Digital wallet

• US 9,691,055 B2
• Filed: 10/19/2011
• Issued: 06/27/2017
• Est. Priority Date: 12/17/2010
• Status: Expired due to Fees

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: von Behren, Rob, Wall, Jonathan
• Primary Examiner(s): Ravetti, Dante
• Application Number:
  US13/277,182
• Publication Number:
  US 20120158584A1
• Time in Patent Office: 2,078 Days
• Field of Search: 705 65, 705 16, 705 21, 705 59, 705 71, 380 44, 380262, 380278
• 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 interface of a user computing device, comprising:

storing, by a digital wallet module on the user computing device, known merchant data;

displaying, by a web browser application of a user computing device, a merchant website on a user interface of the user computing device, the merchant website comprising a display of goods available for purchase from a merchant;

receiving, by the user computing device and from the merchant website, a notification that an online payment transaction to purchase goods displayed on the merchant website has been requested;

receiving by the digital wallet module on the user computing device, merchant website data;

comparing, by the digital wallet module on the user computer device, the received merchant website data to the stored known merchant data;

determining, by the digital wallet module on the user computing device, the merchant website is authentic prior to establishing a secure connection between the merchant website and digital wallet module on the user computing device;

based on a determination that the merchant website is authentic, establishing a secure connection between the merchant website and a digital wallet module on the user computing device;

receiving, by the digital wallet module on the user computing device and from the merchant website via the secure connection, a request for payment information without navigating from the merchant website displayed on the user interface of the user computing device; and

transmitting, by the digital wallet module on the user computing device via the secure connection, the payment information to the merchant website without navigating from the merchant website displayed on the user interface of the user computing device.

2. The computer-implemented method of claim 1, wherein the digital wallet module is embedded in the web browser application on the user computing device.

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

4. The computer-implemented method of claim 1, wherein the request for payment information comprises information associated with the online payment transaction, and wherein the digital wallet module saves at least a portion of the information associated with the online payment transaction.

5. The computer-implemented method of claim 4, wherein the information associated with the online payment transaction comprises at least one of a total price for the transaction, a description of a product or service being purchased, and forms of payment accepted by the merchant.

6. The computer-implemented method of claim 1, further comprising:

displaying, by the digital wallet module on the user computing device, a user interface object for the user to select one of a plurality of payment options stored by the digital wallet module; and

receiving, by the digital wallet module on the user computing device, a user'"'"'s selection of one of the plurality of payment options, wherein the payment information received from the digital wallet module corresponds to the selected one payment option.

7. The computer-implemented method of claim 1, further comprising:

receiving, by the digital wallet module on the user computing device, a receipt for the transaction; and

storing, by the digital wallet module on the user computing device, the receipt.

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

14. The computer-implemented method of claim 1, wherein the merchant system comprises a web server that operates the merchant website displayed on the user interface of the user computing device.

15. The computer-implemented method of claim 1, further comprising:

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

receiving, 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;

authorizing, by the merchant computing system, the payment transaction in response to receiving the payment authorization; and

transmitting, by the merchant computing system, confirmation of an authorized payment transaction to the digital wallet module on the user computing device.

8. A non-transitory computer-readable medium having computer-readable program instructions embodied therein that when executed by a computing device cause the computing device to process online payment transactions without navigating from a merchant website displayed by a web browser application on a user interface of the computing device and to cause the computing device to perform the following steps:

storing, by a digital wallet module on the computing device, known merchant data;

displaying, by a web browser application of a computing device, a merchant website on a user interface of the computing device, the merchant website comprising a display of goods available for purchase from a merchant;

receiving, from the merchant website, a notification that an online payment transaction to purchase goods displayed on the merchant website has been requested;

receiving, by the digital wallet module on the computing device, merchant website data;

comparing, by the digital wallet module on the user computing device, the received merchant website data to the stored known merchant data;

determining, by the digital wallet module on the computing device, the merchant website is authentic prior to establishing a secure connection between the merchant website and the diaital wallet module on the computing device;

establishing a secure connection between the merchant website and the digital wallet module on the computing device, based on a determination that the merchant website is authentic;

receiving, by the digital wallet module on the computing device and from the merchant website via the secure connection, a request for payment information without navigating from the merchant website displayed on the user interface of the computing device; and

transmitting by the digital wallet module on the computing device via the secure connection, the payment information to the merchant website without navigating from the merchant website displayed on the user interface of the computing device.

9. The non-transitory computer readable medium of claim 8, wherein the digital wallet module is embedded in the web browser application on the computing device.

10. The non-transitory computer readable medium of claim 8, wherein the computing device is a mobile telephone.

11. The non-transitory computer readable medium of claim 8, wherein the request for payment information comprises information associated with the online financial transaction, and further comprising computer-readable program instructions to save at least a portion of the information associated with the online financial transaction.

12. The non-transitory computer readable medium of claim 11, wherein the information associated with the online financial transaction comprises at least one of a total price for the transaction, a description of a product or service being purchased, and forms of payment accepted by the merchant.

16. The non-transitory computer readable medium of claim 8, wherein the computing device comprises a computer.

17. The non-transitory computer readable medium of claim 8, further comprising computer-readable program instructions to communication, in response to receiving the notification from the merchant website, with the merchant website to determine that the computing device comprises the digital wallet module.

18. A system for completing financial transactions, comprising:

a storage device;

a processor, the processor communicatively coupled to the storage device, containing application code instructions, wherein the processor executes the application code instructions that are stored in the storage device to cause the processor to perform the steps of;

storing known merchant data;

displaying a merchant website on a user interface of the user computing device, the merchant website comprising a display of goods available for purchase from a merchant;

receiving a notification that an online payment transaction to purchase goods displayed on the merchant website has been requested;

receiving merchant website data;

comparing the received merchant website data to the stored known merchant data;

determining that the merchant website is authentic prior to establishing a secure connection between the merchant website and digital wallet module on the user computing device;

based on a determination that the merchant website is authentic, establishing a secure connection between the merchant website and a digital wallet module on the user computing device;

receiving a request for payment information without navigating from the merchant website displayed on the user interface of the user computing device; and

transmitting by the digital wallet module on the user computing device via the secure connection, the payment information to the merchant website without navigating from the merchant website displayed on the user interface of the user computing device.

19. The system of claim 18, wherein the request for payment information comprises information associated with the online payment transaction.

20. The system of claim 19, wherein the information associated with the online payment transaction comprises at least one of a total price for the transaction, a description of a product or service being purchased, and forms of payment accepted by the merchant.

21. The system of claim 18, wherein a merchant computing system comprises a web server that operates the merchant website displayed on the user interface of the computing device.

22. The system of claim 18, further comprising a merchant computing system, wherein the merchant computing system comprises a merchant storage device and a merchant processor communicatively coupled to the merchant storage device, and wherein the merchant processor executes application code instructions that are stored in the merchant storage device to cause the merchant processor to perform the steps of:

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

receiving, from the financial institution, a payment authorization.

23. The system of claim 18, wherein the merchant processor execute computer-readable instructions stored in the merchant storage device to cause the merchant system to perform the steps of:

receiving the payment authorization;

authorizing the online payment transaction; and

transmitting confirmation of an authorized online payment transaction to the digital wallet module on the computing device.

24. The system of claim of 18, wherein the processor execute computer-readable instructions stored in the storage device to cause the system to perform the step of:

receiving a notification from the merchant website that an online payment transaction to purchase goods displayed on the merchant website has been requested.