Virtual Wallet Card Selection Apparatuses, Methods and Systems

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.

1 . (canceled) 
     
     
         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; 
 determine, based on querying a database memory using the universal card account number, privacy of user payment data to be maintained away from a merchant involved in the purchase transaction by utilizing a secure network communication with a user mobile device to provide payment data to the payment network server to process the Purchase transaction; 
 provide a user virtual wallet card selection request including a list of user payment cards for selection 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 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, said virtual wallet selection instructions executable by a processor 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 a user is authorized to access a virtual wallet;   determine, based on querying a database memory using the universal card account number, privacy of user payment data to be maintained away from a merchant involved in the purchase transaction by utilizing a secure network communication with a user mobile device to provide payment data to the payment network server to process the purchase transaction;   provide a user virtual wallet card selection request including a list of user payment cards for selection 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 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 a user is authorized to access a virtual wallet;   determine, based on querying a database memory using the universal card account number, privacy of user payment data to be maintained away from a merchant involved in the purchase transaction by utilizing a secure network communication with a user mobile device to provide payment data to the payment network server to process the purchase transaction;   providing a user virtual wallet card selection request including a list of user payment cards for selection 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.