# US 10,318,941 B2 · Payment platform interface widget generation apparatuses, methods and systems

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- Number: US 10,318,941 B2
- Document ID: US10318941B2
- Status: Granted
- Kind: B2
- Application number: 13/966,098
- Filed: 2013-08-13
- Published: 2014-02-20
- Granted: 2019-06-11
- Earliest claimed: 2011-12-13
- Assignees: Visa International Service Association
- Applicants: Visa International Service Association
- Inventors: Pawan Chawla; Manav Gupta
- Web page: https://patentgrep.com/patent/US10318941B2

## CPC

- G06Q 20/12: specially adapted for electronic shopping systems
- G06Q 10/10: Office automation; Time management
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/384: {using social networks}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

The PAYMENT PLATFORM INTERFACE WIDGET GENERATION APPARATUSES, METHODS AND SYSTEMS (“API-Tool”) transforms developer credentials, codes and parameter inputs via the API-Tool component into buy widgets, payment acceptance and purchase transaction outputs. In one embodiment, the API-Tool may facilitate obtaining a plurality of authentication parameters and widget customization parameters. The API-Tool may authenticate a user using a parameter derived from the plurality of authentication parameters and may dynamically generate a purchase widget for the authenticated user using the plurality of widget customization parameters.

## Claims

### Claim 1

A cross-merchant applicable user interface widget generation and integration apparatus, comprising:
a memory;
a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to:
receive a user interface widget generation request for a cross-merchant applicable user interface widget;
in response to receiving the user interface widget generation request, provide a widget generation user interface including a list of cross-merchant applicable widget categories and a cross-merchant applicable widget parameter input element;
wherein the cross-merchant applicable widget parameter input element includes a digital signature input element;
receive a cross-merchant applicable widget category selection via the widget generation user interface;
retrieve required widget parameters associated with the cross-merchant applicable widget category selection;
provide data input fields for the required widget parameters via the cross-merchant applicable widget parameter input element;
receive widget parameter values via the data input fields;
query for a structured interface widget template based on the widget parameters;
populate the received widget parameter values into the structured interface widget template;
generate a segment of cross-merchant applicable widget interface launch code;
obtain digital signature parameters via the digital signature input element;
generate a signature element based on the digital signature parameters and incorporate the signature element into the cross-merchant applicable widget interface launch code, wherein the signature element facilitates a merchant to digitally sign an API request;
provide the segment of cross-merchant applicable widget interface launch code to a requester for incorporation into a web page;
provide the segment of cross-merchant applicable widget interface launch code for incorporation into a memory of a device from which the user interface widget generation request was received;
execute the segment of cross-merchant applicable widget interface launch code to present a new user interface function associated with an interaction of the device and the merchant, wherein the new user interface function supports interaction with the merchant without leaving a current page on the device from which the request was received, the current page being a social media page.

### Claim 2 (depends on 1)

The apparatus of claim 1, wherein the cross-merchant applicable user interface widget includes an actionable web page item.

### Claim 3 (depends on 1)

The apparatus of claim 1, wherein the cross-merchant applicable user interface widget includes any of a light box, a button, a drop-down menu, and pop-up dialogue box.

### Claim 4 (depends on 1)

The apparatus of claim 1, wherein the user interface widget generation request is received upon a user providing an access ID.

### Claim 5 (depends on 1)

The apparatus of claim 1, wherein the cross-merchant applicable user interface widget provides an application programming interface (API).

### Claim 6 (depends on 1)

The apparatus of claim 1, wherein the list of cross-merchant applicable widget categories comprises any of user profile APIs, user subscription APIs, subscription APIs, virtual wallet APIs, checkout and order APIs, catalog APIs, coupon APIs, shopping cart APIs, and payment profile APIs.

### Claim 7 (depends on 1)

The apparatus of claim 1, wherein the widget parameter input element converts the widget parameter values into a structured language format.

### Claim 8 (depends on 7)

The apparatus of claim 7, wherein the structured language format includes any of JSON and eXtensible Markup Language (XML).

### Claim 9 (depends on 1)

The apparatus of claim 1, wherein the required widget parameters associated with a checkout and order API includes any of a login ID, a catalog ID, a vendor ID, a SKU number, and a currency type.

### Claim 10 (depends on 1)

The apparatus of claim 1, wherein the required widget parameters associated with a user profile API includes any of a user ID and a partner ID.

### Claim 11 (depends on 1)

The apparatus of claim 1, wherein the processor further issues instructions to:
receive the API request from a merchant site; and
determine the API request is digitally signed.

### Claim 12 (depends on 1)

The apparatus of claim 1, wherein the processor further issues instructions to:
provide a graphic preview of the cross-merchant applicable user interface widget via the widget generation user interface;
receive a modification of widget parameters via the cross-merchant applicable widget parameter input element; and
generate a modified graphic preview of the cross-merchant applicable user interface widget based on the modification of widget parameters.

### Claim 13 (depends on 1)

The apparatus of claim 1, wherein the cross-merchant applicable user interface widget provides a cost of a transaction, including any of a price of an item, shipping cost, handling cost, and additional charges.

### Claim 14

A cross-merchant applicable user interface widget generation and integration storage non-transitory medium storing processor-executable instructions executable by a processor to:
receive a user interface widget generation request for a cross-merchant applicable user interface widget;
in response to receiving the user interface widget generation request, provide a cross-merchant applicable widget generation user interface including a list of cross-merchant applicable widget categories and a cross-merchant applicable widget parameter input element;
wherein the cross-merchant applicable widget parameter input element includes a digital signature input element;
receive a cross-merchant applicable widget category selection via the cross-merchant applicable widget generation user interface;
retrieve required widget parameters associated with the cross-merchant applicable widget category selection;
provide data input fields for the required widget parameters via the widget parameter input element wherein the required widget parameters associated with a checkout and order API includes any of a login ID, a catalog ID, a vendor ID, a SKU number, and a currency type and further wherein the required widget parameters associated with a checkout and order API includes any of a login ID, a catalog ID, a vendor ID, a SKU number, and a currency type;
receive widget parameter values via the data input fields;
query for a structured interface widget template based on the widget parameters;
populate the received widget parameter values into the structured interface widget template;
generate a segment of cross-merchant applicable widget interface launch code;
obtain digital signature parameters via the digital signature input element;
generate a signature element based on the digital signature parameters and incorporate the signature element into the cross-merchant applicable widget interface launch code, wherein the signature element facilitates a merchant to digitally sign an API request; and
provide the segment of cross-merchant applicable widget interface launch code to a requester for incorporation into a web page, wherein the web page is a social media page and the segment of cross-merchant applicable widget interface launch code supports interaction with the merchant.

### Claim 15

A cross-merchant applicable user interface widget generation and integration processor-implemented method, comprising:
receiving a user interface widget generation request for a cross-merchant applicable user interface widget;
in response to receiving the user interface widget generation request, providing a cross-merchant applicable widget generation user interface including a list of cross-merchant applicable widget categories and a cross-merchant applicable widget parameter input element;
wherein the cross-merchant applicable widget parameter input element includes a digital signature input element;
receiving a cross-merchant applicable widget category selection via the cross-merchant applicable widget generation user interface;
retrieving required widget parameters associated with the cross-merchant applicable widget category selection;
providing data input fields for the required widget parameters via the cross-merchant applicable widget parameter input element;
receiving widget parameter values via the data input fields;
querying for a structured interface widget template based on the widget parameters;
populating the received widget parameter values into the structured interface widget template;
generating a segment of cross-merchant applicable widget interface launch code;
obtain digital signature parameters via the digital signature input element;
generate a signature element based on the digital signature parameters and incorporate the signature element into the cross-merchant applicable widget interface launch code, wherein the signature element facilitates a merchant to digitally sign an API request; and
providing the segment of cross-merchant applicable widget interface launch code to a requester for incorporation into a web page, wherein the web page is a social media page and the segment of cross-merchant applicable widget interface launch code supports interaction with the merchant.