Granted Patent B2

US 12,217,244 · App. 17/106,689 · Granted Feb 4, 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 (70)

1. A method for performing an electronic transaction using a digital wallet, comprising:

receiving, from an electronic transaction browser, a selection to opt into or not to opt into a digital wallet express checkout;

receiving, from the electronic transaction browser, an express checkout request;

generating, by a digital wallet system, a first graphical interface including a first field to input electronic transaction data, a button to continue the express checkout and a second field to select a quest checkout, wherein the electronic transaction data includes user data;

determining, by the digital wallet system, whether a user is enrolled in the digital wallet system after receiving the electronic transaction data;

after receiving the express checkout request and upon determining the user is enrolled in the digital wallet system, wherein a digital wallet token corresponding to the user and a payment option selected by the user is generated in response to the user being enrolled in the digital wallet system and before performing a payment authorization:

transmitting, by the digital wallet system, a first verification request to the electronic transaction browser, wherein the first verification request includes a one-time password authentication request or a two-factor authentication request;

receiving, by the digital wallet system, a first verification response from the electronic transaction browser;

generating, by the digital wallet system, a second graphical interface including an order review and one or more method of payment options;

receiving, by the digital wallet system, a user response received on the second graphical interface, wherein the user response includes the payment option selected by the user;

retrieving, from the digital wallet system, the digital wallet token based on the user response;

receiving, by the digital wallet system, a merchant specific token based on the digital wallet token before performing the payment authorization; and

completing, by the digital wallet system, an electronic transaction based on the user response and the merchant specific token.

2. The method of claim 1 , further comprising:

after receiving the express checkout request and upon determining the user is not enrolled in the digital wallet system, initiating, by the digital wallet system, an enrollment process including:

transmitting, by the digital wallet system, a second verification request to the electronic transaction browser;

receiving, by the digital wallet system, a second verification response from the electronic transaction browser; and

creating, by the digital wallet system, a digital wallet account for the user.

3. The method of claim 1 , further comprising:

receiving a guest checkout request in order to process the electronic transaction.

4. The method of claim 1 , further comprising:

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

5. The method of claim 4 , wherein the plurality of transaction options for completing the electronic transaction comprises payment by lending.

6. A system comprising:

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

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

receiving, from an electronic transaction browser, a selection to opt into or not to opt into a digital wallet express checkout;

receiving, from the electronic transaction browser, an express checkout request;

generating, by a digital wallet system, a first graphical interface including a first field to input electronic transaction data, a button to continue the express checkout and a second field to select a guest checkout, wherein the electronic transaction data includes user data;

determining, by the digital wallet system, whether a user is enrolled in the digital wallet system after receiving the electronic transaction data;

after receiving the express checkout request and upon determining the user is enrolled in the digital wallet system, wherein a digital wallet token corresponding to the user and a payment option selected by the user is generated in response to the user is enrolled in the digital wallet system and before performing a payment authorization;

transmitting, by the digital wallet system, a first verification request to the electronic transaction browser, wherein the verification request includes a one-time password authentication request or a two-factor authentication request;

receiving, by the digital wallet system, a first verification response from the electronic transaction browser;

generating, by the digital wallet system, a second graphical interface including an order review and one or more method of payment options;

receiving, by the digital wallet system, a user response received on the graphical interface, wherein the user response includes the payment option selected by the user;

retrieving, from the digital wallet system, the digital wallet token based on the user response;

receiving, by the digital wallet system, a merchant specific token based on the digital wallet token before performing the payment authorization; and

completing, by the digital wallet system, an electronic transaction based on the user response and the merchant specific token.

7. The system of claim 6 , further comprising:

after receiving the express checkout request and upon determining the user is not enrolled in the digital wallet system, initiating, by the digital wallet system, an enrollment process including:

transmitting, by the digital wallet system, a second verification request to the electronic transaction browser;

receiving, by the digital wallet system, a second verification response from the electronic transaction browser; and

creating, by the digital wallet system, a digital wallet account for the user.

8. The system of claim 6 , further comprising:

receiving a guest checkout request in order to process the electronic transaction.

9. The system of claim 6 , further comprising:

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

10. The system of claim 9 , wherein the plurality of transaction options for completing the electronic transaction comprises payment by lending.

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

receiving, from an electronic transaction browser, a selection to opt into or not to opt into a digital wallet express checkout;

receiving, from the electronic transaction browser, an express checkout request;

generating, by a digital wallet system, a first graphical interface including a first field to input electronic transaction data, a button to continue the express checkout and a second field to select a guest checkout, wherein the electronic transaction data includes user data;

determining, by the digital wallet system, whether a user is enrolled in the digital wallet system after receiving the electronic transaction data;

after receiving the express checkout request and upon determining the user is enrolled in the digital wallet system, wherein a digital wallet token corresponding to the user and a payment option selected by the user is generated in response to the user is enrolled in the digital wallet system and before performing a payment authorization:

transmitting, by the digital wallet system, a first verification request to the electronic transaction browser, wherein the verification request includes a one-time password authentication request or a two-factor authentication request;

receiving, by the digital wallet system, a first verification response from the electronic transaction browser;

generating, by the digital wallet system, a second graphical interface including an order review and one or more method of payment options;

receiving, by the digital wallet system, a user response received on the graphical interface, wherein the user response includes the payment option selected by the user;

retrieving, from the digital wallet system, the digital wallet token based on the user response;

receiving, by the digital wallet system, a merchant specific token based on the digital wallet token before performing the payment authorization; and

completing, by the digital wallet system, an electronic transaction based on the user response and the merchant specific token.

12. The non-transitory computer-readable medium of claim 11 , after receiving the express checkout request and upon determining the user is not enrolled in the digital wallet system, initiating, by the digital wallet system, an enrollment process including:

transmitting, by the digital wallet system, a second verification request to the electronic transaction browser;

receiving, by the digital wallet system, a second verification response from the electronic transaction browser;

creating, by the digital wallet system, a digital wallet account for the user.

13. The non-transitory computer-readable medium of claim 11 , further comprising:

receiving a guest checkout request in order to process the electronic transaction.

14. The non-transitory computer-readable medium of claim 11 , the operations further comprising:

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

wherein the plurality of transaction options for completing the electronic transaction comprises payment by lending.

Assignments (2)

Continuity (2)

References Cited (57)

Cited By (1)

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