Patent disclosure #144

W3C internal identifier for this patent

144

Specification

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

Type/State

published

Name

15/494246 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. A computer based system for creating communications to effectuate a purchase using an electronic wallet system comprising: a memory physically configured to store computer executable instructions; an input-output circuit; a processor physically configured to receive an electronic message comprising: a contact previously indicated as being related to the electronic wallet system, an item selected for purchase; and a merchant identifier; using the processor to communicate an electronic response message to the contact, the response message comprising: a URL to the electronic wallet system; payment details wherein payment details comprise: an APP-ID, a Store/Merchant-ID and the item selected details; receiving a selection of the URL wherein the URL redirects a browser to open the electronic wallet system; using the payment details to create a transaction in the electronic wallet system; using the processor to authenticate the payment details in the URL through the mobile wallet; and using the processor to communicate transaction details through an API to a merchant. 22. The system of claim 1, wherein previously indicating a contact is related to a mobile payment system comprises: signing into a payment application; verifying authorization to use the payment application; in response to the authorization being verified, receiving a mobile number; communicating a test message to the mobile number wherein the test message comprises a URL; in response to an acceptable message being received from the URL, storing that the mobile number is verified as being related to the mobile payment system. 23. The system of claim 21, wherein the APP-ID, Store/Merchant-ID and Card Details follow a pre-determined protocol. 24. The system of claim 1, wherein the URL contains the payment details and the payment details are utilized by the wallet app. 25. The system of claim 21, wherein the payment details are stored remotely and are accessed by the wallet app to display and complete the transaction. 26. The system of claim 21, further comprising using an electronic token as part of the electronic wallet system. 27. The system of claim 24, wherein the payment token is provided by a payment provider. 28. The system of claim 25, wherein the payment token is communicated from the wallet app to the merchant. 29. The system of claim 26, wherein the payment token is communicated from the merchant to the payment provider for verification. 30. The system of claim 21, wherein the URL is communicated using a second communication channel. 31. The system of claim 21, wherein the URL links to a wallet system wherein the wallet system is pre-populated with the store and the selected items. 32. The system of claim 21, wherein the item selected for purchase and the merchant identifier are received from a merchant web site or a merchant application. 33. The system of claim 21, wherein the AppId comprises a Team ID and a bundle ID search string. 34. The system of claim 21, wherein a Store/Merchant-ID and is used to determine where to transfer funds. 35. The system of claim 21, wherein the items selected are displayed in the wallet app. 36. The system of claim 21, wherein the wallet app autofill in shipping data in the merchant app. 37. The system of claim 21, wherein using a processor to authenticate the payment details in the URL through the mobile wallet further comprises receiving a bio identification; determining a comparison of a received bio identification to a stored bio identification; if the bio identification is scored over a threshold, approving the transaction; and if the bio identification is scored under a threshold, denying the transaction. 38. The system of claim 21, wherein using a processor to authenticate the payment details in the URL through the mobile wallet further comprises: receiving a PIN; comparing the PIN to a stored PIN for the account; in response to the PIN being scored over a threshold, approving the transaction; and in response to the PIN being scored under a threshold, denying the transaction. 39. A system for creating communications to effectuate a purchase using an electronic wallet system comprising: using a server to receive a message comprising: a contact previously indicated as being related to the electronic wallet system, an item selected for purchase; and a merchant identifier; using the server to communicate a response message to the contact, the response message comprising: a URL to the electronic wallet system; payment details wherein payment details comprise: an APP-ID, a Store/Merchant-ID and the item selected details; receiving a selection of the URL wherein the URL redirects a browser to open the electronic wallet system which is operated by a wallet server; using the payment details to create a transaction in the electronic wallet system; using an authentication processor to authenticate the payment details in the URL through a payment network and the mobile wallet; and using the authentication processor to communicate transaction details through an API to a merchant. 40. The system of claim 39, further comprising using an electronic token as part of the electronic wallet system, wherein: the payment token is provided by a payment provider; the payment token is communicated from the wallet app to the merchant; and the payment token is communicated from the merchant to the payment provider for verification.

Portion of the specification covered

Licensing info

Exclusions

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

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