Electronic wallet checkout platform apparatuses, methods and systems

• US 10,803,449 B2
• Filed: 04/21/2017
• Issued: 10/13/2020
• Est. Priority Date: 07/05/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Kalgi, Avinash
• Primary Examiner(s): Khattar, Rajesh
• Assistant Examiner(s): See, Carol A
• Application Number:
  US15/494,294
• Publication Number:
  US 20170243199A1
• Time in Patent Office: 1,271 Days
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• 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 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• 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 20/3674 involving authentication
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.

Claims

1. An e-wallet checkout processor-implemented method, comprising:

receiving a merchant payment request including a web-to-wallet transition payment protocol;

determining, on an electronic mobile device, a payment protocol handler from a plurality of payment protocol handlers associated with the web-to-wallet transition payment protocol;

processing, on the electronic mobile device, the merchant payment request using the handler;

instantiating, on the electronic mobile device, a wallet application via the payment protocol handler;

obtaining a payment method selection via the wallet application;

providing, by the electronic mobile device, a transaction execution request, including the selected payment method, to a checkout server to initiate payment to the merchant according to the merchant payment request, wherein the checkout server is not the merchant;

receiving, by the electronic mobile device, a purchase response to the transaction execution request from the checkout server; and

outputting purchase response information derived from the received purchase response.

2. The method of claim 1, wherein the payment protocol handler includes a purchase transaction parameter.

3. The method of claim 2, wherein the purchase transaction parameter includes one of:

a selected payment method;

a user-selected merchandise;

a merchandise price;

an applicable discount; and

an offer.

4. The method of claim 1, further comprising:

receiving a merchant payment request resulting from a transaction initiated from an initiating webpage; and

transitioning to the wallet application from the initiating webpage.

5. The method of claim 1, wherein the payment method selection is obtained by determining a default payment method.

6. The method of claim 1, wherein the payment method selection is an electronic wallet.

7. The method of claim 1, wherein the payment method selection is one of a credit card, a debit card, and a gift card.

8. The method of claim 1, further comprising:

obtaining a virtual merchant store injection package;

instantiating the virtual merchant store within the wallet application for display and interaction; and

wherein the transaction associated with the merchant payment request includes purchase of a merchandise displayed in the virtual merchant store.

9. The method of claim 1, wherein the wallet application is one of:

a Java applet;

a Hypertext Markup Language (HTML) application; and

a Javascript application.

10. The method of claim 1, further comprising:

displaying a redirect page specified by a merchant associated with the merchant payment request.

11. An e-wallet checkout apparatus, comprising:

a processor;

an input-output circuit;

a power source; and

a memory in communication with the processor and storing processor executable instructions to;

receive a merchant payment request including a web-to-wallet transition payment protocol;

determine, on an electronic mobile device, a payment protocol handler associated with the web-to-wallet transition payment protocol;

analyze, on the electronic mobile device, the merchant payment request using the handler;

instantiate, on the electronic mobile device, a wallet application via the payment protocol handler;

obtain a payment method selection via the wallet application;

provide a transaction execution request, including the selected payment method, to a checkout server to initiate payment to the merchant according to the merchant payment request, wherein the checkout server is not the merchant;

receive a purchase response to the transaction execution request from the checkout server; and

output purchase response information derived from the received purchase response.

12. The apparatus of claim 11, wherein the payment protocol handler includes a purchase transaction parameter.

13. The apparatus of claim 12, wherein the purchase transaction parameter includes one of:

a selected payment method;

a user-selected merchandise;

a merchandise price;

an applicable discount; and

an offer.

14. The apparatus of claim 11, the memory further physically configured for storing instructions to:

receive a merchant payment request resulting from a transaction initiated from an initiating webpage; and

transition to the wallet application from the initiating webpage.

15. The apparatus of claim 11, wherein the payment method selection is obtained by determining a default payment method.

16. The apparatus of claim 11, wherein the payment method selection is an electronic wallet.

17. The apparatus of claim 11, wherein the payment method selection is one of a credit card, a debit card, and a gift card.

18. The apparatus of claim 11, the memory further physically configured for storing processor executable instructions to:

obtain a virtual merchant store injection package;

instantiate the virtual merchant store within the wallet application for display and interaction; and

wherein the transaction associated with the merchant payment request includes purchase of a merchandise displayed in the virtual merchant store.

19. The apparatus of claim 11, wherein the wallet application is one of:

a Java applet;

a Hypertext Markup Language (HTML) application; and

a Javascript application.

20. The apparatus of claim 11, the memory physically configured for further storing instructions to:

display a redirect page specified by a merchant associated with the merchant payment request.