IP Library Granted Patent US 12,731,138
Granted Patent B2
US 12,731,138 · App. 18/969,627 · Granted Sep 8, 2026

System and method for providing multiple application programming interfaces for a browser to manage payments from a payment service

Inventors: Thomas M. Isaacson (Huntingtown, MD); Ryan Connell Durham (Anchorage, AK)
Assignee: MONTICELLO ENTERPRISES LLC
G06Q30/0633G06F3/0482G06F3/04842G06F16/248G06F16/951G06F16/9535G06F16/9538G06F18/24G06Q10/40G06Q20/384G06Q20/401G06Q30/0613G06Q30/0617G06Q30/0623G06Q30/0625G06Q30/0635G06Q30/0641
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Quick Facts
Patent No.
US 12,731,138
App. No.
18/969,627
Filed
Dec 5, 2024
Granted
Sep 8, 2026
Kind
B2
Art Unit
3688
USPC
705/26.62
Abstract

Disclosed herein are systems, methods, and computer-readable storage devices for a new browser including multiple application programming interfaces. A method includes receiving, from a site, at a browser and via a first application programming interface that defines a first protocol for communicating data between the browser and the site, a first payment request associated with a potential purchase by a user, in response to the first payment request and based on an identification of a payment service, communicating, from the browser and via a second application programming interface that defines a second protocol for communicating data between the browser and the payment service, a second payment request to the payment service, receiving, at the browser, from the payment service, via the second application programming interface, authorized payment information and communicating, from the browser, to the site and via the first application programming interface, the authorized payment information.

Claims (40)

1 . A method comprising:

receiving, at a payment service and from a browser and via a first application programming interface that defines a first protocol for communicating data between the browser and the payment service, authorized payment information for making a payment for a potential purchase, wherein the authorized payment information is received based on a site transmitting to the browser and via a second application programming interface that defines a second protocol for communicating data between the browser and the site, a payment request associated with the potential purchase by a user from the site; and

transmitting, to the browser, and via the first application programming interface, a confirmation of a completion of the payment for the potential purchase.

2 . The method of claim 1 , wherein the payment request comprises information about the potential purchase and a set of choices of payment methods supported by the site.

3 . The method of claim 1 , wherein the authorized payment information comprises authorized payment data that enables the payment service to process the payment.

4 . The method of claim 1 , wherein the authorized payment information includes data that relates to a payment account of the user.

5 . The method of claim 1 , wherein the payment request further comprises a request for an address of a user.

6 . The method of claim 5 , wherein, based on the payment request, the browser transmits through the second application programming interface, the address of the user to the site for use in delivering a product to the user.

7 . The method of claim 1 , wherein the browser coordinates use of the first application programming interface and the second application programming interface to transmit the authorized payment information to the payment service.

8 . A system comprising:

a processor; and

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

receiving, at a payment service and from a browser and via a first application programming interface that defines a first protocol for communicating data between the browser and the payment service, authorized payment information for making a payment for a potential purchase, wherein the authorized payment information is received based on a site transmitting to the browser and via a second application programming interface that defines a second protocol for communicating data between the browser and the site, a payment request associated with the potential purchase by a user from the site; and

transmitting, to the browser, and via the first application programming interface, a confirmation of a completion of the payment for the potential purchase.

9 . The system of claim 8 , wherein the payment request comprises information about the potential purchase and a set of choices of payment methods supported by the site.

10 . The system of claim 8 , wherein the authorized payment information comprises authorized payment data that enables the payment service to process the payment.

11 . The system of claim 8 , wherein the authorized payment information comprises a confirmation that the payment service processed a payment.

12 . The system of claim 8 , wherein the payment request further comprises a request for an address of a user.

13 . The system of claim 12 , wherein the browser, based on the payment request, transmits the address of the user through the second application programming interface to the site for use in delivering a product to the user.

14 . The system of claim 8 , wherein the browser coordinates use of the first application programming interface and the second application programming interface to transmit the authorized payment information to the payment service.

15 . The system of claim 8 , wherein the second application programming interface comprises a payment handler application programming interface.

16 . A payment service comprising:

a processor; and

a computer-readable storage medium storing instructions which, when executed by the processor, cause the processor to be configured to:

receive, via a first application programming interface that defines a first protocol for transmitting authorized payment data from a browser on a user device to the payment service, a first payment request, wherein receiving the first payment request is based on the browser configured on the user device receiving, via a second application programming interface that defines a second protocol for communicating data between the browser and a site, a second payment request from the site for payment data associated with a purchase of a product; and

process authorized payment data contained within the first payment request to handle a payment for a purchase.

17 . The payment service of claim 16 , wherein the second payment request comprises information about the purchase and a set of choices of payment methods supported by the site.

18 . The payment service of claim 16 , wherein the second payment request further comprises a request for an address of a user.

19 . The payment service of claim 18 , wherein the computer-readable storage medium stores instructions which, when executed by the processor, cause the processor to perform operations further comprising:

based on the second payment request, transmitting from the browser and through the second application programming interface, the address of the user to the site for use in delivering the product to the user.

20 . The payment service of claim 19 , wherein the second payment request comprises information about the purchase and a set of choices of payment methods supported by the site.

21 . A method comprising:

receiving, at a payment service, from a browser and via a first application programming interface that defines a first protocol for communicating data between the browser and the payment service, authorized payment information for making a payment for a potential purchase, wherein the authorized payment information is received based on either ( 1 ) a site transmitting to the browser and via a second application programming interface that defines a second protocol for communicating data between the browser and the site, a payment request associated with the potential purchase by a user from the site or ( 2 ) the payment request being received from code configured on the browser and via the second application programming interface;

processing the payment to complete a purchase; and

transmitting a confirmation of a completion of the payment for the purchase.

22 . A method comprising:

receiving, at a payment service, from a browser and via a first application programming interface that defines a first protocol for communicating data between the browser and the payment service, authorized payment information for making a payment for a potential purchase, wherein the authorized payment information is received based the browser obtaining, via a second application programming interface that defines a second protocol for communicating payment data for purchases, a payment request associated with the potential purchase by a user;

processing the payment to complete a purchase; and

transmitting a confirmation of the payment for the purchase.

23 . The method of claim 22 , wherein the browser obtains the payment request from either a merchant site or code configured on the browser that is associated with the potential purchase.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 7, 2025
From: ISAACSON, THOMAS M.; DURHAM, RYAN CONNELL
To: MONTICELLO ENTERPRISES LLC
Reel/Frame 071960/0356 →
Continuity (30)
Continuation 18539376 · Dec 14, 2023
Continuation 17963586 · Oct 11, 2022
Continuation 17588931 · Jan 31, 2022
Continuation 17179776 · Feb 19, 2021
Continuation 16884416 · Jul 14, 2020
Continuation 16849219 · Apr 15, 2020
Continuation 16721970 · Dec 20, 2019
Continuation 16573411 · Sep 17, 2019
Continuation 16445297 · Jun 19, 2019
Continuation 16279685 · Feb 19, 2019
Continuation In Part 16126541 · Sep 10, 2018
Continuation In Part 15947395 · Apr 6, 2018
Continuation In Part 15720878 · Sep 29, 2017
Continuation In Part 15263057 · Sep 12, 2016
Continuation 15018954 · Feb 9, 2016
Continuation 14853579 · Sep 14, 2015
Continuation 14822368 · Aug 10, 2015
Continuation 14672876 · Mar 30, 2015
Continuation In Part 14230864 · Mar 31, 2014
Provisional Application 61973287 · Apr 1, 2014
Provisional Application 61972834 · Mar 31, 2014
Provisional Application 61972890 · Mar 31, 2014
Provisional Application 61972865 · Mar 31, 2014
Provisional Application 61972878 · Mar 31, 2014
Provisional Application 61972861 · Mar 31, 2014
Provisional Application 61972843 · Mar 31, 2014
Provisional Application 61972848 · Mar 31, 2014
Provisional Application 61972892 · Mar 31, 2014
Provisional Application 61972879 · Mar 31, 2014
Related Publication 20250095048A1 · Mar 20, 2025
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