System and method for making electronic payments from a wireless mobile device

Patent metadata

Field	Value
Publication number	US-9390413-B2
Application number	US-201113249762-A
Country	US
Kind code	B2
Filing date	Sep 30, 2011
Priority date	Mar 14, 2008
Publication date	Jul 12, 2016
Grant date	Jul 12, 2016

Abstract

An electronic device, system and method are provided for populating an online payment form. An electronic wallet resident on an electronic device stores data for at least one payment card. A transcoding proxy receives an online payment form from a website of an online vendor, and the electronic wallet is invoked to access data for one of the payment cards. The data is provided to the transcoding proxy, which populates the online payment form. One of the payment cards may be pre-selected for use with a given vendor.

First claim

The invention claimed is:

1. An electronic device, comprising:
an electronic wallet registered as a browser plug-in for a custom content type in an Internet browser;
a memory, in communication with said electronic wallet, for storing data for at least one payment card;
a communication subsystem; and
a processor in communication with said electronic wallet, memory and communication subsystem, the processor being configured to:
execute operations of a transcoding proxy to process an online payment form received from a website of an online vendor via the communication subsystem and to invoke the electronic wallet for accessing, from the memory, data for a selected one of the at least one payment card, the transcoding proxy configured to obtain said data from the electronic wallet; and
execute operations of the transcoding proxy to convert display of the online payment form into a user interface control, to receive a designation of the selected one of the at least one payment card in the user interface control, and to populate the online payment form with said data, the user interface control configured to allow a user to conduct a purchase with the online payment form.

2. The electronic device of claim 1 , further comprising a wallet security module in communication with the processor, the wallet security module configured to authorize access to the electronic wallet prior to the transcoding proxy obtaining said data.

3. The electronic device of claim 1 , wherein the designation confirms a pre-selection of said selected one of the at least one payment card for use with said online vendor.

4. The electronic device of claim 1 , wherein the designation confirms a pre-selection of said selected one of the at least one payment card for use with said website.

5. The electronic device of claim 1 , wherein the transcoding proxy invokes the electronic wallet by invoking an application received by the transcoding proxy.

6. The electronic device of claim 5 , wherein the application comprises a web application.

7. The electronic device of claim 5 , wherein the processor is further configured to receive instructions embedded in a webpage received from said website to invoke execution of the application.

8. The electronic device of claim 1 , wherein the electronic wallet is invoked upon selection of a menu option for payment using the electronic wallet.

9. The electronic device of claim 1 , wherein the processor is further configured to transmit the online payment form thus populated to the website.

10. A method, comprising:
a wallet security module authorizing controlled access to an electronic wallet of a wireless mobile device by a user inputting at least one of an electronic serial number of the wireless mobile device and a product identification number of the wireless mobile device into the wireless mobile device, and subsequent to authorizing:
a transcoding proxy processing an online payment form received from a website of an online vendor;
the transcoding proxy invoking the electronic wallet for accessing data stored for a selected one of at least one payment card, the data for the at least one payment card being stored in a memory of the wireless mobile device;
the transcoding proxy obtaining said data for the selected one of the at least one payment card from the electronic wallet;
the transcoding proxy receiving a designation from a user interface control;
the transcoding proxy, in response to receiving the designation, populating said data in said online payment form for the selected one of the at least one payment card; and
the transcoding proxy converting display of the online payment form into the user interface control, the user interface control configured to allow a user to conduct a purchase with the online payment form.

11. The method of claim 10 , further comprising storing the at least one payment card in the electronic wallet.

12. The method of claim 10 , wherein the wallet security module authorizes access to the electronic wallet prior to the transcoding proxy obtaining said data.

13. The method of claim 10 , wherein the designation confirms a pre-selection of said selected one of the at least one payment card for use with said online vendor.

14. The method of claim 10 , wherein the designation confirms a pre-selection of said selected one of the at least one payment card for use with said website.

15. The method of claim 10 , wherein invoking the electronic wallet comprises invoking an application received by the transcoding proxy.

16. The method of claim 15 , wherein the application comprises a web application.

17. The method of claim 15 , wherein the application is invoked in response to instructions embedded in a webpage received from said website.

18. The method of claim 10 , wherein the electronic wallet is invoked upon selection of a menu option for payment using the electronic wallet.

19. The method of claim 10 , further comprising transmitting the online payment form thus populated to the website.

20. A computer program product comprising a non-transitory computer readable medium bearing code which, when executed by one or more processors of a device, causes said device to carry out the method of:
a wallet security module on said device authorizing controlled access to an electronic wallet on said device using at least one of an electronic serial number of said device and a product identification number of said device;
a transcoding proxy executing on said device processing an online payment form received from a website of an online vendor;
the transcoding proxy invoking the electronic wallet for accessing data stored for a selected one of at least one payment card, the at least one payment card being stored in an electronic wallet in a memory of an electronic device;
the transcoding proxy obtaining said data for the selected one of the at least one payment card from the electronic wallet;
the transcoding proxy receiving a designation from a user interface control;
the transcoding proxy, in response to receiving the designation, populating said data in said online payment form for the selected one of the at least one payment card; and
the transcoding proxy converting display of the online payment form into the user interface control, the user interface control configured to allow a user to conduct a purchase with the online payment form.

Assignees

• Castell David
• Chan Eric
• Blackberry Ltd

Inventors

• Castell David
• Chan Eric

Classifications

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/105

  involving programming of a portable memory device, e.g. IC cards, "electronic purses" · CPC title

• G06Q20/363

  with the personal data of a user · CPC title

• G06Q20/3572

  Multiple accounts on card · CPC title

• G06Q20/3229 Primary

  Use of the SIM of a M-device as secure element · CPC title