VIRTUAL WALLET CARD SELECTION APPARATUSES, METHODS AND SYSTEMS

• US 20120310826A1
• Filed: 06/01/2012
• Published: 12/06/2012
• Est. Priority Date: 06/03/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Chatterjee, Saurav
• Granted Patent: US 8,577,803 B2
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255

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.

Claims

1. A virtual wallet card selection system, comprising:

a computing processor;

a network communication device disposed in communication with the computing processor; and

a memory disposed in communication with the computing processor, and storing computing processor-executable instructions to;

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, via the computing processor of the payment network server, a plurality of card selection options to provide securely to a user mobile device of the user via the network communication device, to maintain the privacy of the user payment data from the merchant involved in the purchase transaction;

provide via the network communication device, upon determining that the user is authorized to access the virtual wallet, a secure user virtual wallet card selection request including the card selection options to the user mobile device via an encrypted out-of-band network communication, thus reducing bandwidth usage and network latency of an electronic payment communication network;

obtain, via the network communication device at a payment network server, user selection of a virtual wallet card account from the plurality of securely provided card selection options, from the user mobile device via the network communication device; and

provide, via the network communication device, an encrypted purchase transaction request message for transaction processing, using the user selection of the virtual wallet card account.

2. A virtual wallet card selection system, comprising:

a processor; and

a memory disposed in communication with the processor and storing processor-executable instructions to;

obtain a user authentication request for a purchase transaction;

extract, via the processor, a universal card account number based on parsing the user authentication request;

determine, based on querying a database using the universal card account number, that the user is authorized to access a virtual wallet;

provide a user virtual wallet card selection request to a user device, upon determining that the user is authorized to access the virtual wallet;

obtain user selection of a virtual wallet card account; and

provide a purchase transaction request message for transaction processing, using the user selection of the virtual wallet card account.

3. The system of claim 2, the memory further storing instructions to:

provide, to the user device, a purchase receipt upon completion of authorization of a purchase transaction based on the purchase transaction request message.

4. The system of claim 2, the memory further storing instructions to:

obtain virtual wallet card selection options for the user; and

provide the virtual wallet card selection options to the user device.

5. The system of claim 4, wherein the virtual wallet card selection options are based on the universal card account number extracted from the user authentication request.

6. The system of claim 5, wherein the universal card account number extracted from the user authentication request includes encoded virtual wallet card selection option information and user identification information.

7. The system of claim 6, wherein the encoded virtual wallet card selection option information is encoded as flags in the universal card account number extracted from the user authentication request.

8. The system of claim 2, wherein the user selection of the virtual wallet card account includes a selection of an anonymous card account for processing the purchase transaction.

9. The system of claim 8, wherein the anonymous card account is a one-time anonymous card account generated in response to receiving the user selection of the virtual wallet card account.

10. The system of claim 2, the memory further storing instructions to:

obtain user selection of a plurality of virtual wallet card accounts; and

wherein the purchase transaction request message includes an identification of the user selection of the plurality of virtual wallet card accounts.

11. A non-transitory computer-readable medium storing processor-executable virtual wallet card selection instructions to:

obtain a user authentication request for a purchase transaction;

extract, via the processor, a universal card account number based on parsing the user authentication request;

determine, based on querying a database using the universal card account number, that the user is authorized to access a virtual wallet;

provide a user virtual wallet card selection request to a user device, upon determining that the user is authorized to access the virtual wallet;

obtain user selection of a virtual wallet card account; and

provide a purchase transaction request message for transaction processing, using the user selection of the virtual wallet card account.

12. The medium of claim 11, further storing instructions to:

provide, to the user device, a purchase receipt upon completion of authorization of a purchase transaction based on the purchase transaction request message.

13. The medium of claim 11, further storing instructions to:

obtain virtual wallet card selection options for the user; and

provide the virtual wallet card selection options to the user device.

14. The medium of claim 13, wherein the virtual wallet card selection options are based on the universal card account number extracted from the user authentication request.

15. The medium of claim 14, wherein the universal card account number extracted from the user authentication request includes encoded virtual wallet card selection option information and user identification information.

16. The medium of claim 15, wherein the encoded virtual wallet card selection option information is encoded as flags in the universal card account number extracted from the user authentication request.

17. The medium of claim 11, wherein the user selection of the virtual wallet card account includes a selection of an anonymous card account for processing the purchase transaction.

18. The medium of claim 17, wherein the anonymous card account is a one-time anonymous card account generated in response to receiving the user selection of the virtual wallet card account.

19. The medium of claim 11, further storing instructions to:

obtain user selection of a plurality of virtual wallet card accounts; and

wherein the purchase transaction request message includes an identification of the user selection of the plurality of virtual wallet card accounts.

20. The medium of claim 11, wherein the user device is a user mobile device executing a virtual wallet application.

21. A virtual wallet card selection processor-implemented method, comprising:

obtaining a user authentication request for a purchase transaction;

extracting, via a computing processor, a universal card account number based on parsing the user authentication request;

determining, based on querying a database using the universal card account number, that the user is authorized to access a virtual wallet;

providing a user virtual wallet card selection request to a user device, upon determining that the user is authorized to access the virtual wallet;

obtaining user selection of a virtual wallet card account; and

providing a purchase transaction request message for transaction processing, using the user selection of the virtual wallet card account.

22. The method of claim 21, further comprising:

providing, to the user device, a purchase receipt upon completion of authorization of a purchase transaction based on the purchase transaction request message.

23. The method of claim 21, further comprising:

obtaining virtual wallet card selection options for the user; and

providing the virtual wallet card selection options to the user device.

24. The method of claim 23, wherein the virtual wallet card selection options are based on the universal card account number extracted from the user authentication request.

25. The method of claim 24, wherein the universal card account number extracted from the user authentication request includes encoded virtual wallet card selection option information and user identification information.

26. The method of claim 25, wherein the encoded virtual wallet card selection option information is encoded as flags in the universal card account number extracted from the user authentication request.

27. The method of claim 21, wherein the user selection of the virtual wallet card account includes a selection of an anonymous card account for processing the purchase transaction.

28. The method of claim 27, wherein the anonymous card account is a one-time anonymous card account generated in response to receiving the user selection of the virtual wallet card account.

29. The method of claim 21, further comprising:

obtaining user selection of a plurality of virtual wallet card accounts; and

wherein the purchase transaction request message includes an identification of the user selection of the plurality of virtual wallet card accounts.

30. The method of claim 21, wherein the user device is a user mobile device executing a virtual wallet application.