Granted Patent B2

US 11,244,377 · App. 16/573,411 · Granted Feb 8, 2022

Inventors: Thomas M. Isaacson (Huntingtown, MD); Ryan Connell Durham (Santa Clara, UT)

Assignee: MONTICELLO ENTERPRISES LLC

G06Q30/0633G06Q30/0625G06Q30/0635G06Q30/0641

Abstract

Claims (41)

1. A method comprising:

storing payment data on a device;

receiving, via a browser, an interaction, by a user, with a site presented within the browser, the interaction indicating a user intent to make a purchase;

receiving, at the browser, based on the interaction and according to an application programming interface programmed into the browser that defines a protocol for communicating the payment data between the site and the browser, a request from the site for authorized payment data in connection with the purchase, wherein the authorized payment data comprises at least the payment data on the device;

receiving, via the browser and according to the application programming interface, the authorized payment data; and

transmitting, to the site, from the browser and according to the application programming interface, the authorized payment data.

2. The method of claim 1 , wherein the payment data comprises one of payment account data and a user address.

3. The method of claim 1 , wherein the site processes a payment for the purchase based on the authorized payment data.

4. The method of claim 1 , further comprising:

providing a confirmation interface for the purchase;

receiving a confirmation from the user via the confirmation interface; and

based on the confirmation, transmitting, according to the application programming interface, one of payment account data for the site to process a payment for the purchase or a payment confirmation that a payment processing service has processed the payment for the purchase.

5. The method of claim 4 , wherein the payment confirmation confirms that an entity associated with the browser processed the payment.

6. The method of claim 1 , wherein the application programming interface communicates data between the site and a social networking site.

7. The method of claim 1 , wherein the authorized payment data further comprises one or more of address data for the user, a payment account number, an expiration date, a security code, a cardholder name, cryptocurrency data, and shipping instructions.

8. A method comprising:

transmitting, for presenting via a browser, an object with which a user can interact, wherein the object comprises one of a button, a drop-down screen or a hyperlink;

receiving an interaction by the user with the object associated with a site, the interaction indicating a user intent to make a purchase;

transmitting, based on the interaction and according to an application programming interface that defines a protocol for communicating authorized payment data between the site and the browser, a request from the site for the authorized payment data; and

receiving, at the site, from the browser and according to the application programming interface, the authorized payment data.

9. The method of claim 8 , wherein:

when the site processes a payment for a product, the authorized payment data comprises at least user payment account data and the method further comprises:

processing the payment for the product based on the user payment account data received from the browser according to the application programming interface; and

when a payment service processes the payment for the product, the authorized payment data comprising a confirmation that the payment for the product has occurred by the payment service.

10. A device comprising:

a processor;

a browser operating on the device; and

a computer readable storage medium storing instructions which, when executed by the processor, cause the processor to perform operations comprising:

receiving, from a site, at the browser and according to an application programming interface that defines a protocol for communicating data between the site and the browser, a request associated with a potential purchase from the site, wherein the request comprises information about the potential purchase;

receiving, based on the request and according to the application programming interface, authorized payment information for the potential purchase; and

transmitting, to the site, from the browser and according to the application programming interface, the authorized payment information.

11. The device of claim 10 , wherein the request is further associated with a user-initiated action indicating an intent by a user to make a purchase.

12. The device of claim 10 , wherein transmitting the authorized payment information to the site enables the site to process a purchase or confirms to the site that a payment service processed the purchase.

13. The device of claim 10 , wherein the request identifies supported payment methods used by the site.

14. The device of claim 13 , wherein the authorized payment information comprises a chosen payment method available for a user.

15. The device of claim 10 , wherein the request seeks a shipping address of a user.

16. The device of claim 15 , further comprising transmitting, to the site, from the browser and according to the application programming interface, the shipping address of the user.

17. The device of claim 16 , wherein the site can use the shipping address of the user to ship an item associated with a purchase.

18. The device of claim 10 , wherein the information about the potential purchase in the request comprises at least one of supported payment methods for the site, a total amount, a discount, a tax, a shipping amount, a currency type, a request for a shipping address, a request for an email of a user, and a request for a phone number of the user.

19. The device of claim 10 , wherein the authorized payment information comprises payment account data associated with a payment account of a user.

20. The device of claim 10 , wherein the authorized payment information comprises at least in part user payment data stored on the device.

Assignments (1)

Continuity (22)