# US 2014/0195422 A1 · Digital wallet client device > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0195422 A1 - Document ID: US20140195422A1 - Status: Published application - Kind: A1 - Application number: 13/737,712 - Filed: 2013-01-09 - Published: 2014-07-10 - Earliest claimed: 2013-01-09 - Assignees: Patent Category Corp. - Inventors: Yu ZHENG; Felix SUI - Web page: https://patentgrep.com/patent/US20140195422A1 ## CPC - G06Q 20/36: using electronic wallets or electronic money safes - G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"} - G06Q 20/351: {Virtual cards} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A digital wallet serves as a virtual wallet for all of the credit cards of a user. The digital wallet can be extended to other types of spending cards. Spending limits can be set for individual cards, as well as global limits. The user may setup an eCard on behalf of a recipient, where the eCard has a spending limit and the master account can view eCard transactions. Digital receipt management is provided to aid a user to organize receipts. Techniques to use a temporary code to improve the security of verifying a user is also disclosed. ## Claims ### Claim 1 A method of providing a digital wallet function at a client device, comprising: selecting, via a user interface on the client device, a credit card to make a payment for a transaction from a set of credit cards for the user; paying for the transaction via the selected credit card; and receiving a digital receipt for the transaction. ### Claim 2 (depends on 1) The method of claim 1, further comprising sending a photo of the user to a digital wallet server for use in verifying the identity of the user. ### Claim 3 (depends on 1) The method of claim 1, further comprising setting spending limits for each credit card of the user. ### Claim 4 (depends on 1) The method of claim 1, further comprising receiving a recommendation for which credit card to pay a transaction. ### Claim 5 (depends on 1) The method of claim 1, further comprising sending funding information and recipient information to generate a virtual credit card for a recipient. ### Claim 6 (depends on 5) The method of claim 5, wherein the funding information includes a spending limit. ### Claim 7 (depends on 6) The method of claim 6, further comprising receiving access to digital receipts for purchases made by the recipient. ### Claim 8 (depends on 6) The method of claim 6, further comprising receiving a notification when the available funds have decreased to a threshold level relative to the spending limit. ### Claim 9 (depends on 6) The method of claim 6, further comprising: receiving a time-sensitive temporary code from a digital wallet server; and sending the time-sensitive temporary code to a vendor device. ### Claim 10 (depends on 9) The method of claim 9, wherein the time-sensitive temporary code is displayed on a display screen of the client device. ### Claim 11 (depends on 6) The method of claim 6, further comprising organizing digital receipts in into customizable categories. ### Claim 12 An apparatus, comprising: a mobile client device including a processor, a memory, and a user display; and a digital wallet client application including a user interface to: select a credit card to make a payment for a transaction from a set of credit cards for the user; pay for the transaction via the selected credit card; and receive a digital receipt for the transaction. ### Claim 13 (depends on 12) The apparatus of claim 12, wherein the digital wallet application sends a photo of the user to a digital wallet server for use in verifying the identity of the user. ### Claim 14 (depends on 12) The apparatus of claim 12, wherein the digital wallet application sets spending limits for each credit card of the user. ### Claim 15 (depends on 12) The apparatus of claim 12, further comprising the digital wallet application displaying a recommendation for which credit card to pay a transaction. ### Claim 16 (depends on 12) The apparatus of claim 12, further comprising the digital wallet application providing funding information and recipient information to a digital wallet server to generate a virtual credit card for a recipient. ### Claim 17 (depends on 16) The apparatus of claim 16, wherein the funding information includes a spending limit. ### Claim 18 (depends on 16) The apparatus of claim 16, further comprising the digital wallet application receiving access to digital receipts for purchases made by the recipient. ### Claim 19 (depends on 16) The apparatus of claim 16, further comprising the digital wallet application receiving a notification when the available funds have decreased to a threshold level relative to the spending limit. ### Claim 20 (depends on 16) The apparatus of claim 16, wherein the digital wallet application: receives a time-sensitive temporary code from a digital wallet server; and sends the time-sensitive temporary code to a vendor device. ### Claim 21 (depends on 20) The apparatus of claim 20, wherein the time-sensitive temporary code is displayed on a display screen of the mobile client device. ### Claim 22 (depends on 16) The apparatus of claim 16, further comprising the digital wallet application generating a display of digital receipts stored on a digital wallet service, wherein the digital receipts are organized in into customizable categories. ### Claim 23 A non-transitory computer readable storage medium comprising computer readable instructions that when executed on a processor, implement a method comprising: selecting, via a user interface on the client device, a credit card to make a payment for a transaction from a set of credit cards for the user; paying for the transaction via the selected credit card; and receiving a digital receipt for the transaction.