Granted Patent B2

US 12,271,895 · App. 17/106,534 · Granted Apr 8, 2025

Inventors: Ashleigh D. DePopas (Denver, CO); Ian Hillis (Denver, CO); Richard Scheffrin (Georgetown, TX); Steven Walchek (Denver, CO)

Assignee: SKIPIFY, INC.

G06Q20/3674G06F3/0482G06Q20/027G06Q20/227G06Q20/363G06Q20/367G06Q20/3672G06Q20/385G06Q20/40G06Q20/4014G06Q20/42G06Q30/0233G06Q30/0236G06Q30/0641G06Q40/03H04L63/0838

Abstract

Claims (61)

1. A method for executing an electronic transaction with a merchant using a digital wallet, comprising:

generating, by a processing system comprising a digital wallet system, an encrypted token comprising encrypted information and a pseudorandom number in response to storing a payment method for a user in a user account associated with the digital wallet system, wherein the encrypted token is uniquely associated with a combination of the user and the merchant;

receiving, from an electronic transaction browser, electronic transaction information associated with the user;

determining, by the processing system, an account enrollment status based on the electronic transaction information;

generating, by the processing system, a verification request based on the account enrollment status;

displaying, on the electronic transaction browser, the verification request via a graphical interface;

receiving, by the processing system, user verification information via the graphical interface;

verifying, by the processing system, the user account in the digital wallet system based on the account enrollment status and the user verification information;

receiving, by the processing system, a request to complete the electronic transaction associated with the electronic transaction information received from the electronic transaction browser, wherein the request to complete the electronic transaction includes a merchant token, and wherein the merchant token is associated with the merchant and is for authenticating and authorizing the electronic transaction; and

based on the request to complete the electronic transaction, completing, by the processing system, the electronic transaction by:

exchanging the merchant token with the encrypted token, wherein the merchant token and the encrypted token exclude sensitive data; and

using the encrypted token to perform a payment authorization for the electronic transaction.

2. The method of claim 1 , further comprising: generating the user account when the user is not enrolled in the digital wallet system based on the account enrollment status.

3. The method of claim 1 , wherein the request to complete the electronic transaction comprises at least one of an express checkout request or a guest checkout request.

4. The method of claim 1 , wherein the electronic transaction information comprises at least one of an email address or a phone number.

5. The method of claim 1 , wherein the verification request includes a one-time password authentication request or a two-factor authentication request.

6. The method of claim 1 , further comprising:

generating and displaying, by the digital wallet system, a plurality of options for completing the electronic transaction.

7. The method of claim 6 , wherein the plurality of options for completing the electronic transaction comprises at least one of payment with a credit card account, payment with loyalty points, payment by lending, or payment with a bank account.

8. The method of claim 1 , wherein the encrypted token comprises a low-value token or a high-value token.

9. A system comprising:

one or more computer readable media storing instructions for executing an electronic transaction with a merchant using a digital wallet; and

one or more processors configured to execute the instructions to perform operations comprising:

generating, by a processing system comprising a digital wallet system, an encrypted token comprising encrypted information and a pseudorandom number in response to storing a payment method for a user in a user account associated with the digital wallet system, wherein the encrypted token is uniquely associated with a combination of the user and the merchant;

receiving, from an electronic transaction browser, electronic transaction information associated with the user;

determining, by the processing system, an account enrollment status based on the electronic transaction information;

generating, by the processing system, a verification request based on the account enrollment status;

displaying, on the electronic transaction browser, the verification request via a graphical interface;

receiving, by the processing system, user verification information via the graphical interface;

verifying, by the processing system, the user account in the digital wallet system based on the account enrollment status and the user verification information;

receiving, by the processing system, a request to complete the electronic transaction associated with the electronic transaction information received from the electronic transaction browser, wherein the request to complete the electronic transaction includes a merchant token, and wherein the merchant token is associated with the merchant and is for authenticating and authorizing the electronic transaction; and

based on the request to complete the electronic transaction, completing, by the processing system, the electronic transaction by:

exchanging the merchant token with the encrypted token, wherein the merchant token and the encrypted token exclude sensitive data; and

using the encrypted token to perform a payment authorization for the electronic transaction.

10. The system of claim 9 , the operations further comprising:

generating the user account when the user is not enrolled in the digital wallet system based on the account enrollment status.

11. The system of claim 9 , wherein the request to complete the electronic transaction comprises at least one of an express checkout request or a guest checkout request.

12. The system of claim 9 , wherein the electronic transaction information comprises at least one of an email address or a phone number.

13. The system of claim 9 , wherein the verification request includes a one-time password authentication request or a two-factor authentication request.

14. The system of claim 9 , the operations further comprising:

generating and displaying, by the digital wallet system, a plurality of options for completing the electronic transaction.

15. The system of claim 14 , wherein the plurality of options for completing the electronic transaction comprises at least one of payment with a credit card account, payment with loyalty points, payment by lending, or payment with a bank account.

16. A non-transitory computer-readable medium storing instructions for executing an electronic transaction with a merchant using a digital wallet, the instructions, when executed by one or more processors, causing the one or more processors to perform operations comprising:

generating, by a processing system comprising a digital wallet system, an encrypted token comprising encrypted information and a pseudorandom number in response to storing a payment method for a user in a user account associated with the digital wallet system, wherein the encrypted token is uniquely associated with a combination of the user and the merchant;

receiving, from an electronic transaction browser, electronic transaction information associated with the user;

determining, by the processing system, an account enrollment status based on the electronic transaction information;

generating, by the processing system, a verification request based on the account enrollment status;

displaying, on the electronic transaction browser, the verification request via a graphical interface;

receiving, by the processing system, user verification information via the graphical interface;

verifying, by the processing system, the user account in the digital wallet system based on the account enrollment status and the user verification information;

receiving, by the processing system, a request to complete the electronic transaction associated with the electronic transaction information received from the electronic transaction browser, wherein the request to complete the electronic transaction includes a merchant token, and wherein the merchant token is associated with the merchant and is for authenticating and authorizing the electronic transaction; and

based on the request to complete the electronic transaction, completing, by the processing system, the electronic transaction by:

exchanging the merchant token with the encrypted token, wherein the merchant token and the encrypted token exclude sensitive data; and

using the encrypted token to perform a payment authorization for the electronic transaction.

17. The non-transitory computer-readable medium of claim 16 , the operations further comprising:

generating the user account when the user is not enrolled in the digital wallet system based on the account enrollment status.

18. The non-transitory computer-readable medium of claim 16 , wherein the request to complete the electronic transaction comprises at least one of an express checkout request or a guest checkout request.

19. The non-transitory computer-readable medium of claim 16 , wherein the electronic transaction information comprises at least one of an email address or a phone number.

20. The non-transitory computer-readable medium of claim 16 , the operations further comprising:

generating and displaying, by the digital wallet system, a plurality of options for completing the electronic transaction,

wherein the plurality of options for completing the electronic transaction comprises at least one of payment with a credit card account, payment with loyalty points, payment by lending, or payment with a bank account.

Assignments (2)

Continuity (2)

References Cited (12)

Cited By (1)

US 12,511,642