06-12-2012 дата публикации
Номер: US20120310826A1
Принадлежит:
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. 1. A virtual wallet card selection system , comprising:a computing processor;a network communication device disposed in communication with the computing processor; and obtain, via the network communication device operatively connected to a payment network server, a user authentication request for a purchase transaction;', 'extract, via the computing processor operatively connected to the payment network server, a universal card account number based on parsing the user authentication request;', 'determine, based on querying a database memory operatively connected to the payment network server, using the universal card account number, that the user is authorized to access a virtual wallet;', "determine, based on querying a database memory using the universal card account number, that the user desires to maintain privacy of user payment data from a merchant involved in the purchase transaction by utilizing a secure network communication with the user's mobile device to provide payment data to the payment network server to process the purchase transaction;", 'identify, ...
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