US 11,727,392 B2
Multi-purpose virtual card transaction apparatuses, methods and systems
Abhinav Shrivastava, Redmond, WA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Jun. 25, 2020, as Appl. No. 16/912,639.
Application 16/912,639 is a continuation of application No. 13/938,176, filed on Jul. 9, 2013, abandoned.
Application 13/938,176 is a continuation in part of application No. 13/624,859, filed on Sep. 21, 2012, abandoned.
Application 13/624,859 is a continuation in part of application No. 13/520,481, granted, now 10,223,691, issued on Mar. 5, 2019, previously published as PCT/US2012/026205, filed on Feb. 22, 2012.
Application 13/520,481 is a continuation in part of application No. 13/398,817, filed on Feb. 16, 2012, abandoned.
Application 13/398,817 is a continuation in part of application No. 13/348,634, filed on Jan. 11, 2012, abandoned.
Claims priority of provisional application 61/669,525, filed on Jul. 9, 2012.
Claims priority of provisional application 61/545,971, filed on Oct. 11, 2011.
Claims priority of provisional application 61/539,969, filed on Sep. 27, 2011.
Claims priority of provisional application 61/538,761, filed on Sep. 23, 2011.
Claims priority of provisional application 61/473,728, filed on Apr. 8, 2011.
Claims priority of provisional application 61/469,965, filed on Mar. 31, 2011.
Claims priority of provisional application 61/466,409, filed on Mar. 22, 2011.
Claims priority of provisional application 61/445,482, filed on Feb. 22, 2011.
Prior Publication US 2020/0327538 A1, Oct. 15, 2020
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/12 (2012.01); G06Q 20/02 (2012.01); G06Q 20/40 (2012.01); G06Q 20/42 (2012.01); G06Q 20/34 (2012.01)
CPC G06Q 20/3674 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/12 (2013.01); G06Q 20/351 (2013.01); G06Q 20/36 (2013.01); G06Q 20/407 (2013.01); G06Q 20/42 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A method comprising:
receiving a proxy payment identifier, by a point of sale terminal from a client device comprising a first digital wallet storing the proxy payment identifier for a transaction, wherein the proxy payment identifier is valid for only the transaction;
receiving, by a server computer, an authorization request comprising the proxy payment identifier for the transaction from the point of sale terminal via a merchant server;
determining that the proxy payment identifier is associated with a second digital wallet;
obtaining, by the server computer, accounts associated with the second digital wallet;
presenting, by the server computer, the accounts to the client device over a communication network, wherein the client device displays the accounts to a user via a user interface, and starting a timer for a user response;
receiving, by the server computer from the client device over the communication network, a selection of an account from the accounts associated with the second digital wallet;
after receiving the selected account and after determining that an elapsed time of the timer does not exceed a predetermined threshold, processing, by the server computer, the transaction using a payment identifier associated with the account in the second digital wallet by replacing the proxy payment identifier in the authorization request with the payment identifier;
generating, by a wallet server computer in communication with the server computer, a purchase identifier encoded in a QR Code on a purchase receipt;
transmitting, by the wallet server computer, the purchase identifier encoded in the QR Code on the purchase receipt to the client device, wherein purchase identifier on the purchase receipt provides proof that the transaction was authorized; and
reading, by a merchant device, the purchase receipt and then allowing the user to exit the store.