Converged cross-platform electronic wallet

A method for authorizing a digital wallet transaction, the method comprising:

• providing a host server having one or more secure databases for storing cardholder and card data associated with a plurality of electronic wallets offered within a network of digital wallets, the host server including services for facilitating and monitoring connectivity between one or more merchants and an acceptance network for authorizing a purchase transaction;
• responsive to a user initiation of the purchase transaction, routing the purchase transaction to a digital wallet selected by the user from the plurality of digital wallets, the selected digital wallet capturing a payment card selected by the consumer for the digital wallet transaction;
• and
• redirecting the transaction back to the merchant web site or app using the postback merchant URL, the merchant web site or app sending the Access Token to the checkout resource URL associated with the selected digital wallet to retrieve the purchase details for authorizing and completing the digital wallet transaction.