08577803 is referenced by 135 patents and cites 488 patents.

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.

Title
Virtual wallet card selection apparatuses, methods and systems
Application Number
13/487148
Publication Number
8577803 (B2)
Application Date
June 1, 2012
Publication Date
November 5, 2013
Inventor
Julian Hua
Moraga
CA, US
Edward N Katzin
Hillsborough
CA, US
Ayman Hammad
Pleasanton
CA, US
Saurav Chatterjee
Foster City
CA, US
Agent
Nathan W Poulsen
Walter G Hanchuk
Cooley
Assignee
Visa International Service Association
CA, US
IPC
G06Q 40/00
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