Abstract: This disclosure describes methods, non-transitory computer readable storage media, and systems that utilize one or more virtual cards to autofill payment information at a user client device for a payment transaction. For example, the disclosed system utilizes a reference identifier to determine a virtual card corresponding to the payment card account based on a virtual card account mapping. The disclosed system provides a stored virtual card identification number and virtual card verification data (e.g., an expiration date and a card verification value) to a user client device for autofilling the virtual card identification number and the virtual card verification data at the user client device in connection with a payment transaction. Additionally, the disclosed system processes the payment transaction in response to receiving a virtual card from a merchant system by swapping the virtual card with the payment card account when providing transaction details to a payment network.

Abstract: Disclosed is a method, apparatus and computer program product to achieve enhancements in data transfer speed and reliability. In accordance with a method to operate a wireless device there is provided establishing a first connection path with a wireless network using a first long range transceiver; establishing a second connection path with the wireless network via a short range transceiver with at least one other wireless device that uses a second long range transceiver to establish the second connection path to the wireless network, and at least one of transmitting and receiving information using the first long range transceiver and, via the short range transceiver, the second long range transceiver.