Universal electronic payment apparatuses, methods and systems

Patent metadata

Field	Value
Publication number	US-11023886-B2
Application number	US-201916273976-A
Country	US
Kind code	B2
Filing date	Feb 12, 2019
Priority date	Feb 22, 2011
Publication date	Jun 1, 2021
Grant date	Jun 1, 2021

Abstract

The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

First claim

What is claimed is:

1. A multi-merchant virtual wallet shopping processor-implemented method, comprising:
receiving, at a pay network server from a virtual wallet application executing on a data processor of a user device, a product information search request, wherein the product information search request corresponds to both:
a first product included in at least a first inventory of a first merchant of a plurality of merchants within a vicinity of the user device, and
a second product included in at least a second inventory of a second merchant of the plurality of merchants within the vicinity of the user device;

generating, by the virtual wallet application, a single purchase transaction request for both the first product and the second product by the virtual wallet application; and
providing, to the pay network server that is remote from the plurality of merchants within the vicinity of the user device, via the virtual wallet application executing on the user device, the single purchase transaction request for payment processing;
wherein the single purchase transaction request includes only a session ID for a shopping session including the first product for sale by the first merchant and the second product for sale by the second merchant.

2. The method of claim 1 , further comprising querying, by the pay network server, a first merchant server and a second merchant server for information on the first product for sale by the first merchant and for information on the second product for sale by the second merchant, respectively.

3. The method of claim 2 , further comprising displaying, in response to the product information search request and in a single user interface of the virtual wallet application executing on the user device, information on the first product for sale by the first merchant and the second product for sale by the second merchant.

4. The method of claim 3 , further comprising providing, by the pay network server to a first merchant server, and in response to the single purchase transaction request, a first checkout request for the first product and, to a second merchant server, a second checkout request for the second product.

5. The method of claim 4 , further comprising obtaining, by the virtual wallet application from the pay network server, an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

6. The method of claim 1 , wherein the product information search request is generated by one or more of in response to user entry of a search keyword into the virtual wallet application, and using information on a prior purchase via the virtual wallet application.

7. The method of claim 1 , wherein the product information search request includes information identifying a location of the user device, as well as a request for product information from merchant in the vicinity of the user device.

8. A multi-merchant virtual wallet shopping apparatus, comprising:
a processor; and
a memory disposed in communication with the processor and storing processor-executable instructions for:
receiving, at a pay network server from a virtual wallet application executing on a data processor of a user device, a product information search request, wherein the product information search request corresponds to both:
a first product included in at least a first inventory of a first merchant of a plurality of merchants within a vicinity of the user device, and
a second product included in at least a second inventory of a second merchant of the plurality of merchants within the vicinity of the user device;

generating, by the virtual wallet application, a single purchase transaction request for both the first product and the second product by the virtual wallet application; and
providing, to the pay network server that is remote from the plurality of merchants within the vicinity of the user device, via the virtual wallet application executing on the user device, the single purchase transaction request for payment processing;
wherein the single purchase transaction request includes only a session ID for a shopping session including the first product for sale by the first merchant and the second product for sale by the second merchant.

9. The apparatus of claim 8 , further comprising processor-executable instructions for querying, by the pay network server, a first merchant server and a second merchant server for information on the first product for sale by the first merchant and for information on the second product for sale by the second merchant, respectively.

10. The apparatus of claim 9 , further comprising processor-executable instructions for displaying, in response to the product information search request and in a single user interface of the virtual wallet application executing on the user device, information on the first product for sale by the first merchant and the second product for sale by the second merchant.

11. The apparatus of claim 10 , further comprising processor-executable instructions for providing, by the pay network server to a first merchant server, and in response to the single purchase transaction request, a first checkout request for the first product and, to a second merchant server, a second checkout request for the second product.

12. The apparatus of claim 11 , further comprising processor-executable instructions for obtaining, by the virtual wallet application from the pay network server, an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

13. The apparatus of claim 8 , wherein the product information search request is generated by one or more of in response to user entry of a search keyword into the virtual wallet application, and using information on a prior purchase via the virtual wallet application.

14. The apparatus of claim 8 , wherein the product information search request includes information identifying a location of the user device, as well as a request for product information from merchant in the vicinity of the user device.

15. A processor-readable tangible medium storing processor-executable multi-merchant virtual wallet shopping instructions for:
receiving, at a pay network server from a virtual wallet application executing on a data processor of a user device, a product information search request, wherein the product information search request corresponds to both:
a first product included in at least a first inventory of a first merchant of a plurality of merchants within a vicinity of the user device, and
a second product included in at least a second inventory of a second merchant of the plurality of merchants within the vicinity of the user device;

generating, by the virtual wallet application, a single purchase transaction request for both the first product and the second product by the virtual wallet application; and
providing, to the pay network server that is remote from the plurality of merchants within the vicinity of the user device, via the virtual wallet application executing on the user device, the single purchase transaction request for payment processing;
wherein the single purchase transaction request includes only a session ID for a shopping session including the first product for sale by the first merchant and the second product for sale by the second merchant.

16. The medium of claim 15 , further comprising processor-executable instructions for querying, by the pay network server, a first merchant server and a second merchant server for information on th

Assignees

• Visa Int Service Ass

Inventors

• Katzin Edward
• Hua Julian
• Storey Gregory Kenneth
• Mori Michael
• Shrivastava Abhinav
• Bhargava Amit
• Beck Andrew
• Hammad Ayman
• Pfisterer Ben
• Salmon Diane
• Karpenko Igor
• Schulz Jennifer
• Gavrilov Miroslav
• Ciurea Peter
• Faith Patrick
• Kumnick Phillip
• Chatterjee Saurav
• Badea Sebastian
• Li Shaw
• Jha Shipra
• Pourfallah Stacy
• French Susan
• Theurer Tenni
• Harris Theodore
• Purves Thomas
• Pandey Vanita
• Graham Victoria
• Hariramani Prakash

Classifications

• G06Q20/367

  involving electronic purses or money safes · CPC title

• G06Q30/0623

  by investigating goods or services · CPC title

• G06Q20/36 Primary

  using electronic wallets or electronic money safes · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q30/06

  Buying, selling or leasing transactions · CPC title