Granted Patent B2

US 12,277,537 · App. 18/479,018 · Granted Apr 15, 2025

Inventors: Thomas Purves (San Francisco, CA); Shilpak Mahadkar (Singapore, SG); Tenni Theurer (Foster City, CA); Ayman Hammad (Foster City, CA)

Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION

G06Q20/105G06Q20/28G06Q20/36

Abstract

Claims (42)

1. A computer-implemented method, comprising:

receiving, by a wallet server, a transaction request initiated by a user computing device;

sending, by the wallet server, an authentication response to a merchant server based on receiving the transaction request;

receiving, by the wallet server, a token for the transaction request from the merchant server, wherein the token comprises user account information; and

validating, by the wallet server, the transaction request based on the token.

2. The computer-implemented method of claim 1 , wherein the transaction request initiated by the user computing device is initiated by a wallet application executing on the user computing device, the method further comprising:

hosting, by the wallet server, the wallet application.

3. The computer-implemented method of claim 1 , wherein the transaction request is initiated by the user computing device based on the user computing device receiving a user credential, and wherein the transaction request comprises the user credential, the method further comprising:

authenticating, by the wallet server, the user credential.

4. The computer-implemented method of claim 3 , further comprising:

determining, by the wallet server, a user identification based on the user credential, wherein the sending the authentication response to the merchant server based on receiving the transaction request comprises sending, by the wallet server, the user identification to the merchant server.

5. The computer-implemented method of claim 4 , further comprising:

determining, by the wallet server, a payment method based on the user identification.

6. The computer-implemented method of claim 5 , wherein the determining the payment method comprises determining, by the wallet server, a payment method approved for use with a merchant associated with the merchant server.

7. The computer-implemented method of claim 5 , further comprising:

sending, by the wallet server, a response message to the merchant server based on validating the transaction request, wherein the response message comprises the payment method.

8. A computer-implemented method, comprising:

receiving, by a merchant server, an authentication response from a wallet server, wherein the wallet server sends the authentication response to the merchant server based on receiving a transaction request initiated a user computing device;

generating, by the merchant server, a token for the transaction request, wherein the token comprises user account information; and

sending, by the merchant server, the token to the wallet server, wherein the wallet server validates the transaction request based on the token.

9. The computer-implemented method of claim 8 , wherein the transaction request is initiated by a wallet application executing on the user computing device, wherein the wallet application is hosted by the wallet server.

10. The computer-implemented method of claim 8 , wherein the transaction request comprises a user credential, wherein the wallet server determines a user identification based on the user credential, and wherein the receiving the authentication response from the wallet server comprises receiving, by the merchant server, the user identification.

11. The computer-implemented method of claim 10 , wherein the generating the token for the transaction request comprises generating, by the merchant server, the token based on the user identification.

12. The computer-implemented method of claim 11 , further comprising:

receiving, by the merchant server, a response message from the wallet server, wherein the wallet server sends the response message based on validating the transaction request.

13. The computer-implemented method of claim 12 , wherein the response message comprises a payment method.

14. The computer-implemented method of claim 13 , further comprising:

sending, by the merchant server, the payment method to the user computing device.

15. A computer-implemented method, comprising:

executing, by a user computing device, a wallet application, wherein the wallet application is hosted by a wallet server;

initiating, by the user computing device, a transaction request via the wallet application, wherein the transaction request comprises a user credential;

sending, by the user computing device, the transaction request to the wallet server, wherein the transaction request comprises the user credential, wherein the wallet server validates the transaction request based on a token received from a merchant server, and wherein the wallet server sends a payment option to the merchant server based validating the transaction request; and

receiving, by the user computing device, the payment option from the merchant server.

16. The computer-implemented method of claim 15 , further comprising:

receiving, by the user computing device, the user credential; and

executing, by the user computing device, the wallet application based on receiving the user credential.

17. The computer-implemented method of claim 16 , wherein the executing the wallet application comprises displaying a wallet widget on a merchant webpage.

18. The computer-implemented method of claim 17 , wherein the user credential is associated with a merchant account.

19. The computer-implemented method of claim 15 , further comprising:

receiving, by the user computing device, a selection to approve the payment option via the wallet application.

20. The computer-implemented method of claim 15 , further comprising:

receiving, by the user computing device, a selection of a shipping option via the wallet application.

Assignments (1)

Continuity (14)

References Cited (400)