Accepting issuer credentials at checkout

Patent metadata

Field	Value
Publication number	US-10776766-B2
Application number	US-201715418552-A
Country	US
Kind code	B2
Filing date	Jan 27, 2017
Priority date	Jan 27, 2016
Publication date	Sep 15, 2020
Grant date	Sep 15, 2020

Abstract

A computer-implemented method presents on a merchant checkout graphical user interface associated with a payment processor widget. The payment processor widget determines affiliations of a plurality of accounts and a plurality of issuers of a user. The payment processor widget via the merchant checkout graphical user interface defines at least one selectable graphic configured for receiving interactions of the user on the selectable graphic. In response to receiving the selection of the selectable graphic, the payment processor widget presents a field within the merchant checkout graphical user interface for receiving a credential from the user associated with an authentication widget of the particular issuer. The authentication widget communicates the credential to the particular issuer for authentication of the user. In response to receiving a successful authentication indicator from the particular issuer, the payment processor widget displays a message indicating that a transaction was approved.

First claim

What is claimed is:

1. A computer-implemented method comprising:
instead of interacting with a user on a merchant device in a checkout process, presenting a merchant checkout graphical user interface on a display of a user device associated with a payment processor widget in the checkout process after interacting, by the payment processor widget, with a merchant;
incorporating the payment processor widget into the merchant checkout graphical user interface as part of the checkout process;
recognizing an alias associated with the user based on a device fingerprint associated with the user device of the user;
in response to recognizing, determining, by the payment processor widget, a plurality of accounts associated with a plurality of issuers associated with the user;
presenting, by the payment processor widget via the merchant checkout graphical user interface, at least one selectable graphic for receiving a selection, wherein the at least one selectable graphic is associated with a particular one of the plurality of issuers and comprises an image with branding of the particular one of the plurality of issuers;
in response to receiving the selection of the at least one selectable graphic, presenting a field within the merchant checkout graphical user interface for receiving a credential from the user associated with an authentication widget of the particular one of the plurality of issuers, wherein the credential has been established with the particular one of the plurality of issuers;
communicating, by the authentication widget, the credential to the particular issuer for authentication of the user; and
in response to receiving a successful authentication indicator from the particular issuer, displaying a message indicating that a transaction with the merchant was approved.

2. The computer-implemented method of claim 1 , wherein presenting comprises displaying the payment processor widget on the merchant checkout graphical user interface of the merchant, said merchant checkout graphical user interface comprising a webpage.

3. The computer-implemented method of claim 1 , further comprising providing the payment processor widget from a payment processor to the merchant for presentment to the user, said payment processor being different from the merchant.

4. The computer-implemented method of claim 3 , wherein the payment processor widget provides an outward appearance as though the merchant provides the payment processor widget and not the payment processor.

5. The computer-implemented method of claim 1 , wherein determining comprises:
identifying, by a payment processor via the payment processor widget, device-based information; and
querying an issuer affiliation database of the payment processor to determine an affiliation between the device-based information and the user.

6. The computer-implemented method of claim 5 , wherein determining comprises:
identifying, by the payment processor via the payment processor widget, information based on the alias; and
querying the issuer affiliation database of the payment processor to determine an affiliation between the alias-based information to the user.

7. A computer-implemented method comprising:
instead of interacting with a user on a merchant device in a checkout process, defining a payment processor widget for displaying a merchant checkout graphical user interface on a display of a user device, said payment processor widget comprising a selectable graphic for presentation to the user during the checkout process;
incorporating the payment processor widget into the merchant checkout graphical user interface as part of the checkout process;
recognizing an alias associated with the user based on a device fingerprint associated with the user device of the user, the device fingerprint includes at least one of the following: a cookie, and a browser fingerprint;
in response to recognizing, determining, by the payment processor widget, a plurality of accounts associated with a plurality of issuers associated with the user;
presenting, by the payment processor widget via the merchant checkout graphical user interface, the selectable graphic for receiving a selection, wherein the selectable graphic is associated with a particular one of the plurality of issuers and comprises an image with branding of the particular one of the plurality of issuers;
in response to receiving the selection of the selectable graphic, defining, by the payment processor widget, a data field within the merchant checkout graphical user interface for receiving a credential from the user, wherein the credential has been established with the particular one of the plurality of issuers;
in response to receiving the credential from the user in the data field, triggering an authentication widget of the particular one of the plurality of issuers affiliated with the received credential;
communicating, by the authentication widget, the credential to the particular one of the plurality of issuers for authentication of the user; and
in response to receiving a successful authentication indicator from the particular issuer, displaying a message indicating that a transaction with the merchant was approved.

8. The computer-implemented method of claim 7 , wherein defining comprises displaying the payment processor widget on the merchant checkout graphical user interface of the merchant, said merchant checkout graphical user interface comprising a webpage.

9. The computer-implemented method of claim 7 , further comprising providing the payment processor widget from a payment processor to the merchant for presentment to the user, said payment processor being different from the merchant.

10. The computer-implemented method of claim 9 , wherein the payment processor widget provides an outward appearance as though the merchant provides the payment processor widget and not the payment processor.

11. The computer-implemented method of claim 7 , wherein determining comprises:
identifying, by a payment processor via the payment processor widget, one of following user identifying information: device-based information and information based on the alias; and
querying an issuer affiliation database of the payment processor to determine an affiliation between the user identifying information and the user.

12. The computer-implemented method of claim 9 , further comprising generating, by the payment processor via the payment processor widget, a payment token to be communicated to the merchant.

13. The computer-implemented method of claim 9 , further comprising:
identifying a previous authenticated transaction between the user and another particular issuer;
receiving a request to authenticate a subsequent similar transaction to the previous authenticated transaction;
in response to the receiving, verifying contextual information associated with the subsequent similar transaction is consistent with contextual information of the previous authenticated transaction;
in response to the verification being positive, generating a payment token to be communicated to the merchant, said payment token authenticating the subsequent similar transaction without requiring the credentials from the user on the data field.

14. A computer-implemented system comprising:
a memory for storing a database storing data of user accounts;
a computer network electronically connecting the memory with a computing device of a merchant;
a payment processor, accessible by the memory via the computer network, configured to execute computer-executable instructions for:
instead of interacting with a user on a merchant device in a checkout process, defining a

Assignees

• Purves Thomas
• Visa Int Service Ass

Inventors

• Purves Thomas

Classifications

• G06Q20/20 Primary

  Point-of-sale [POS] network systems · CPC title

• G06Q20/401

  Transaction verification · CPC title

• G06F3/0481

  based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance · CPC title

• G06F3/04883

  for inputting data by handwriting, e.g. gesture or text · CPC title

• G07G1/01

  Details for indicating · CPC title