System and method for providing a payment handler API and a browser payment request API for processing a payment

Patent metadata

Field	Value
Publication number	US-9922381-B2
Application number	US-201715602868-A
Country	US
Kind code	B2
Filing date	May 23, 2017
Priority date	Mar 31, 2014
Publication date	Mar 20, 2018
Grant date	Mar 20, 2018

Abstract

Disclosed is an approach for coordinating via two browser APIs with a payment service. The method includes receiving input from a user indicating a desire to purchase a product from a merchant site, and receiving, based on the input, at a browser and via a first API between the browser and the merchant site, a payment request from the merchant site for payment data. In response to the payment request, the method includes communicating, from the browser and via a second API between the browser and the payment service, a payment request event to the payment service, wherein the payment service can process a payment for the product. The method includes receiving, at the browser and from the payment service and via the second API, a confirmation of the payment and communicating, from the browser and via the first API to the merchant site, the confirmation.

First claim

We claim:

1. A method comprising:
receiving input from a user indicating a desire to purchase a product from a site to yield a potential purchase;
receiving, from the site, based on the input, at a browser and via a first application programming interface that defines a first protocol for communicating data between the browser and the site, a payment request associated with the potential purchase, wherein the payment request comprises information about the potential purchase and a set of choices of payment methods supported by the site;
receiving, from the user and via the first application programming interface, a choice of a payment service from the set of choices of payment methods supported by the site;
in response to the payment request and the choice of the payment service, communicating, from the browser and via a second application programming interface that defines a second protocol for communicating data between the browser and the payment service, a payment request event to the payment service;
receiving, at the browser, from the payment service, based on the payment request event being handled by the payment service and via the second application programming interface, authorized payment information; and
communicating, from the browser, to the site and via the first application programming interface, the authorized payment information.

2. The method of claim 1 , wherein the authorized payment information comprises authorized payment data that enables the site to process a payment.

3. The method of claim 1 , wherein the authorized payment information comprises a confirmation that the payment service processed a payment.

4. The method of claim 1 , wherein the payment request further comprises a request for an address of the user.

5. The method of claim 4 , further comprising, based on the payment request, transmitting from the browser and through the first application programming interface, the address of the user to the site for use in delivering the product to the user.

6. The method of claim 1 , wherein the browser coordinates use of the first application programming interface and the second application programming interface to obtain the authorized payment information that is communicated to the site.

7. The method of claim 1 , wherein the second application programming interface comprises a payment handler application programming interface.

8. 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:
receiving input from a user indicating a desire to purchase a product from a site to yield a potential purchase;
receiving, from the site, based on the input, at a browser and via a first application programming interface that defines a first protocol for communicating data between the browser and the site, a payment request associated with the potential purchase, wherein the payment request comprises information about the potential purchase and a set of choices of payment methods supported by the site;
receiving, from the user and via the first application programming interface, a choice of a payment service from the set of choices of payment methods supported by the site;
in response to the payment request and the choice of the payment service, communicating, from the browser and via a second application programming interface that defines a second protocol for communicating data between the browser and the payment service, a payment request event to the payment service;
receiving, at the browser, from the payment service, based on the payment request event being handled by the payment service and via the second application programming interface, authorized payment information; and
communicating, to the site, from the browser and via the first application programming interface, the authorized payment information.

9. The system of claim 8 , wherein the authorized payment information comprises authorized payment data that enables the site to process a payment.

10. The system of claim 8 , wherein the authorized payment information comprises a confirmation that the payment service processed a payment.

11. The system of claim 8 , wherein the payment request further comprises a request for an address of the user.

12. The system of claim 11 , wherein the computer-readable storage device stores further instructions which, when executed by the processor, cause the processor to perform further operations comprising, based on the payment request, transmitting from the browser and through the first application programming interface, the address of the user to the site for use in delivering a product to the user.

13. The system of claim 8 , wherein the browser coordinates use of the first application programming interface and the second application programming interface to obtain the authorized payment information that is communicated to the site.

14. The system of claim 8 , wherein the second application programming interface comprises a payment handler application programming interface.

15. A method comprising:
receiving a payment request event at a payment service, wherein receiving the payment request event at the payment service is based on:
input from a user indicating a desire to purchase a product from a site to yield a potential purchase;
a browser receiving, via a first application programming interface that defines a first protocol for communicating data between the browser and the site, a payment request from the site for payment data associated with a purchase of the product, wherein the payment request comprises information about the potential purchase and a set of choices of payment methods supported by the site; and
receiving, from the user and via the first application programming interface, a choice of the payment service from the set of choices of payment methods supported by the site, wherein the payment request event is received from the browser and via a second application programming interface that defines a second protocol for communicating data between the browser and the payment service;

processing, at the payment service, the payment request event to yield authorized payment information; and
transmitting, to the browser, from the payment service and via the second application programming interface, the authorized payment information, wherein the browser communicates, via the first application programming interface and to the site, the authorized payment information.

16. The method of claim 15 , wherein the authorized payment information comprises authorized payment data that enables the site to process a payment.

17. The method of claim 15 , wherein the authorized payment information comprises a confirmation that the payment service processed a payment.

18. The method of claim 1 , wherein the payment request further comprises a request for an address of the user.

19. The method of claim 18 , further comprising, based on the payment request, transmitting from the browser and through the first application programming interface, the address of the user to the site for use in delivering the product to the user.

20. A method comprising:
transmitting input from a user indicating a desire to purchase a product from a site to yield a potential purchase;
transmitting, based on the input from the user, from a site, to a browser and via a first application programming interface that defines a first protocol for communicating data between the browser and the

Assignees

• Monticello Entpr Llc

Inventors

• Isaacson Thomas M
• Durham Ryan Connell

Classifications

• G06Q20/356

  Aspects of software for card payments · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G07G1/0009

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

• G06Q10/40 Primary

  Business processes related to social networking or social networking services · CPC title

• G06Q30/0625

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