SYSTEM, APPARATUS AND METHODS FOR ONLINE ONE-TAP ACCOUNT ADDITION AND CHECKOUT

• US 20140074655A1
• Filed: 09/07/2012
• Published: 03/13/2014
• Est. Priority Date: 09/07/2012
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Greg Williamson
• Inventors: Lim, David, Williamson, Greg
• Application Number:
  US13/606,295
• Publication Number:
  US 20140074655A1
• Time in Patent Office: Days
• US Class Current: 705/26.35
• 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 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Disclosed are methods, computer readable media and apparatus for providing one-tap account addition and one-tap checkout features to a consumer. In an embodiment, a wallet server computer receives a request from a consumer device to enable a one-tap account addition feature, and receives consumer registration data and consumer payment account data. The wallet server then uploads consumer device data and reader device data, and determines that the reader device is near-field communication capable. The wallet server next stores the consumer registration data, payment account data, and the consumer device data in an electronic wallet and enables the one-tap add account addition feature. In some embodiments, the consumer may select to opt-in to a one-tap checkout feature, and if so then a one-tap checkout cookie is transmitted for storing on the consumer device.

Claims

1. A method comprising:

receiving, by a wallet server computer from a consumer device, a request to enable a one-tap account addition feature;

receiving consumer registration data and consumer payment account data;

uploading, by the wallet server computer, consumer device data associated with the consumer device;

uploading reader device data of a reader device associated with the consumer device;

determining that the reader device is near-field communication capable;

storing the consumer registration data, consumer payment account data, and the consumer device data in an electronic wallet associated with a consumer; and

enabling, by the wallet server computer, a one-tap add account addition feature for the consumer device.

2. The method of claim 1, further comprising:

transmitting, by the wallet server to the consumer device, an opt-in prompt for a one-tap checkout feature;

receiving a request to enable the one-tap checkout feature;

enabling the one-tap checkout feature; and

transmitting, by the wallet server to the consumer device, a one-tap checkout cookie for storing on the consumer device.

3. The method of claim 2, further comprising:

receiving, by the wallet server, a request for one-tap checkout;

determining that the one-tap checkout cookie is resident on the consumer device; and

transmitting, by the wallet server computer to a merchant device, at least one of consumer identification data, consumer payment account data, and shipping data to populate the merchant'"'"'s checkout webpage.

4. The method of claim 1, further comprising:

receiving, by the wallet server computer, merchant registration data and a request to provide a one-tap checkout feature on the merchant'"'"'s website; and

providing, by the wallet server, a one-tap checkout option for use by registered consumers shopping on the merchant'"'"'s website.

5. The method of claim 1, wherein the consumer registration data comprises at least one of a name, an e-mail address, a billing address, and a mobile telephone number.

6. The method of claim 1, wherein the consumer device data comprises at least a consumer device serial number and a model number.

7. The method of claim 1, wherein the reader device data comprises reader device identification data.

8. A computer-readable medium storing non-transitory instructions configured to cause a processor to:

receive a request to enable a one-tap account addition feature for a consumer device;

receive consumer registration data and consumer payment account data;

upload consumer device data associated with the consumer device;

upload reader device data of a reader device associated with the consumer device;

determine that the reader device is near-field communication capable;

store the consumer registration data, consumer payment account data, and the consumer device data in an electronic wallet associated with a consumer; and

enable a one-tap add account addition feature for the consumer device.

9. The computer-readable medium of claim 8, further comprising instructions configured to cause the processor to:

transmit an opt-in prompt for a one-tap checkout feature;

receive a request to enable the one-tap checkout feature;

enable the one-tap checkout feature; and

transmit a one-tap checkout cookie for storing on the consumer device.

10. The computer-readable medium of claim 9, further comprising instructions configured to cause the processor to:

receive a request for one-tap checkout;

determine that the one-tap checkout cookie is resident on the consumer device; and

transmit, to a merchant device, at least one of consumer identification data, consumer payment account data, and shipping data to populate the merchant'"'"'s checkout webpage.

11. The computer-readable medium of claim 8, further comprising instructions configured to cause the processor to:

receive merchant registration data and a request to provide a one-tap checkout feature on the merchant'"'"'s website; and

provide a one-tap checkout service option for use by registered consumers shopping on the merchant'"'"'s website.

12. An apparatus comprising:

a processor;

a communications device operably connected to the processor; and

a storage device operably connected to the processor, the storage device storing non-transitory instructions configured to cause the processor to;

receive a request to enable a one-tap account addition feature for a consumer device;

receive consumer registration data and consumer payment account data;

upload consumer device data associated with the consumer device;

upload reader device data of a reader device associated with the consumer device;

determine that the reader device is near-field communication capable;

store the consumer registration data, consumer payment account data, and the consumer device data in an electronic wallet associated with a consumer; and

enable a one-tap add account addition feature for the consumer device.

13. A method, comprising:

receiving, by a wallet server computer, valid consumer login information from a registered consumer having an electronic wallet and using a consumer device;

determining, by the wallet server, that the consumer is registered for a one-tap account addition feature for the electronic wallet and that the consumer device is not registered;

uploading device data associated with the consumer device;

uploading reader device data of a reader device associated with the consumer device;

determining that the reader device is near-field communication capable;

enabling a one-tap account addition feature for the consumer device; and

storing, by the wallet server computer, the consumer device data with electronic wallet data associated with the registered consumer.

14. The method of claim 13, further comprising:

transmitting, by the wallet server to the consumer device, an opt-in prompt for a one-tap checkout feature;

receiving a request to enable the one-tap checkout feature; and

transmitting, by the wallet server to the consumer device, a one-tap checkout cookie for storing on the consumer device.

15. The method of claim 14, further comprising:

receiving, by the wallet server, a request for one-tap checkout;

determining that the one-tap checkout cookie is resident on the consumer device; and

transmitting, by the wallet server computer to a merchant device, at least one of consumer identification data, consumer payment account data, and shipping data to populate the merchant'"'"'s checkout webpage.

16. A computer-readable medium storing non-transitory instructions configured to cause a processor to:

receive valid consumer login information from a registered consumer having an electronic wallet and using a consumer device;

determine that the consumer is registered for a one-tap account addition feature for the electronic wallet and that the consumer device is not registered;

upload device data associated with the consumer device;

upload reader device data of a reader device associated with the consumer device;

determine that the reader device is near-field communication capable;

enable a one-tap account addition feature for the consumer device; and

store the consumer device data with electronic wallet data associated with the registered consumer.

17. The computer-readable medium of claim 16, further comprising instructions configured to cause the processor to:

transmit an opt-in prompt for a one-tap checkout feature to the consumer device;

receive a request to enable the one-tap checkout feature; and

transmit a one-tap checkout cookie for storing on the consumer device.

18. The computer-readable medium of claim 17, further comprising instructions configured to cause the processor to:

receive a request for one-tap checkout;

determine that the one-tap checkout cookie is resident on the consumer device; and

transmit to a merchant device at least one of consumer identification data, consumer payment account data, and shipping data to populate the merchant'"'"'s checkout webpage.

19. A method comprising:

receiving, by a wallet server computer, consumer sign-in data of a consumer;

authenticating the consumer and transmitting, by the wallet server, a consumer device authentication request to a device authentication server computer;

receiving, by the wallet server computer, a consumer device authentication confirmation, a consumer device identifier and a reader device capability indication;

providing, by the wallet server to the consumer device, a webpage including a tap-to-add payment account option for selection;

transmitting, in response to receiving an indication that the consumer selected the option, a request to the device authentication server to push a tap request to a reader device associated with the consumer device;

receiving, by the wallet server, payment account data read from a payment device by the reader device; and

storing, by the wallet server computer, the payment account data in an electronic wallet associated with the consumer.

20. The method of claim 19, further comprising, transmitting, by the wallet server to the consumer device, an account successfully added message.

21. The method of claim 19, wherein the device authentication server computer authenticates the consumer device by:

uploading device identification data from the consumer device; and

comparing the device identification data to consumer device registration data.

22. The method of claim 19, further comprising, prior to receiving a consumer device authentication confirmation:

receiving an indication that the consumer device is not authorized;

prompting, by the wallet server, the consumer to manually provide full consumer authentication data;

authenticating the consumer; and

adding the consumer device to a consumer device list of authorized consumer devices.

23. A computer-readable medium storing non-transitory instructions configured to cause a processor to:

receive consumer sign-in data of a consumer;

authenticate the consumer;

transmit a consumer device authentication request to a device authentication server computer;

receive a consumer device authentication confirmation, a consumer device identifier and a reader device capability indication;

provide to the consumer device, a webpage including a tap-to-add payment account option for selection;

transmit, in response to receiving an indication that the consumer selected the option, a request to the device authentication server to push a tap request to a reader device associated with the consumer device;

receive payment account data read from a payment device by the reader device; and

store the payment account data in an electronic wallet associated with the consumer.

24. The computer-readable medium of claim 23, further comprising instructions configured to cause the processor to transmit an account successfully added message to the consumer device.

25. The computer-readable medium of claim 23, further comprising, prior to the instructions for receiving the consumer device authentication confirmation, instructions configured to cause the processor to:

receive an indication that the consumer device is not authorized;

prompt the consumer to manually provide full consumer authentication data;

authenticate the consumer; and

add the consumer device to a consumer device list of authorized consumer devices.

26. An apparatus comprising:

a processor;

a communications device operably connected to the processor; and

a storage device operably connected to the processor, the storage device storing non-transitory instructions configured to cause the processor to;

receive consumer sign-in data of a consumer;

authenticate the consumer;

transmit a consumer device authentication request to a device authentication server computer;

receive a consumer device authentication confirmation, a consumer device identifier and a reader device capability indication;

provide to the consumer device, a webpage including a tap-to-add payment account option for selection;

transmit, in response to receiving an indication that the consumer selected the option, a request to the device authentication server to push a tap request to a reader device associated with the consumer device;

receive payment account data read from a payment device by the reader device; and

store the payment account data in an electronic wallet associated with the consumer.