# US 10,504,107 B2 · System and method for mobile checkout > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,504,107 B2 - Document ID: US10504107B2 - Status: Granted - Kind: B2 - Application number: 15/063,099 - Filed: 2016-03-07 - Published: 2016-09-08 - Granted: 2019-12-10 - Earliest claimed: 2015-03-06 - Assignees: Mastercard International Incorporated - Applicants: MasterCard International Incorporated - Inventors: Todd Allan Healy; Stephanie Yim - Web page: https://patentgrep.com/patent/US10504107B2 ## CPC - G06Q 20/367: {involving electronic purses or money safes} - G06Q 20/326: {Payment applications installed on the mobile devices} - 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 Provided are a system and method for a mobile payment. In one example, the method may include determining an amount of digital wallets installed on a mobile device, and in response to determining that a plurality of digital wallets are installed on the mobile device, displaying a smart button on a merchant checkout page. When the smart button is selected by a user of the mobile device, the method may further include displaying a payment option selection screen that enables the user of the mobile device to select a payment card from any digital wallet from among the plurality of digital wallets as a method of payment for the transaction. ## Claims ### Claim 1 A mobile payment method comprising: receiving, from a central system, a list of valid digital wallets that are capable of being used by a mobile device to make a payment with a merchant; determining which valid digital wallets from the received list are locally installed on the mobile device; and in response to determining that a plurality of digital wallets are locally installed on the mobile device, displaying a smart button with a merchant checkout page, wherein when the smart button is selected by a user of the mobile device, the method further comprises displaying a payment option selection screen that enables the user to select a payment card associated with any digital wallet from among the plurality of digital wallets locally installed as a method of payment for the transaction, wherein the method further comprises receiving a selection of a payment card of a digital wallet from the user through the payment option selection screen, and in response to determining that the user of a mobile device is re-navigating to the merchant checkout page, further displaying a second smart button on the merchant checkout page which enables the user to bypass the payment option selection screen and make payment using the previously selected payment card of the digital wallet. ### Claim 2 (depends on 1) The mobile payment method of claim 1, wherein the merchant checkout page is provided by a merchant mobile application that is being executed by the mobile device, and the displaying comprises overlaying the payment option selection screen on top of the merchant checkout page. ### Claim 3 (depends on 1) The mobile payment method of claim 1, wherein the displayed payment option selection screen enables the user to select any payment card from any digital wallet from among the plurality of digital wallets as the method of payment for the transaction. ### Claim 4 (depends on 1) The mobile payment method of claim 1, wherein the payment option selection screen displays an identifier of each digital wallet and an identifier of each payment card within each digital wallet. ### Claim 5 (depends on 4) The mobile payment method of claim 4, wherein the identifier of each digital wallet comprises at least one of a name and a logo of an organization associated with the digital wallet. ### Claim 6 (depends on 1) The mobile payment method of claim 1, wherein each digital wallet is represented on the payment option screen as a graphical pane, and a graphical pane corresponding to a firstly displayed digital wallet partially overlaps a graphical pane corresponding to a secondly displayed digital wallet. ### Claim 7 (depends on 1) The mobile payment method of claim 1, wherein the displayed payment option selection screen displays an incentive available for at least one payment card within each digital wallet. ### Claim 8 A mobile device comprising: a display screen; a network interface configured to receive, from a central system, a list of valid digital wallets that are capable of being used by a mobile device to make a payment with a merchant; and a processor configured to determine which valid digital wallets from the received list are locally installed on the mobile device, and, in response to determining a plurality of digital wallets are locally installed on the mobile device, cause the display screen to display a smart button on the merchant checkout page, wherein, in response to the smart button being selected by the user, the processor is further configured to cause the display screen to display a payment option selection screen simultaneously displaying a representation of each digital wallet from among a plurality of digital wallets locally installed on the mobile device, and simultaneously displaying a user selectable representation of each payment card included in each respective digital wallet, the processor is further configured to receive a selection of a payment card of a digital wallet from the user through the payment option selection screen, and in response to determining that the user of a mobile device is re-navigating to the merchant checkout page, the processor is further configured to display a second smart button on the merchant checkout page which enables the user to bypass the payment option selection screen and make payment using the previously selected payment card of the digital wallet. ### Claim 9 (depends on 8) The mobile device of claim 8, wherein the merchant checkout page corresponds to a merchant mobile application being executed by the processor, and the payment option selection screen is displayed independently and on top of the merchant checkout page. ### Claim 10 (depends on 8) The mobile device of claim 8, wherein the displayed payment option selection screen enables the user to select any payment card from any digital wallet from among the plurality of digital wallets as a method of paying for a transaction on the merchant checkout page. ### Claim 11 (depends on 8) The mobile device of claim 8, wherein the displayed payment option selection screen further displays an identifier of each digital wallet and an identifier of each payment card within each digital wallet. ### Claim 12 (depends on 8) The mobile device of claim 8, wherein each digital wallet is represented on the payment option selection screen as a graphical pane, and a graphical pane corresponding to a firstly displayed digital wallet partially overlaps a graphical pane corresponding to a secondly displayed digital wallet. ### Claim 13 (depends on 8) The mobile device of claim 8, wherein the displayed payment option selection screen further displays an incentive available for at least one payment card within each digital wallet. ### Claim 14 A mobile payment method comprising: determining that a user of a mobile device is at or is navigating to a merchant checkout page on a display screen; determining that a plurality of digital wallets capable of being used for payment on the merchant checkout page are locally installed on the mobile device based on a list of valid digital wallets received from a central system; displaying a smart button on the merchant checkout page; and in response to the smart button being selected by the user, displaying a payment option selection screen simultaneously displaying a representation of each digital wallet from among a plurality of digital wallets locally installed on the mobile device, and simultaneously displaying a user selectable representation of each payment card included in each respective digital wallet, wherein the method further comprises receiving a selection of a payment card of a digital wallet from the user through the payment option selection screen, and in response to determining that the user of a mobile device is re-navigating to the merchant checkout page, further displaying a second smart button on the merchant checkout page which enables the user to bypass the payment option selection screen and make payment using the previously selected payment card of the digital wallet. ### Claim 15 (depends on 14) The mobile payment method of claim 14, wherein the merchant checkout page corresponds to a merchant mobile application being executed by the processor, and the payment option selection screen is displayed independently and on top of the merchant checkout page. ### Claim 16 (depends on 1) The mobile payment method of claim 1, wherein the displaying the payment option selection screen comprises simultaneously displaying independent representations of at least two digital wallets that are currently installed on the mobile device within a same viewing area. ### Claim 17 (depends on 16) The mobile payment method of claim 16, wherein the displaying the payment option selection screen further comprises displaying independent representations of respective payment cards provisioned within each of the at least two digital wallets within the same viewing area. ### Claim 18 (depends on 1) The mobile payment method of claim 1, wherein the determining comprises determining which valid digital wallets received from the list are installed within a mobile operating system of the mobile device.