No authentication payment and seamless authentication

• US 10,242,397 B2
• Filed: 09/21/2015
• Issued: 03/26/2019
• Est. Priority Date: 07/29/2009
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Scipioni, German
• Primary Examiner(s): Desai, Resha
• Application Number:
  US14/860,628
• Publication Number:
  US 20160012442A1
• Time in Patent Office: 1,282 Days
• Field of Search: 705 261- 272
• CPC Class Codes: G06F 21/36 by graphic or iconic representation
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0603 Catalogue ordering
• CPC Class Codes: G06Q 30/0611 Request for offers or quotes
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G06Q 30/0641 Shopping interfaces

Abstract

An easy authentication or payment is made by creating an account associated with a particular web browser or device that accesses an on-line page. Payments are made, such as for full-access viewing of an article or viewing content without visible ads, by selecting a payment button on the on-line page. Selection can be with a specific swiping motion or device motion previously defined for the user. Once selected, the payment is made without the user having to authorize or authenticate. The motion can be used independently to authorize or authenticate the user through the device.

Claims

1. A method comprising:

in response to receiving, from a device, authentication credentials for an account with a payment provider, establishing, by one or more processors, a communication session for the account with the device based on the authentication credentials;

receiving, by the one or more processors, a wallet establishment request for an online wallet from the device during the communication session, wherein the wallet establishment request comprises a motion that is input to the device by a user for use of the online wallet to make a purchase through an interface of an application executing on the device, wherein the motion is performed by the user on a display of the device, and wherein the motion comprises at least one of a tapping pattern, a swipe, a circular motion, or a zig-zag pattern;

generating, by the one or more processors, the online wallet using the account, wherein the use of the online wallet in the application is associated with input of the motion;

populating, by the one or more processors, an icon within the application, wherein the icon designates the application as available for purchases using the motion;

receiving, by the one or more processors and from the device, a transaction processing request that is input to the device by the motion performed with the device;

receiving, by the one or more processors, one or more identifiers associated with the application executing on the device, wherein the one or more identifiers are associated with the motion for the use of the online wallet;

determining, by the one or more processors, the online wallet using the one or more identifiers; and

processing, by the one or more processors, the purchase using the online wallet based on the transaction processing request input without requiring additional authentication through the application.

2. The method of claim 1, further comprising:

creating the online wallet for the user using account information for the account of the user with the payment provider, wherein the online wallet is associated with one of the device or the application.

3. The method of claim 1, wherein the online wallet is associated with a hardware characteristic or a software characteristic of the device.

4. The method of claim 1, wherein the determining the one or more identifiers comprises determining whether application information or device information associated with the device is stored with account information for the online wallet of the user.

5. The method of claim 1, wherein the motion authenticates the user for the use of the online wallet without the authentication credentials.

6. The method of claim 1, wherein the motion indicates an approval for the purchase through the interface.

7. The method of claim 1, wherein the motion by the user is made with a payment button on an online page.

8. The method of claim 1, wherein the motion is a movement of the device, and wherein the motion comprises at least one of a shaking of the device, a speed of the movement of the device, an acceleration of the movement of the device, or a rotation of the movement of the device.

9. The method of claim 1, wherein the purchase is for online content displayed within the interface of the application, and wherein the online content comprises a full-access article.

10. The method of claim 9, wherein the online content is shown without visible advertisements on an online page displayed within the interface in response to the purchase.

11. The method of claim 1, wherein the transaction processing request comprises data generated from the motion by the user with the device.

12. The method of claim 1, wherein the one or more identifiers comprise a web browser cookie stored to the device and associated with the communication session, and wherein the web browser cookie is associated with the motion for the use of the online wallet.

13. A system comprising:

a non-transitory memory; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising;

in response to receiving, from a device, authentication credentials for an account with a payment provider, establishing a communication session for the account with the device based on the authentication credentials;

receiving a wallet establishment request for an online wallet from the device during the communication session, wherein the wallet establishment request comprises a motion that is input to the device by a user for use of the online wallet to make a purchase through an interface of an application executing on the device, wherein the motion is performed by the user on a display of the device, and wherein the motion comprises at least one of a tapping pattern, a swipe, a circular motion, or a zig-zag pattern;

generating the online wallet using the account, wherein the use of the online wallet in the application is associated with input of the motion;

populating an icon within the application, wherein the icon designates the application as available for purchases using the motion;

receiving, from the device, a transaction processing request that is input to the device by the motion;

receiving one or more identifiers associated with the application executing on the device, wherein the one or more identifiers are associated with the motion for the use of the online wallet;

determining the online wallet using the one or more identifiers; and

processing the purchase using the online wallet based on the transaction processing request input without requiring additional authentication through the application.

14. The system of claim 13, wherein the application comprises one of a toolbar application, a browser application, a service provider application, or a merchant application.

15. The system of claim 13, wherein the motion is a movement of the device, and wherein the motion comprises at least one of a shaking of the device, a speed of the movement of the device, an acceleration of the movement of the device, or a rotation of the movement of the device.

16. The system of claim 13, wherein the purchase is for online content displayed within the interface of the application, and wherein the online content comprises a full-access article.

17. The system of claim 13, wherein the payment provider further defines the motion for the user to perform across a payment button, across a device screen, or with the device.

18. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

in response to receiving, from a device, authentication credentials for an account with a payment provider, establishing a communication session for the account with the device based on the authentication credentials;

receiving a wallet establishment request for an online wallet from the device during the communication session, wherein the wallet establishment request comprises a motion that is input to the device by a user for use of the online wallet to make a purchase through an interface of an application executing on the device, wherein the motion is performed by the user on a display of the device, and wherein the motion comprises at least one of a tapping pattern, a swipe, a circular motion, or a zig-zag pattern;

generating the online wallet using the account, wherein the use of the online wallet in the application is associated with input of the motion;

populating an icon within the application, wherein the icon designates the application as available for purchases using the motion;

receiving, from the device, a transaction processing request that is input to the device by the motion performed with the device;

receiving one or more identifiers associated with the application executing on the device, wherein the one or more identifiers are associated with the motion for the use of the online wallet;

determining the online wallet using the one or more identifiers; and

processing purchase using the online wallet based on the transaction processing request input without requiring additional authentication through the application.