Patent disclosure #137

W3C internal identifier for this patent

137

Specification

Web Payments HTTP Messages 1.0, delivered by Web Payments Working Group

Type/State

published

Name

15/494294 filed on 4/21/2017

Jurisdiction

US

Scope (essential or only relevant)

essential

Disclosed by

Visa.

Disclosed on

2017-10-27

Held by

Visa

Claim

21. An e-wallet checkout processor-implemented method, comprising: receiving a merchant payment request including a web-to-wallet transition payment protocol; determining, on an electronic mobile device, a payment protocol handler from a plurality of payment protocol handlers associated with the web-to-wallet transition payment protocol; processing, on the electronic mobile device, the merchant payment request using the handler; instantiating, on the electronic mobile device, a wallet application via the payment protocol handler; obtaining a payment method selection via the wallet application; providing, by the electronic mobile device, a transaction execution request, including the selected payment method, to a checkout server to initiate payment to the merchant according to the merchant payment request, wherein the checkout server is not the merchant; receiving, by the electronic mobile device, a purchase response to the transaction execution request from the checkout server; and outputting purchase response information derived from the received purchase response. 22. The method of claim 21, wherein the payment protocol handler includes a purchase transaction parameter. 23. The method of claim 22, wherein the purchase transaction parameter includes one of: a selected payment method; a user-selected merchandise; a merchandise price; an applicable discounts; and an offer. 24. The method of claim 21, further comprising: receiving a merchant payment request resulting from a transaction initiated from an initiating webpage; and transitioning to the wallet application from the initiating webpage. 25. The method of claim 21, wherein the payment method selection is obtained by determining a default payment method. 26. The method of claim 21, wherein the payment method selection is an electronic wallet. 27. The method of claim 21, wherein the payment method selection is one of a credit card, a debit card, a gift card. 28. The method of claim 21, further comprising: obtaining a virtual merchant store injection package; instantiating the virtual merchant store within the wallet application for display and interaction; and wherein the transaction associated with the merchant payment request includes purchase of a merchandise displayed in the virtual merchant store. 29. The method of claim 21, wherein the wallet application is one of: a Java applet; an HTML application; and a Javascript application. 30. The method of claim 21, further comprising: displaying a redirect page specified by a merchant associated with the merchant payment request. 31. An e-wallet checkout apparatus, comprising: a processor physically configured according to processor executable instructions; an input-output circuit; a power source; and a memory in communication with the processor and storing the processor executable instructions to: receive a merchant payment request including a web-to-wallet transition payment protocol; determine, on an electronic mobile device, a payment protocol handler associated with the web-to-wallet transition payment protocol; analyze, on the electronic mobile device, the merchant payment request using the handler; instantiate, on the electronic mobile device, a the wallet application via the payment protocol handler; obtain a payment method selection via the wallet application; provide a transaction execution request, including the selected payment method, to a checkout server to initiate payment to the merchant according to the merchant payment request, wherein the checkout server is not the merchant; receive a purchase response to the transaction execution request from the checkout server; and output purchase response information derived from the received purchase response. 32. The apparatus of claim 31, wherein the payment protocol handler includes a purchase transaction parameter. 33. The apparatus of claim 32, wherein the purchase transaction parameter includes one of: a selected payment method; a user-selected merchandise; a merchandise price; an applicable discounts; and an offer. 34. The apparatus of claim 31, the memory further physically configured for storing instructions to: receive a merchant payment request resulting from a transaction initiated from an initiating webpage; and transition to the wallet application from the initiating webpage. 35. The apparatus of claim 31, wherein the payment method selection is obtained by determining a default payment method. 36. The apparatus of claim 31, wherein the payment method selection is an electronic wallet. 37. The apparatus of claim 31, wherein the payment method selection is one of a credit card, a debit card, a gift card. 38. The apparatus of claim 31, the memory further physically configured for storing processor executable instructions to: obtain a virtual merchant store injection package; instantiate the virtual merchant store within the wallet application for display and interaction; and wherein the transaction associated with the merchant payment request includes purchase of a merchandise displayed in the virtual merchant store. 39. The apparatus of claim 31, wherein the wallet application is one of: a Java applet; an HTML application; and a Javascript application. 40. The apparatus of claim 31, the memory physically configured for further storing instructions to: display a redirect page specified by a merchant associated with the merchant payment request.

Portion of the specification covered

Licensing info

Exclusions

Excluded claims: 21-40
excluded by Visa, on 2019-04-30

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