Microsoft's Windows 11 and Windows 10 Edge browser's upcoming "wallet" feature could be a very convenient way to securely manage users' physical cards online and automatically discover relevant offers.
When a user pays with Microsoft Edge and encounters a field for entering a credit card number or its credentials (such as a CVV), Microsoft asks the user if they want to use a saved card instead. This has always been an option present in the Edge browser, but the experience gets even better with a dedicated page "wallet".
The Edge Wallet feature will now be available to some users in the US, and Microsoft appears to be A/B testing it.
The Edge Wallet is conceptually similar to the functionality of the browser's existing memory cards, and also does not see the user's actual credentials. It's worth noting that Microsoft isn't partnering with credit card networks or sharing user details with third parties, but it does plan to support Bing's rebate feature and automatically recommend coupons.
Here are the benefits of using the Edge wallet:
Save more than $50 a year with the wallet.
Edge can automatically use coupons at the checkout by detecting cards and their suppliers.
The additional cashback can be used on select purchases through Bing Rebates.
You can view personalized deals on products that interest you most.
To get started, users need to click and add a button for a card.
The screenshots show that users can save card details such as card number, name on the card, expiration date, CVV, and even give the card a nickname. Users can also save billing addresses, but this feature is currently only available in the US. Once done, the user can view the offers associated with the card.
These card details will be filled out dynamically by Microsoft Edge without manual input. Currently, it is not possible to view recent card transactions. This extra layer of credit card security will first be built into Microsoft Edge on Windows 10 and Windows 11. It will be added to other devices such as macOS and Android at a later date. Users' e-wallets are automatically synced across devices, so card details can be auto-filled from anywhere. As mentioned at the beginning, the Microsoft Edge Wallet feature is initially only available to US customers, with more regions to come later this year.