Abstract: An online electronic wallet system and method provide secure storage and transmission of payment instrument information for use in completing online purchases initiated from a client device. A payment instrument's verification code is stored in an encrypted form in local storage on a client device and retrieved and re-encrypted along with other payment instrument information stored on the system using a merchant-specific key. An API library is used to integrate the online electronic wallet system with a registered merchant's purchase flow, including the ability to ensure receipt of an electronic receipt prior to communicating payment instrument information to a merchant server.

Abstract: Activation of a link or control button on a user interface before an underlying application status is known. A user requests access to a merchant system's webpage. The merchant system webpage loads and a link is activated. The merchant system begins to determine the user's account status with the remote system while the web page is loading or at any time thereafter. The user initiates a request by clicking, pressing, or otherwise selecting the link on the merchant system's webpage. The merchant system determines whether the user's account status with the remote system is known. If the account status is not known, the merchant system completes the determination. If the account status is known, the merchant system determines whether the action request is available. If the action is available, the request is processed. If the action is not available, the user is notified and the link is disabled.

Abstract: An online electronic wallet system and method provide secure storage and transmission of payment instrument information for use in completing online purchases initiated from a client device. A payment instrument's verification code is stored in an encrypted form in local storage on a client device and retrieved and re-encrypted along with other payment instrument information stored on the system using a merchant-specific key. An API library is used to integrate the online electronic wallet system with a registered merchant's purchase flow, including the ability to ensure receipt of an electronic receipt prior to communicating payment instrument information to a merchant server.

Abstract: A user establishes a digital wallet and registers with and signs in to an authorized application. The user begins a web browsing session, accesses a merchant website, and initiates a transaction using the digital wallet. The user web browser is directed to an authentication page. The user authorizes the transaction and has the option to pre-authorize the merchant for future transactions. The user is redirected to the merchant website and approves the transaction. The transaction is conducted with the virtual credit number created by the payment processing system. The user initiates a subsequent transaction. The digital wallet determines that the previous browsing session is active, the merchant is pre-authorized, and the user is logged into the authorized application. The subsequent transaction is processed without having to be authenticated by the user via the authentication page. Otherwise, the user re-authorizes the merchant via the authentication page before the subsequent transaction proceeds.

Abstract: An online electronic wallet system and method provide secure storage and transmission of payment instrument information for use in completing online purchases initiated from a client device. A payment instrument's verification code is stored in an encrypted form in local storage on a client device and retrieved and re-encrypted along with other payment instrument information stored on the system using a merchant-specific key. An API library is used to integrate the online electronic wallet system with a registered merchant's purchase flow, including the ability to ensure receipt of an electronic receipt prior to communicating payment instrument information to a merchant server.