Mastercard International Incorporated

Jose A Alba

Michael S Ameiss

Eric Ray Kitchen

Michael J Shaon

Aimee G Musil

David Pardo

Anand Shekaran

Eric R Kitchen

David Grossman

Registration information for a plurality of consumers is obtained at an electronic wallet platform. A mechanism is provided to integrate the electronic wallet platform with a plurality of merchants. Via the electronic wallet platform, a given one of the consumers is afforded an option to select from multiple methods to pay for a transaction with a given one of the merchants. The multiple methods are based, at least in part, on the registration information. At least one of the multiple methods includes a virtual card number. Further steps include obtaining, from the given one of the consumers, a selection of the virtual card number for payment for the transaction; and providing the given one of the merchants with the virtual card number.

Electronic wallet apparatus, method, and computer program product

Local shipping addresses in a first country are assigned to a plurality of consumers having physical addresses in at least one country other than the first country. A request is obtained, from an e-commerce retailer, for a corresponding one of the local shipping addresses. Product information, an indication of a desired form of shipping from the e-commerce retailer to the corresponding one of the local shipping addresses, and an indication of a desired form of shipping from the corresponding one of the local shipping addresses to a corresponding one of the physical addresses in the at least one country other than the first country are obtained. An indication of an estimated fully landed cost associated with the on-line shopping session is dispatched.

E-wallet with cross-border capability

An electronic wallet platform obtains, from a check-out web page of a merchant, (i) a unique identification of a given consumer, of a plurality of consumers, who is purchasing at least one item from the merchant in an on-line transaction, and (ii) associated transaction data. The electronic wallet platform supplies, to a transaction qualification service, the unique identification of the given consumer; and retrieves, from a consumer enrollment database, a record wherein at least one useful token is stored in association with the unique identification of the given consumer. The transaction qualification service determines, based on rules from an offers registry database, whether the at least one useful token is applicable to the on-line transaction. The rules are stored in the offers registry database in association with the at least one useful token, and the rules take into account at least one of the unique identification of the given consumer and the associated transaction data in determining the applicability. If, based on the determining step, the at least one useful token is applicable to the on-line transaction, a further step includes providing the at least one useful token to the merchant, using the transaction qualification service and the electronic wallet platform. The at least one useful token is provided to the merchant prior to payment card authorization, clearing, and settlement for the on-line transaction.

Method, apparatus, and computer program product for facilitating promotions with an E-wallet

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Long Island City, NY, United States of America

Jose A Alba