Illustration to conduct an expedited electronic transaction

• US 10,275,769 B2
• Filed: 10/23/2015
• Issued: 04/30/2019
• Est. Priority Date: 10/23/2014
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Jiang, Chunxi, Florez, Clint, Zhao, Peng, Carvalho, Kevin, Lee, Sang Wook
• Primary Examiner(s): Flynn, Abby J
• Application Number:
  US14/921,692
• Publication Number:
  US 20160117676A1
• Time in Patent Office: 1,285 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0641 Shopping interfaces

Abstract

A method to display an illustration to conduct an expedited electronic transaction is provided. Consumer identification information identifying a consumer is received. The consumer identification information is stored in association with a web browser of a consumer'"'"'s device. A customized illustration is displayed based on the received consumer identification information on the consumer'"'"'s device. A request is received for the expedited electronic transaction by swiping the customized illustration across a portion of the display of the consumer'"'"'s device. Transaction data sufficient to complete the electronic transaction is sent to the merchant based on the swipe of the customized illustration across display of the consumer'"'"'s device.

Claims

1. A processor executed method to conduct an expedited electronic transaction, the method comprising:

receiving consumer identification information identifying a consumer at a processor, wherein the consumer identification information is stored in association with a web browser of a device of a consumer;

displaying, via the processor, a customized illustration based on the received consumer identification information on a display of the device of the consumer, wherein the customized illustration is characterized as being a component of a slider bar displayed on a portion of the display of the device of the consumer;

receiving, via the processor, a request for an expedited electronic transaction by activating the customized illustration;

illustrating, by the processor, the customized illustration in a movement from a first position on the slider bar to a second position on the slider bar;

the movement defining an entry portion on the slider bar between the first position and the second position;

displaying, via the processor, an indicator for entry of a password in the entry portion; and

receiving, via the processor, password information from the consumer in the entry portion.

2. The method of claim 1, wherein the consumer identification information is stored as a cookie of the web browser.

3. The method of claim 2, wherein the consumer identification information is identified based on a status of the cookie.

4. The method of claim 3, wherein the status of the cookie is an active status and the customized illustration corresponds to card art associated with a physical card of the consumer.

5. The method of claim 3, wherein the status of the cookie is an inactive status and the customized illustration corresponds to card art associated with a physical card of the consumer.

6. The method of claim 4, further including the method steps comprising:

displaying additional customer identification information in a portion of the display of the device of the consumer,

wherein the additional customer identification information further includes an unmasked user email, an unmasked delivery address, and the last four digits of a primary account number of the consumer.

7. The method of claim 5, wherein the inactive status of the cookie is based on a duration of time since the last request for an expedited electronic transaction by the consumer.

8. The method of claim 5, further including the method steps comprising:

displaying additional customer identification information in a portion of the display of the device of the consumer,

wherein the additional customer identification information further includes a masked user email, a masked delivery address and the last four digits of a primary account number of the consumer in a portion of the display of the device of the consumer.

9. The method of claim 1, further comprising selecting one customized illustration from a plurality of customized illustrations where each customized illustration represents a separate payment device.

10. The method of claim 9 wherein the customized illustration is an illustration of a payment device related to a user.

11. The method of claim 10, wherein the payment device is at least one of a credit card, a debit card, a gift card, a branded store card, and a loyalty card.

12. The method of claim 9 wherein the customized illustration rotates through a plurality of payment devices associated with an expedited electronic transaction system.

13. The method of claim 9, wherein the customized illustration is selected from an initial payments display window.

14. The method of claim 1, wherein the entry portion is displayed on an initial payments display window.

15. The method of claim 1, further comprising communicating transaction data sufficient to complete an electronic transaction to a merchant based on the activation of the customized illustration.

16. A system for executing a method to conduct an expedited electronic transaction, the system comprising a processor physically configured to execute the method, a memory to assist the processor in executing the method and an input-output circuit;

the processor being physically configured for;

receiving consumer identification information identifying a consumer at a processor, wherein the consumer identification information is stored in association with a web browser of a device of a consumer;

displaying, via the processor, a customized illustration based on the received consumer identification information on a display of the device of the consumer, wherein the customized illustration is characterized as being a component of a slider bar displayed on a portion of the display of the device of the consumer;

receiving, via the processor, a request for an expedited electronic transaction by activating the customized illustration;

illustrating, by the processor, the customized illustration in a movement from a first position on the slider bar to a second position on the slider bar;

the movement defining an entry portion on the slider bar between the first position and the second position;

displaying, via the processor, an indicator for entry of a password in the entry portion; and

receiving, via the processor, password information from the consumer in the entry portion.

17. The system of claim 16, further comprising selecting one customized illustration from a plurality of customized illustrations where each customized illustration represents a separate payment device.

18. The system of claim 16, wherein the customized illustration is an illustration of a payment device related to a user.

19. The system of claim 17, wherein the customized illustration rotates through a plurality of payment devices associated with an expedited electronic transaction system.

20. The system of claim 16, wherein the customized illustration is selected from an initial payments display window.