Providing Payment Account Information Associated With A Digital Wallet Account To A User At A Merchant Point Of Sale Device

Patent metadata

Field	Value
Publication number	US-2016232518-A1
Application number	US-201514616589-A
Country	US
Kind code	A1
Filing date	Feb 6, 2015
Priority date	Feb 6, 2015
Publication date	Aug 11, 2016
Grant date	—

Abstract

In an example embodiment, the user initiates a digital wallet transaction at a point of sale (“POS”) terminal of a merchant system. The POS terminal receives payment account information options associated with the user's digital wallet account from the account management system to display to the user. The user selects one or more payment account information options via a user interface of the POS terminal. The account management system receives an indication of the user's one or more selections, generates one or more payment tokens based on the corresponding selected payment account information options, and transmits the one or more payment tokens to the POS terminal for use in a transaction. The POS terminal communicates with one or more issuer systems associated with the selected payment account information options to process the transaction using corresponding payment tokens. The user receives a transaction receipt at the POS terminal.

First claim

What is claimed is:

1 . A computer-implemented method to process a transaction via digital wallet payment account information of a user at a point of sale computing device of a merchant computing system, comprising:
receiving, by one or more computing devices and from a point of sale computing device associated with a merchant computing system, user identification information associated with a user and a request for payment account information associated with a digital wallet account of the user; identifying, by the one or more computing devices, the digital wallet account of the user based on the received user identification information; retrieving, by the one or more computing devices, one or more payment account options associated with the digital wallet account of the user; transmitting, by the one or more computing devices and to the point of sale computing device, the one or more payment account options for presentation by the point of sale computing device; receiving, by the one or more computing devices and from the point of sale computing device, an indication of a selection at the point of sale computing device of a particular payment account option from the one or more transmitted payment account options; generating, by the one or more computing devices, a payment token based on payment account information associated with the selected payment account option; transmitting, by the one or more computing devices, the payment token to the point of sale computing device for the point of sale computing device to process a payment transaction using the selected payment account option based on an issuer computing system associated with information in the payment token.

2 . The method of claim 1 , further comprising:
at a time after identifying the digital wallet account of the user and at a time before transmitting the one or more payment account options, accessing, by the one or more computing devices, first user verification information associated with the digital wallet account; transmitting, by the one or more computing devices and to the point of sale computing device, a request for user verification information to be displayed on the point of sale computing device; receiving, by the one or more computing devices and from the point of sale computing device, second user verification information entered at the point of sale computing device; and determining, by the one or more computing devices, that the second user verification information matches the first user verification information, and wherein transmitting the one or more payment account options is performed in response to determining that the second user verification information matches the first user verification information.

3 . The method of claim 2 , wherein the first and second user verification information comprise one or more of biometric information associated with the user, a personal identification number, and a password.

4 . The method of claim 1 , wherein the user identification information comprises an account number, a telephone number, an email address, or a hardware identifier associated with a computing device of the user in proximity to the point of sale computing device.

5 . The method of claim 1 , wherein the one or more payment account options transmitted to the point of sale device comprise payment account information that is abbreviated or occluded.

6 . The method of claim 1 , wherein the one or more payment account options comprise one or more of a credit account, a debit account, a bank account, a coupon, a rewards points account, a voucher, and an account associated with the merchant system.

7 . A computer-implemented method to process a transaction via digital wallet payment account information of a user at a point of sale computing device of a merchant computing system, comprising;
receiving, by a point of sale computing device associated with a merchant computing system, an input of a request to process a transaction using payment information from a digital wallet account of a user; receiving, by the point of sale computing device, an input of user identification information; transmitting, by the point of sale computing device and to one or more computing devices associated with the digital wallet account of the user, the user identification information and a request for payment account information associated with the digital wallet account of the user; receiving, by the point of sale computing device and from the one or more computing devices, one or more payment account options associated with the digital wallet account of the user; displaying, by the point of sale computing device, the one or more payment account options; receiving, by the point of sale computing device, an indication of a selection of a particular payment account option from the one or more particular payment account options displayed via the point of sale computing system; transmitting, by the point of sale computing device and to the one or more computing devices, the indication of the selection of the particular payment account option; receiving, by the point of sale computing device and from the one or more computing devices, a payment token associated with the particular payment account option; communicating, by the point of sale computing device and to an issuer computing system associated with the particular payment account option, a transaction authorization request and the payment token to process a payment transaction; receiving, by the point of sale computing device and from the issuer system, an authorization of the transaction authorization request based on the particular payment option; and completing, by the point of sale computing device, the transaction based on the received authorization.

8 . The method of claim 7 , wherein the one or more payment account options comprise one or more of a credit account, a debit account, a bank account, a coupon, a rewards points account, a voucher, and an account associated with the merchant system.

9 . The method of claim 7 , further comprising:
at a time before receiving the one or more payment options, receiving, by the point of sale computing device and from the one or more computing devices, a request for user verification information associated with the digital wallet account of the user; displaying, by the point of sale computing device, the request for user verification information; receiving, by the point of sale computing device, an input of user verification information; and transmitting, by the point of sale computing device and to the one or more computing devices, the received user verification information, wherein the one or more computing devices verify the transmitted user verification information against user verification information stored in association with the digital wallet account of the user, and wherein receiving the one or more payment options from the one or more computing devices is in response to the one or more computing devices verifying the user verification information.

10 . The method of claim 8 , wherein the received verification information comprises biometric information, a password, or a personal identification number.

11 . The method of claim 7 , wherein receiving the user identification information comprises:
establishing, by the point of sale computing device and with a user computing device in proximity to the point of sale computing device, a network connection; transmitting, by the point of sale computing device and to the user computing device, a request for a hardware identifier associated with the user computing device; and receiving, by the point of sale computing device and from the

Assignees

• Google Inc

Inventors

• Butler Iv Harry Lee

Classifications

• G06Q20/367 Primary

  involving electronic purses or money safes · CPC title

• G06Q20/3572

  Multiple accounts on card · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/209

  Specified transaction journal output feature, e.g. printed receipt or voice output · CPC title

• G06Q20/363 Primary

  with the personal data of a user · CPC title