Visa International Service Association

Ben Pfisterer

Ayman A Hammad

Patrick L Faith

Theodore David Harris

Thomas Purves

Igor V Karpenko

Saurav Chatterjee

Phillip Kumnick

Diane C Salmon

Michael Kenji Mori

Stacy Sweeney Pourfallah

Edward Katzin

Tenni Theurer

Julian Hua

Peter Ciurea

Shipra Jha

Shaw Li

Prakash Hariramani

Jennifer A Schulz

Abhinav Shrivastava

Susan French

Miroslav Gavrilov

Vanita Pandey

Gregory Kenneth Storey

Andrew Beck

Sebastian Badea

Victoria Graham

Amit Bhargava

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.

Universal electronic payment apparatuses, methods and systems

The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, 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.

Growing community of inventors

Northcote, Australia

Ben Pfisterer