Electronic wallet apparatus, method, and computer program product

This invention describes an electronic wallet system that collects user information and lets them pay merchants using various methods, including virtual card numbers. Users access this through a secure application on their mobile devices, which is powered by distinct software modules for registration, user interface, an application store, and an account mapping engine.

Why it matters: Filed before the widespread availability of 'card-as-a-service' platforms. The claims' emphasis on virtual card numbers and multiple payment methods could now leverage more accessible and robust backend infrastructure, simplifying the specialized integration required.

Status: ExpiredProtection ended and was never renewed
How hard to build: SpecializedHeavy software system development, security, and integration

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