Granted Patent B2

US 10,121,129 · App. 13/542,443 · Granted Nov 6, 2018

Inventor: Avinash Kalgi (Kirkland, WA)

Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION

G06Q20/12G06Q20/20G06Q20/325G06Q20/3226G06Q20/3276G06Q20/3278G06Q20/363G06Q20/425G06Q30/0601

Abstract

Claims (51)

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

determining a location of a mobile device to be proximate a location of a merchant;

communicating from the mobile device to a store management server of the merchant;

viewing, via a screen of the mobile device, an augmented reality view of a store aisle indicating a location of item;

selecting, via the mobile device, an item for purchase from the merchant;

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

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

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

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

obtaining a payment method selection via the wallet application;

providing, by the 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 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 discounts; and an offer.

4. The method of claim 1 , further comprising:

obtaining security credentials specified in the payment protocol handler; and

instantiating the wallet application responsive to verification of the security credentials.

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, 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; an 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; and

a memory disposed in communication with the processor and storing processor-issuable instructions to:

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

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

process, on the mobile device, the merchant payment request using the handler;

instantiate, on the mobile device, a wallet application selected from a plurality of wallet applications via the determined payment protocol handler;

obtain a payment method selection via the wallet application via a user interface generated by the selected 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 discounts; and an offer.

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

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

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

17. The apparatus of claim 11 , the memory further storing 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.

18. The apparatus of claim 11 , wherein the wallet application is one of: a Java applet; an HTML application; and a Javascript application.

19. The apparatus of claim 11 , the memory further storing instructions to:

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

Assignments (1)

Continuity (2)

Cited By (27)

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