公开(公告)号：US20140195423A1

公开(公告)日：2014-07-10

申请号：US13737729

申请日：2013-01-09

Applicant: Yu ZHENG ,  Felix SUI

Inventor： Yu ZHENG ,  Felix SUI

IPC: G06Q20/10

CPC classification number: G06Q20/105 ,  G06Q20/0453 ,  G06Q20/351 ,  G06Q20/36

Abstract: A digital wallet serves as a virtual wallet for all of the credit cards of a user. The digital wallet can be extended to other types of spending cards. Spending limits can be set for individual cards, as well as global limits. The user may setup an eCard on behalf of a recipient, where the eCard has a spending limit and the master account can view eCard transactions. Digital receipt management is provided to aid a user to organize receipts. Techniques to use a temporary code to improve the security of verifying a user is also disclosed.

Abstract translation: 数字钱包作为用户的所有信用卡的虚拟钱包。 数字钱包可以扩展到其他类型的消费卡。 可以为个人卡片设置支出限额以及全局限制。 用户可以代表收件人设置eCard，其中eCard具有支出限额，主账户可以查看eCard交易。 提供数字收据管理以帮助用户组织收据。 还公开了使用临时代码来提高验证用户的安全性的技术。

公开(公告)号：US20140195422A1

公开(公告)日：2014-07-10

申请号：US13737712

申请日：2013-01-09

Applicant: Yu ZHENG ,  Felix SUI

Inventor： Yu ZHENG ,  Felix SUI

IPC: G06Q20/36

CPC classification number: G06Q20/36 ,  G06Q20/105 ,  G06Q20/351

Abstract: A digital wallet serves as a virtual wallet for all of the credit cards of a user. The digital wallet can be extended to other types of spending cards. Spending limits can be set for individual cards, as well as global limits. The user may setup an eCard on behalf of a recipient, where the eCard has a spending limit and the master account can view eCard transactions. Digital receipt management is provided to aid a user to organize receipts. Techniques to use a temporary code to improve the security of verifying a user is also disclosed.

Abstract translation: 数字钱包作为用户的所有信用卡的虚拟钱包。 数字钱包可以扩展到其他类型的消费卡。 可以为个人卡片设置支出限额以及全局限制。 用户可以代表收件人设置eCard，其中eCard具有支出限额，主账户可以查看eCard交易。 提供数字收据管理以帮助用户组织收据。 还公开了使用临时代码来提高验证用户的安全性的技术。

公开(公告)号：US20140195424A1

公开(公告)日：2014-07-10

申请号：US13737772

申请日：2013-01-09

Applicant: Yu ZHENG ,  Felix SUI

Inventor： Yu ZHENG ,  Felix SUI

IPC: G06Q20/36

CPC classification number: G06Q20/36 ,  G06Q20/0453 ,  G06Q20/227 ,  G06Q20/351 ,  G06Q20/3578 ,  G06Q20/405

Abstract: A digital wallet serves as a virtual wallet for all of the credit cards of a user. The digital wallet can be extended to other types of spending cards. Spending limits can be set for individual cards, as well as global limits. The user may setup an eCard on behalf of a recipient, where the eCard has a spending limit and the master account can view eCard transactions. Digital receipt management is provided to aid a user to organize receipts. Techniques to use a temporary code to improve the security of verifying a user is also disclosed.

Abstract translation: 数字钱包作为用户的所有信用卡的虚拟钱包。 数字钱包可以扩展到其他类型的消费卡。 可以为个人卡片设置支出限额以及全局限制。 用户可以代表收件人设置eCard，其中eCard具有支出限额，主账户可以查看eCard交易。 提供数字收据管理以帮助用户组织收据。 还公开了使用临时代码来提高验证用户的安全性的技术。