# US 2019/0244192 A1 · Universal electronic payment apparatuses, methods and systems > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2019/0244192 A1 - Document ID: US20190244192A1 - Status: Published application - Kind: A1 - Application number: 16/273,976 - Filed: 2019-02-12 - Published: 2019-08-08 - Earliest claimed: 2011-02-22 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Edward Katzin; Julian Hua; Gregory Kenneth Storey; Michael Mori; Abhinav Shrivastava; Amit Bhargava; Andrew Beck; Ayman Hammad; Ben Pfisterer; Diane Salmon; Igor Karpenko; Jennifer Schulz; Miroslav Gavrilov; Peter Ciurea; Patrick Faith; Phillip Kumnick; Saurav Chatterjee; Sebastian Badea; Shaw Li; Shipra Jha; Stacy Pourfallah; Susan French; Tenni Theurer; Theodore Harris; Thomas Purves; Vanita Pandey; Victoria Graham; Prakash Hariramani - Web page: https://patentgrep.com/patent/US20190244192A1 ## CPC - G06Q 20/36: using electronic wallets or electronic money safes - G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit} - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/367: {involving electronic purses or money safes} - G06Q 20/384: {using social networks} - G06Q 30/00: Commerce - G06Q 30/06: Buying, selling or leasing transactions - G06Q 30/0623: {by investigating goods or services} - G07F 7/0886: {the card reader being portable for interacting with a POS or ECR in realizing a payment transaction} - 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 - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) ## Abstract The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant. ## Claims ### Claim at position 1 1-45. (canceled) ### Claim 46 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. ### Claim 47 (depends on 46) The method of claim 46, further comprising querying, by the pay network server, a first merchant server and a second merchant server for information on the first product for sale by the first merchant and for information on the second product for sale by the second merchant, respectively. ### Claim 48 (depends on 47) The method of claim 47, further comprising displaying, in response to the product information search request and in a single user interface of the virtual wallet application executing on the user device, information on the first product for sale by the first merchant and the second product for sale by the second merchant. ### Claim 49 (depends on 48) The method of claim 48, further comprising providing, by the pay network server to a first merchant server, and in response to the single purchase transaction request, a first checkout request for the first product and, to a second merchant server, a second checkout request for the second product. ### Claim 50 (depends on 49) The method of claim 49, further comprising obtaining, by the virtual wallet application from the pay network server, an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant. ### Claim 51 (depends on 46) The method of claim 46, wherein the product information search request is generated by one or more of in response to user entry of a search keyword into the virtual wallet application, and using information on a prior purchase via the virtual wallet application. ### Claim 52 (depends on 46) The method of claim 46, wherein the product information search request includes information identifying a location of the user device, as well as a request for product information from merchant in the vicinity of the user device. ### Claim 53 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. ### Claim 54 (depends on 53) The apparatus of claim 53, further comprising processor-executable instructions for querying, by the pay network server, a first merchant server and a second merchant server for information on the first product for sale by the first merchant and for information on the second product for sale by the second merchant, respectively. ### Claim 55 (depends on 54) The apparatus of claim 54, further comprising processor-executable instructions for displaying, in response to the product information search request and in a single user interface of the virtual wallet application executing on the user device, information on the first product for sale by the first merchant and the second product for sale by the second merchant. ### Claim 56 (depends on 55) The apparatus of claim 55, further comprising processor-executable instructions for providing, by the pay network server to a first merchant server, and in response to the single purchase transaction request, a first checkout request for the first product and, to a second merchant server, a second checkout request for the second product. ### Claim 57 (depends on 56) The apparatus of claim 56, further comprising processor-executable instructions for obtaining, by the virtual wallet application from the pay network server, an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant. ### Claim 58 (depends on 53) The apparatus of claim 53, wherein the product information search request is generated by one or more of in response to user entry of a search keyword into the virtual wallet application, and using information on a prior purchase via the virtual wallet application. ### Claim 59 (depends on 53) The apparatus of claim 53, wherein the product information search request includes information identifying a location of the user device, as well as a request for product information from merchant in the vicinity of the user device. ### Claim 60 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. ### Claim 61 (depends on 60) The medium of claim 60, further comprising processor-executable instructions for querying, by the pay network server, a first merchant server and a second merchant server for information on the first product for sale by the first merchant and for information on the second product for sale by the second merchant, respectively. ### Claim 62 (depends on 61) The medium of claim 61, further comprising processor-executable instructions for displaying, in response to the product information search request and in a single user interface of the virtual wallet application executing on the user device, information on the first product for sale by the first merchant and the second product for sale by the second merchant. ### Claim 63 (depends on 62) The medium of claim 62, further comprising processor-executable instructions for providing, by the pay network server to a first merchant server, and in response to the single purchase transaction request, a first checkout request for the first product and, to a second merchant server, a second checkout request for the second product. ### Claim 64 (depends on 63) The medium of claim 63, further comprising processor-executable instructions for obtaining, by the virtual wallet application from the pay network server, an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant. ### Claim 65 (depends on 60) The medium of claim 60, wherein the product information search request is generated by one or more of in response to user entry of a search keyword into the virtual wallet application, and using information on a prior purchase via the virtual wallet application, wherein the product information search request includes information identifying a location of the user device, as well as a request for product information from merchant in the vicinity of the user device.