The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
May. 26, 2020
Filed:
Dec. 01, 2017
Mastercard International Incorporated, Purchase, NY (US);
Patrick Killian, Cottleville, MO (US);
Sandeep Malhotra, Ballwin, MO (US);
Mastercard International Incorporated, Purchase, NY (US);
Abstract
Methods and apparatus for operating a virtual wallet automatic loading system are described. In an embodiment, a virtual wallet server receives, from a consumer device, automatic-loading parameter data associated with funding a consumer's virtual wallet account, stores the automatic-loading parameter data, determines that at least one trigger condition associated with the consumer's virtual wallet account is met, and generates a standard authorization request message that includes an auto-load transaction amount and at least one payment account number (PAN) of a funding account. The process also includes the virtual wallet server routing the standard authorization message to a payment network authorization system, receiving an authorization response approved message, crediting the consumer's virtual wallet account and incrementing a stored value of the consumer's virtual wallet account, and transmitting an automatic-loading advisement message to the consumer device.