A digital wallet, namely, a mobile payment software application to enable consumers to make payments and merchants to accept payments by way of text messages using short messaging systems (SMS) and multimedia messaging services (MMS) for text-to-pay transactions, credit card payments, automated clearing housing (ACH) payments, payments drawn on checking accounts, and cryptocurrency payments

'accept':19 'account':54 'ach':48 'applic':9 'autom':45 'card':43 'check':53 'clear':46 'consum':12 'credit':42 'cryptocurr':56 'digit':2 'drawn':51 'enabl':11 'hous':47 'make':14 'merchant':17 'messag':25,28,33 'mms':35 'mobil':6 'multimedia':32 'name':4 'pay':40 'payment':7,15,20,44,49,50,57 'servic':34 'short':27 'sms':30 'softwar':8 'system':29 'text':24,38 'text-to-pay':37 'transact':41 'use':26 'wallet':3 'way':22

DIGIPAY

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