Patent ID: 9275387
Filing Date: 2016-03-01
CPC Classification: G06Q

Claim Text:
1. A wallet vault, in the form of a tangibly embodied processing machine having: at least one processor, disposed in communication with a financial payment network, a communication portion that inputs and outputs information; and memory having instructions stored thereon, the instructions, when executed by the at least one processor, cause the at least one processor to perform operations comprising: wherein the wallet vault is associated with a plurality of wallets of the customer, including a first wallet from which the transaction is initiated, each of the plurality of wallets associated with one or more merchants, wherein each of the plurality of wallets stores assigned token information of the customer and not the real credentials of the customer, and wherein the transaction is an online transaction and a checkout page of the merchant is integrated with one of the plurality of wallets using an application programming interface such that the customer can select to pay for the transaction using the one of the plurality of wallets on the checkout page of the merchant by selecting an option on the merchant's checkout page, and upon selection of the option on the merchant's checkout page, transferring control of the transaction from the merchant to the wallet.