Integrating payment accounts and an electronic wallet

Details Integrating payment accounts and an electronic wallet Integrating payment accounts and an electronic wallet

2006-12-26

2006-12-26

Millin, Vincent (Department: 3624)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

C705S001100, C705S041000, C705S014270

Reexamination Certificate

active

07155411

ABSTRACT:
An electronic wallet including is made available to a user and is capable of storing a wide variety of different types of accounts (including both payment accounts and traditional credit card accounts). An identification of the different accounts corresponding to a user is displayed to the user and the user is allowed to manipulate these accounts. The electronic wallet also allows the user to combine funds from multiple different accounts into a single account. This combination allows the interface on a merchant server to be designed to accommodate a single account without concern for what types of accounts a user may wish to combine. Furthermore, in accordance with one aspect, when the user is purchasing goods and/or services from a merchant on-line, only those accounts that are useable at the merchant are presented as being available to the user.

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