Optimistic receipt flow

• US 9,165,321 B1
• Filed: 07/03/2012
• Issued: 10/20/2015
• Est. Priority Date: 11/13/2011
• Status: Active Grant

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Baker, David Preston, Hussein, Mohamed Reza, Marshall, Stanley N. III, Hiller, Matthew Eric, Tung, Chin Pang, Mitchell, Andrew Robert
• Primary Examiner(s): Coppola, Jacob C.
• Application Number:
  US13/541,402
• Time in Patent Office: 1,204 Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/0457 the tickets being sent electronically
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card
• CPC Class Codes: G06Q 2220/10 Usage protection of distributed data files
• CPC Class Codes: G06Q 30/0635 Processing of requisition or of purchase orders
• CPC Class Codes: H04L 67/60 Scheduling or organising the servicing of application requests, e.g. requests for application data transmissions using the analysis and optimisation of the required network resources admission control or resource allocation H04L47/70

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.

Claims

1. A computer-implemented method for completing an electronic transaction, comprising:

receiving, by a computer, a payment information request from a merchant server requesting identification of a payment instrument to pay for a transaction between a merchant associated with the merchant server and a user, the payment information request comprising at least a merchant identifier of the merchant and a user identifier of the user;

determining, by the computer, that the payment information request does not comprise online shopping cart information comprising at least a product identification for each product in the online shopping cart information and a price for each product in the online shopping cart information; and

in response to determining that the payment information request does not comprise online shopping cart information comprising at least a product identification and a price for each product in the online shopping cart information, requesting, by the computer, the online shopping cart information from the merchant server;

receiving, by the computer, online shopping cart information comprising at least a product identification and price for each product in the online shopping cart information from the merchant server;

generating, by the computer, an electronic record of the transaction comprising the online shopping cart information; and

in response to generating the electronic record of the transaction comprising the online shopping cart information;

selecting, by the computer, a payment instrument associated with the user identifier provided in the payment information request the payment instrument being selected to pay for the transaction between the merchant associated with the merchant server and the user, and

communicating, by the computer, an identification of the selected payment instrument to the merchant server in response to the payment information request.

2. The method of claim 1, further comprising storing, by the computer, the electronic record of the transaction in association with the selected payment instrument.

3. The method of claim 1, wherein the selected payment instrument is a credit card.

4. The method of claim 1, wherein the determining step further comprising determining that the online shopping cart information further comprises a total purchase price for all products in the online shopping cart information.

5. The method of claim 4, wherein the determining step further comprising determining that the online shopping cart information further comprises a date of the transaction.

6. The method of claim 5, wherein the determining step further comprising determining that the online shopping cart information further comprises a tax total for the transaction.

7. The method of claim 1, further comprising storing, by the computer, the electronic record of the transaction in an account associated with the user and managed by the computer, the account being associated with the selected payment instrument.

8. The method of claim 7, wherein the step of selecting a payment instrument comprises requesting a payment instrument'"'"'s verification code from a client device linked to the payment instrument.

9. The method of claim 8, wherein the step of communicating the identification of the selected payment instrument comprises encrypting the identification of the selected payment instruments using a merchant-specific key that is specific to the merchant server.

10. A computer program product, comprising:

a computer-readable medium having a computer-readable program code embodied therein that when executed by a computer processor causes the computer to;

receive a request from a merchant server requesting identification of a payment instrument to pay for a transaction between a merchant associated with the merchant server and a user, the payment information request comprising at least a merchant identifier of the merchant, and a user identifier of the user;

determine that the payment information request does not comprise online shopping cart information comprising at least a product identification for each product in the online shopping cart information and a price for each product in the online shopping cart information;

in response to determining that the payment information request does not comprise online shopping cart information comprising at least a product identification and a price for each product in the online shopping cart information, request the online shopping cart information comprising at least a product identification and a price for each product in the online shopping cart information from the merchant server;

in response to determining that the payment information request does not comprise online shopping cart information comprising at least a product identification and a price for each product in the online shopping cart information, receive the online shopping cart information from the merchant server;

generate an electronic record of the transaction comprising the online shopping cart information; and

in response to generating the electronic record of the transaction comprising the online shopping cart information;

select a payment instrument associated with the user identifier provided in the payment information request, the payment instrument being selected to pay for the transaction between the merchant associated with the merchant server and the user, and

communicate an identification of the selected payment instrument to the merchant server in response to the payment information request.

11. The computer program product of claim 10, further comprising computer readable program code to store the electronic record of the transaction in association with the selected payment instrument.

12. The computer program product of claim 10, wherein the payment instrument is a credit card.

13. The computer program product of claim 10, wherein the determining step further comprises determining that the online shopping cart information further comprises a list of items purchased, a purchase price for each item, and a total purchase price.

14. The computer program product of claim 13, wherein the determining step further comprises determining that the online shopping cart information further comprises a date of the transaction.

15. The computer program product of claim 14, wherein the determining step further comprises determining that online shopping cart information further comprises a tax total for the transaction.

16. The computer program product of claim 10, further comprising

computer readable program code that when executed by the computer processor causes the computer to store the electronic record of the transaction in an account associated with the user and managed by the computer, the account being associated with the selected payment instrument.

17. The computer program product of claim 10, wherein the step of selecting a payment instrument comprises requesting a payment instrument'"'"'s verification code from a client device associated with the payment instrument.

18. The computer program product of claim 10, wherein the step of communicating the identification of the selected payment instrument comprises encrypting the identification of the selected payment instrument using a merchant-specific key that is specific to the merchant server.

19. A system for completing electronic transactions, comprising:

a storage device; and

a processor communicatively coupled to the storage device, wherein the processor executes application code instructions, that are stored in the storage device and that cause the system to;

receive a request from a merchant server requesting identification of a payment instrument to pay for a transaction between a merchant associated with the merchant server and a user, the payment information request comprising at least a merchant identifier of the merchant, and a user identifier of the user;

determine that the payment information request does not comprise online shopping cart information comprising at least a product identification for each product in the online shopping cart information and a price for each product in the online shopping cart information;

in response to determining that the payment information request does not comprise online shopping cart information comprising at least it product identification and a price for each product in the online shopping cart information, request the online shopping cart information comprising at least a product identification and a price for each product in the online shopping cart information from the merchant server;

receive the online shopping cart information from the merchant server;

generate an electronic record of the transaction comprising the online shopping cart information; and

in response to generating the electronic record of the transaction comprising the online shopping cart information;

select a payment instrument associated with the user identifier provided in the payment information request, the payment instrument being sleeted to pay for the transaction between the merchant associate with the merchant server and the user, and

communicate an identification of the selected payment instrument to the merchant server in response to the payment information request.

20. The system of claim 19, wherein the payment instrument is a credit card.

21. The system of claim 19, wherein the processor further executes application code instructions that cause the system to store the electronic record of the transaction in an account associated with the user and managed by the computer, the account being associated with the selected payment instrument.

22. The system of claim 19, wherein the step of selecting a payment instrument comprises requesting a payment instrument'"'"'s verification code from a client device associated with the payment instrument.

23. The system of claim 19, wherein the step of communicating the identification of the selected payment instrument comprises encrypting the identification of the selected payment instrument using a merchant-specific key that is specific to the merchant server.