Universal Electronic Payment Apparatuses, Methods and Systems

• US 20140337175A1
• Filed: 02/22/2012
• Published: 11/13/2014
• Est. Priority Date: 02/22/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Katzin, Edward, Hua, Julian, Mori, Michael, Shrivastava, Abhinav, Beck, Andrew, Hammad, Ayman, Salmon, Diane, Karpenko, Igor, Gavrilov, Miroslav, Ciurea, Peter, Faith, Patrick, Chatterjee, Saurav, Badea, Sebastian, Li, Shaw, Jha, Shipra, Pourfallah, Stacy, French, Susan, Theurer, Tenni, Harris, Theodore, Purves, Thomas, Pandey, Vanita, Graham, Victoria, Hariramani, Prakash, Storey, Gregory Kenneth, Bhargava, Amit, Pfisterer, Ben, Schulz, Jennifer, Kumnick, Phillip
• Granted Patent: US 10,223,691 B2
• Time in Patent Office: Days
• US Class Current: 705/26.62
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• 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 30/00 Commerce
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0623 Item investigation
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Abstract

The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, 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.

Claims

1. (canceled)

2. A multi-merchant virtual wallet shopping processor-implemented method, comprising:

providing, from a user device, a product information search request;

obtaining, 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;

generating 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;

providing, via the user device, the single purchase transaction request for payment processing; and

obtaining an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

3. The method of claim 2, wherein the user device is a mobile device.

4. The method of claim 2, wherein the product information search request is generated in response to use entry of a search keyword into the virtual wallet application.

5. The method of claim 2, wherein the product information search request is generated using information on a prior purchase via the virtual wallet application.

6. The method of claim 2, wherein the product information search request is provided via a virtual wallet application executing on the user device.

7. The method of claim 2, wherein the first merchant and the second merchant are different from each other.

8. The method of claim 2, 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.

9. A multi-merchant virtual wallet shopping apparatus, comprising:

a processor and

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

provide, from a user device, a product information search request;

obtain, 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;

generate 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;

provide, via the user device, the single purchase transaction request for payment processing; and

obtain an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

10. The apparatus of claim 9, wherein the user device is a mobile device.

11. The apparatus of claim 9, wherein the product information search request is generated in response to use entry of a search keyword into the virtual wallet application.

12. The apparatus of claim 9, wherein the product information search request is generated using information on a prior purchase via the virtual wallet application.

13. The apparatus of claim 9, wherein the product information search request is provided via a virtual wallet application executing on the user device.

14. The apparatus of claim 9, wherein the first merchant and the second merchant are different from each other.

15. The apparatus of claim 9, 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.

16. A processor-readable tangible medium storing processor-executable multi-merchant virtual wallet shopping instructions to:

provide, from a user device, a product information search request;

obtain, 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;

generate 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;

provide, via the user device, the single purchase transaction request for payment processing; and

obtain an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

17. The medium of claim 16, wherein the user device is a mobile device.

18. The medium of claim 16, wherein the product information search request is generated in response to use entry of a search keyword into the virtual wallet application.

19. The medium of claim 16, wherein the product information search request is generated using information on a prior purchase via the virtual wallet application.

20. The medium of claim 16, wherein the product information search request is provided via a virtual wallet application executing on the user device.

21. The medium of claim 16, wherein the first merchant and the second merchant are different from each other.

22. The medium of claim 16, 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.

23-45. -45. (canceled)