Universal electronic payment apparatuses, methods and systems

A multi-merchant virtual wallet shopping processor-implemented method, comprising:

• receiving, at a pay network server from a virtual wallet application executing on a data processor of a user device, a product information search request, wherein the product information search request corresponds to both:
• a first product included in at least a first inventory of a first merchant of a plurality of merchants within a vicinity of the user device, and
• a second product included in at least a second inventory of a second merchant of the plurality of merchants within the vicinity of the user device;
• generating, by the virtual wallet application, a single purchase transaction request for both the first product and the second product by the virtual wallet application;
• and
• providing, to the pay network server that is remote from the plurality of merchants within the vicinity of the user device, via the virtual wallet application executing on the user device, the single purchase transaction request for payment processing;
• wherein the single purchase transaction request includes only a session ID for a shopping session including the first product for sale by the first merchant and the second product for sale by the second merchant.

A multi-merchant virtual wallet shopping apparatus, comprising:

• a processor;
• and
• a memory disposed in communication with the processor and storing processor-executable instructions for:
• receiving, at a pay network server from a virtual wallet application executing on a data processor of a user device, a product information search request, wherein the product information search request corresponds to both:
• a first product included in at least a first inventory of a first merchant of a plurality of merchants within a vicinity of the user device, and
• a second product included in at least a second inventory of a second merchant of the plurality of merchants within the vicinity of the user device;
• generating, by the virtual wallet application, a single purchase transaction request for both the first product and the second product by the virtual wallet application;
• and
• providing, to the pay network server that is remote from the plurality of merchants within the vicinity of the user device, via the virtual wallet application executing on the user device, the single purchase transaction request for payment processing;
• wherein the single purchase transaction request includes only a session ID for a shopping session including the first product for sale by the first merchant and the second product for sale by the second merchant.

A processor-readable tangible medium storing processor-executable multi-merchant virtual wallet shopping instructions for:

• receiving, at a pay network server from a virtual wallet application executing on a data processor of a user device, a product information search request, wherein the product information search request corresponds to both:
• a first product included in at least a first inventory of a first merchant of a plurality of merchants within a vicinity of the user device, and
• a second product included in at least a second inventory of a second merchant of the plurality of merchants within the vicinity of the user device;
• generating, by the virtual wallet application, a single purchase transaction request for both the first product and the second product by the virtual wallet application;
• and
• providing, to the pay network server that is remote from the plurality of merchants within the vicinity of the user device, via the virtual wallet application executing on the user device, the single purchase transaction request for payment processing;
• wherein the single purchase transaction request includes only a session ID for a shopping session including the first product for sale by the first merchant and the second product for sale by the second merchant.