System and method to enable a network of digital wallets

Patent metadata

Field	Value
Publication number	US-9799027-B2
Application number	US-201313746904-A
Country	US
Kind code	B2
Filing date	Jan 22, 2013
Priority date	Jan 19, 2012
Publication date	Oct 24, 2017
Grant date	Oct 24, 2017

Abstract

A method for authorizing a digital wallet transaction initiated by a consumer from a merchant web site or app includes providing an acceptance mark on a merchant landing page associated with the merchant web site or app for initiating the digital wallet transaction, the acceptance mark comprising a link to a host server accessing an acceptance network for authorizing payment, the acceptance network comprising a plurality of digital wallets. A wallet selector switch allows selection of a wallet, the transaction is routed to the selected wallet, a payment card and shipping address are selected and the transaction is redirected back to the merchant with purchase details for authorizing and completing the digital wallet transaction. The wallets can include federated and non-federated cobranded wallets and partner-hosted wallets. Direct provisioning with partner credentials and automatic update of consumer details is provided in a federated cobranded wallet.

First claim

What is claimed is:

1. A method for authorizing a digital wallet transaction initiated by a consumer from a merchant web site or app, the method comprising:
providing an acceptance mark on a merchant landing page associated with the merchant web site or app for initiating the digital wallet transaction, the acceptance mark comprising a link to a host server and the link, upon selection of the acceptance mark by the consumer, accessing an acceptance network for authorizing payment and providing access to a plurality of digital wallets of the consumer hosted by a wallet server, each of the plurality of digital wallets containing a plurality of payment cards associated with and being selectable by the consumer, and each of the plurality of digital wallets being selectable by the consumer;
receiving a selection by the consumer of the acceptance mark;
receiving a wallet selection by the consumer, the wallet selection selecting one of the plurality of digital wallets of the consumer in the acceptance network;
routing the digital wallet transaction to the digital wallet in the acceptance network selected by the consumer from the plurality of digital wallets of the consumer, the selected digital wallet capturing and validating log-in credentials provided by the consumer;
receiving a card selection by the consumer, the card selection selecting one of the plurality of payment cards in the selected digital wallet, the selected one of the plurality of payment cards having a shipping address associated therewith;
receiving, by the host server from the wallet server of the selected digital wallet, the digital wallet transaction with purchase details including the selected one of the plurality of payment cards and the associated shipping address;
storing, by the host server, details for completing the purchase based on the purchase details;
the host server generating a merchant postback URL associated with the merchant web site or app, an Access Token and a checkout resource URL associated with the selected digital wallet for retrieving the purchase details, the Access Token configured to provide access to the stored details; and
redirecting, by the host server, the digital wallet transaction directly back to the merchant web site or app using the postback merchant URL, the merchant web site or app obtaining the Access Token from the host server and sending the access token to the checkout resource URL to retrieve the stored details for authorizing and completing the digital wallet transaction.

2. The method of claim 1 , further comprising displaying an interstitial page comprising a wallet selector switch in response to the consumer selecting the acceptance mark, the consumer selecting the digital wallet from the plurality of digital wallets for the transaction using the wallet selector switch.

3. The method of claim 2 , further comprising associating a coupon or offer with each of the plurality of digital wallets and displaying the coupon or offer associated with one of the plurality of digital wallets displayed on the wallet selector switch.

4. The method of claim 3 , the displaying step comprising displaying the coupon or offer in response to the consumer hovering a pointer over the one of the plurality of digital wallets displayed.

5. The method of claim 4 , further comprising communicating the coupon or offer associated with the one of the plurality of digital wallets to the merchant web site or app prior to completing the digital wallet transaction, wherein the one of the plurality of digital wallets is the digital wallet selected from the plurality of digital wallets for the transaction.

6. The method of claim 2 , further comprising associating a status with each of the plurality of digital wallets and displaying a graphical indicator of the status on the wallet selector switch.

7. The method of claim 6 , wherein the status is an indicator of a capability to complete the transaction with the associated digital wallet, the indicator being associated with at least one of an amount of funds required for the transaction, a balance of available funds in the associated digital wallet, a class of merchant, a type of goods or services being purchased, an expiration of one or more cards associated with the digital wallet, and whether a prior transaction using the digital wallet had failed.

8. The method of claim 2 , further comprising providing a history toggle on the interstitial page, the history toggle providing access to the historical purchase data of a recognized consumer of the network of wallets, the historical purchase data including data associated with each payment card registered to the consumer within the acceptance network.

9. The method of claim 2 , wherein the selected digital wallet is a federated co-branded wallet, the interstitial page being displayed and hosted by the host server, the interstitial page comprising a wallet log-in menu, wherein the log-in credentials entered by the consumer in the log-in menu are captured and validated by a partner server against a partner database, the method comprising framing the log-in menu in a widget for accessing the partner server.

10. The method of claim 9 , further comprising federating the captured log-in credentials to the selected wallet in response to the consumer being recognized by the partner server as an authorized user of another partner-hosted product.

11. The method of claim 10 , further comprising the partner server sending a SAML token and provisioning details of payment cards and shipping addresses associated with the consumer to the federated co-branded wallet displayed on the host server in response to validating the log-in credentials.

12. The method of claim 11 , further comprising automatically creating a new digital wallet account associated with the federated co-branded wallet for the consumer using the captured log-in credentials in response to the consumer being recognized by the host server as an unregistered user of the acceptance network.

13. The method of claim 11 , wherein the consumer is a recognized user of the acceptance network, further comprising the partner server automatically updating the details of the payment cards in the federated co-branded wallet associated with the consumer in response to the consumer selecting the federated co-branded wallet for the transaction, the details including consumer contact information, payment cards, and shipping addresses.

14. The method of claim 1 , wherein the selected digital wallet is a default wallet, the default wallet being selected prior to the consumer selecting the acceptance mark, further comprising displaying an interstitial page associated with the default wallet in response to the consumer selecting the acceptance mark.

15. The method of claim 14 , wherein the consumer is a recognized user of the acceptance network, the default wallet corresponding to one of the plurality of digital wallets most recently accessed by the consumer.

16. The method of claim 14 , further comprising the consumer establishing a default payment card and a default shipping address associated with the default digital wallet prior to selecting the acceptance mark, and providing an express checkout button associated with the default wallet, the default payment card and the default shipping address being captured for the transaction in response to the consumer selecting the express checkout button.

17. The method of claim 1 , wherein the selected digital wallet is a partner-hosted wallet, the method further comprising storing, by the host server, the purchase details including the selec

Assignees

• Mastercard International Inc

Inventors

• Pasa Mehmet
• Friedman Michael J
• Ngnoumen Ngassam
• Martig Celine
• Rosenfield Shoshana C
• Subramanian Rupa
• Mangaru Zavida
• Cacioppo John F

Classifications

• G06Q20/363

  with the personal data of a user · CPC title

• G06Q20/105

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

• G06Q20/3674 Primary

  involving authentication · CPC title

• G06Q20/20

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

• G06Q20/367

  involving electronic purses or money safes · CPC title