System and method for providing multiple payment method options to browser

Patent metadata

Field	Value
Publication number	US-10152756-B2
Application number	US-201815947395-A
Country	US
Kind code	B2
Filing date	Apr 6, 2018
Priority date	Mar 31, 2014
Publication date	Dec 11, 2018
Grant date	Dec 11, 2018

Abstract

Disclosed is an approach for enabling a user to choose from multiple payment options using a browser API. The method includes determining whether a user interfacing with a site via a browser can make a payment via a first browser payment request application programming interface or a second browser payment request application programming interface. The method includes presenting a dynamically modified buy button that is associated with the selected browser or a user payment account enabled via the selected browser and transmitting, in connection with an interaction with the dynamically modified buy button, a payment request to the selected browser and via the selected browser payment request application programming interface. The user can make the payment using the account type they are using.

First claim

We claim:

1. A method comprising:
determining, at a site and via a processor, whether a browser operating on a user device is one of a first browser type or a second browser type and whether a user can make a purchase using a first account or a second account, to yield a determination;
when the determination indicates that the browser is the first browser type or that the user can make the purchase using the first account:
presenting, via the processor, a first buy button which is associated with the first account;
transmitting, from the site, to the browser and via a browser application programming interface that defines a protocol for communicating information about purchases between the site and the browser, a payment request having information associated with the purchase from the site for the user; and
receiving, from the browser, and via the browser application programming interface, first data associated with the first account;

when the determination indicates that the browser is the second browser type or whether the user can make the purchase using the second account:
presenting, via the processor, a second buy button which is associated with the second account; and
receiving, from an on-line payment service at which the second account is registered, second data associated with the second account.

2. The method of claim 1 , wherein the first browser type and the second browser type are different browser types.

3. The method of claim 1 , wherein the determination indicates that the browser is the second browser type or whether the user can make the purchase using the second account, the method further comprises:
transmitting, to the browser and via a second browser application programming interface that defines a protocol for communicating information about purchases between the site and the browser, a second payment request having second information associated with the purchase from the site for the user, wherein the receiving of the second data further comprises receiving the second data via the second browser application programming interface.

4. The method of claim 1 , wherein the browser application programming interface is associated with operations of the browser.

5. The method of claim 1 , wherein the second data associated with the second account comprises payment data that confirms that a payment to purchase a product was performed by the on-line payment service.

6. The method of claim 1 , wherein the first data associated with the first account comprises payment data that confirms that a payment to purchase a product was performed by a payment service.

7. The method of claim 6 , further comprising:
receiving a communication, from the browser and based on data communicating via a browser payment handler application programming interface which defines a protocol for communicating data between the browser and a payment service, information confirming that the payment service processed the payment.

8. A non-transitory computer-readable storage device storing instructions which, when executed by a processor, cause the processor to perform operations comprising:
determining, at a site, whether a browser operating on a user device is one of a first browser type or a second browser type and whether a user can make a purchase using a first account or a second account, to yield a determination;
when the determination indicates that the browser is the first browser type or that the user can make the purchase using the first account:
presenting a first buy button which is associated with the first account;
transmitting, from the site, to the browser and via a browser application programming interface that defines a protocol for communicating information about purchases between the site and the browser, a payment request having first information associated with the purchase from the site for the user; and
receiving, from the browser, and via the browser application programming interface, first data associated with the first account;

when the determination indicates that the browser is the second browser type or whether the user can make the purchase using the second account:
presenting a second buy button which is associated with the second account; and
receiving, from an on-line payment service at which the second account is registered, second data associated with the second account.

9. The non-transitory computer-readable storage device of claim 8 , wherein the second data associated with the second account comprises payment data that confirms that a payment to purchase a product was performed by the on-line payment service.

10. The non-transitory computer-readable storage device of claim 8 , wherein the first data associated with the first account comprises payment data that confirms that a payment to purchase a product was performed by a payment service.

11. A system comprising:
a processor; and
a computer-readable storage device storing instructions which, when executed by the processor, cause the processor to perform operations comprising:
determining, at a site, whether a browser operating on a user device is one of a first browser type or a second browser type and whether a user can make a purchase using a first account or a second account, to yield a determination;

when the determination indicates that the browser is the first browser type or that the user can make the purchase using the first account:
presenting a first buy button which is associated with the first account;
transmitting, from the site, to the first browser and via a browser application programming interface that defines a protocol for communicating information about purchases between the site and the browser, a payment request having information associated with the purchase from the site for the user; and
receiving, from the browser, and via the browser application programming interface, first data associated with the first account;

when the determination indicates that the browser is the second browser type or whether the user can make the purchase using the second account:
presenting a second buy button which is associated with the second account; and
receiving, from an on-line payment service at which the second account is registered, second data associated with the second account.

12. The system of claim 11 , wherein the first browser type and the second browser type are different browser types.

13. The system of claim 11 , wherein the browser application programming interface is associated with operations of the browser.

14. The system of claim 11 , wherein the second data associated with the second account comprises payment data that confirms that a payment to purchase a product was performed by the on-line payment service.

15. The system of claim 11 , wherein the first data associated with the first account comprises payment data that confirms that a payment to purchase a product was performed by a payment service.

16. The system of claim 15 , wherein the computer-readable storage device stores additional instructions which, when executed by the processor, cause the processor to perform operations further comprising:
receiving a communication, from the first browser and based on data communicating via a browser payment handler application programming interface which defines a protocol for communicating data between the browser and a payment service, information confirming that the payment service processed the payment.

Assignees

• Monticello Entpr Llc

Inventors

• Isaacson Thomas M
• Durham Ryan Connell

Classifications

• G06Q30/0625

  by formulating product or service queries, e.g. using keywords or predefined options · CPC title

• G06Q20/12

  specially adapted for electronic shopping systems · CPC title

• G06F16/951

  Indexing; Web crawling techniques · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G07G1/0009

  Details of the software in the checkout register, electronic cash register [ECR] or point of sale terminal [POS] · CPC title