Virtual wallet card selection apparatuses, methods and systems

US8577803B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Saurav Chatterjee · Foster City, US
• Ayman Hammad · Pleasanton, US
• Edward Katzin · San Francisco, US
• Julian Hua · Walnut Creek, US

Key dates

• Filing date: Jun 1, 2012
• Grant date: Nov 5, 2013
• Expiry date: Jun 1, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/385
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

The VIRTUAL WALLET CARD SELECTION APPARATUSES, METHODS AND SYSTEMS (“VWCS”) transform virtual wallet card selections by users utilizing mobile devices via VWCS components into virtual wallet card-based transaction purchase notifications. In one implementation, the VWCS obtains a user authentication request for a purchase transaction, and extracts a universal card account number from it. Upon querying a database, the VWCS determines that the user has access to a virtual wallet and obtains virtual wallet card selection options for the user from the database. The VWCS provides the virtual wallet card selection options to a user mobile device, and obtains a user selection of an account included among the options. The VWCS initiates a purchase transaction using the user selection. Also, upon completion of authorization of the purchase transaction, the VWCS provides a purchase receipt to the user mobile device.