Digital wallet

• US 9,355,391 B2
• Filed: 03/06/2012
• Issued: 05/31/2016
• Est. Priority Date: 12/17/2010
• Status: Active Grant

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: von Behren, Rob, Wall, Jonathan
• Primary Examiner(s): HAMILTON, SARA CHANDLER
• Application Number:
  US13/412,957
• Publication Number:
  US 20120166333A1
• Time in Patent Office: 1,547 Days
• Field of Search: 705/26.1, 705/44, 705/67, 235/382, 455/410, 455/411
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 2220/12 Usage or charge determination

Abstract

A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant'"'"'s website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant'"'"'s website and receive a receipt for the purchase. The digital wallet can store the receipt and synchronize the receipt with a remote storage location.

Claims

1. A computer-implemented method to process online payment transactions without navigating from a merchant website displayed by a web browser application on a user computing device, comprising:

reading, by one or more computing devices operated by a merchant computing system, a user device in response to receiving an indication to complete an online transaction between a user and a merchant via a merchant website displayed by a web browser application on a user computing device;

determining, by the one or more computing devices operated by the merchant system, that a digital wallet module is embedded in the web browser application on the user computing device;

authorizing, by the one or more computing devices operated by the merchant system, submission of a request for payment information to complete the online transaction to the digital wallet module on the user computing device;

determining, by the user computing device, to authenticate the merchant website displayed by the web browser application on the user computing device;

when the user computing device authenticates the merchant website, establishing, by the one or more computing devices operated by the merchant system, a secure connection between the digital wallet module on the user computing device and the merchant website displayed by the web browser application;

when there is a secure connection between the merchant website and the digital wallet module on the user computing device, submitting, by the one or more computing devices operated by the merchant system and to the digital wallet module on the user displayed by the web browser application device, a request for payment information to complete the online transaction without navigating from the merchant website, the request for payment information originating from the merchant web site;

receiving, by the one or more computing devices operated by the merchant system and from the digital wallet module on the user computing device, payment information without navigating from the merchant web site;

submitting, by the one or more computing devices operated by the merchant system, a payment authorization request to a financial institution to fund the online transaction, wherein the financial institution corresponds to the payment information received from the digital wallet module on the user device; and

receiving, by the one or more computing devices operated by the merchant system and from the financial institution, a payment authorization for the payment authorization request authorizing payment in accordance with the payment information.

2. The computer-implemented method of claim 1, further comprising authorizing the online transaction in response to receiving the payment authorization.

3. The computer-implemented method of claim 2, further comprising transmitting confirmation of the authorized online transaction to the digital wallet module resident on the user computing device.

4. The computer-implemented method of claim 3, wherein the confirmation of the authorized online transaction comprises at least one of a total price for the transaction, a description of the product or service purchased, and a form of payment used to authorize the online transaction.

5. The computer-implemented method of claim 1, wherein the user computing device comprises a mobile telephone.

6. The computer-implemented method of claim 1, wherein the user computing device comprises a computer.

7. A computer program product, comprising:

a non-transitory computer-readable medium having computer-readable program code embodied therein that when executed by one or more computing devices operated by a merchant computing system cause the one or more computing devices of the merchant computing system to process online transactions without navigating from a merchant website displayed by a web browser application on a user computing device, comprising;

computer-readable program code for reading a user computing device in response to receiving an indication to complete an online transaction between a user and a merchant via a merchant website displayed by a web browser application on the user computing device;

computer-readable program code for determining that a digital wallet module is embedded in the web browser application on the user computing device based on information read from the user computing device;

computer-readable program code for authorizing submission of a request for payment information to complete the online transaction to the digital wallet module on the user device;

computer-readable program code for determining to authenticate the merchant website displayed by the web browser application on the user computing device;

computer-readable program code for, when the user device authenticates the merchant website, establishing a secure connection between the merchant website displayed by the web browser application and the digital wallet module on the user computing device;

computer-readable program code for, when there is a secure connection between the merchant website and the digital wallet module on the user computing device, submitting to the digital wallet module on the user computing device a request for payment information to complete the online transaction without navigating from the merchant website, the request for payment information originating from the merchant website;

computer-readable program code for receiving, by one or more computing devices operated by a merchant computing system, the payment information from the digital wallet module on the user computing device without navigating from the merchant website;

computer-readable program code for submitting, by the one or more computing devices operated by the merchant computing system, a payment authorization request to a financial institution to fund the transaction, wherein the financial institution corresponds to the payment information received from the digital wallet module on the user computing device; and

computer-readable program code for receiving, by the one or more computing devices operated by the merchant computing system and from the financial institution, a payment authorization in response to the payment authorization request authorizing payment in accordance with the payment information.

8. The computer program product of claim 7, further comprising computer-readable program code for authorizing the online transaction in response to receiving the payment authorization.

9. The computer program product of claim 8, further comprising computer-readable program code for transmitting confirmation of an authorized online transaction to the digital wallet module on the user computing device.

10. The computer program product of claim 9, wherein the confirmation of the authorized online transaction comprises at least one of a total price for the transaction, a description of the product or service purchased, and a form of payment used to authorize the online transaction.

11. The computer program product of claim 7, wherein the user computing device comprises a mobile telephone.

12. A system to process online payment transactions without navigating from a merchant website displayed by a web browser application on a user computing device, comprising:

a user computing device,

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

authenticate a merchant website displayed by a web browser application on the user computing device; and

one or more computing devices operated by a merchant computing system,

wherein the one or more computing devices comprises a storage resource and a processor communicatively coupled to the storage resource, and wherein the processor executes application code instructions that are stored in the storage resource to cause the system to;

read the user computing device in response to receiving a notification that payment information is required to complete a transaction;

determine that a digital wallet module is embedded in a web browser application on the user computing device based on information read from the user computing device;

authorize submission of a request for payment information to complete the transaction to the digital wallet module on the user computing device;

when the user computing device authenticates the merchant website, establish a secure connection between the merchant website displayed by the web browser application and the digital wallet module on the user computing device;

when there is a secure connection between the merchant website displayed by the web browser application and the digital wallet module on the user computing device, submit to the digital wallet module on the user computing device a request for payment information to complete the transaction without navigating from the merchant website;

receive the payment information from the digital wallet module on the user computing device without navigating from the merchant website displayed by the web browser application;

submit a payment authorization request to a financial institution to fund the transaction, wherein the financial institution corresponds to the payment information received from the digital wallet module on the user computing device; and

receive a payment authorization in response to the payment authorization request from the financial institution authorizing payment in accordance with the payment information.

13. The system of claim 12, wherein the processor and the storage resource are associated with the merchant website.

14. The system of claim 12, wherein the processor further executes application code instructions stored on the storage resource that cause the system to authorize the online transaction in response to receiving the payment authorization.

15. They system of claim 14, wherein the processor further executes application code instructions stored on the storage resource that cause the system to transmit a confirmation of the authorized online transaction to the digital wallet module on the user computing device.

16. The system of claim 15, wherein the confirmation of the authorized online transaction comprises at least one of a total price for the transaction, a description of the product or service purchase, and form of payment used authorize the online transaction.

17. The system of claim 12, wherein the user computing device comprises a mobile telephone.

18. The system of claim 12, wherein the user computing device comprises a computer.