Digital wallet payment system and process

A computer-implemented method for carrying out a payment, the method being executed by at least one processor of a payment system, and including the operations of:

• receiving, from a merchant payment system associated with a merchant, a request for payment of a transaction amount from a customer;
• generating, in response to the reception of the request for payment, at a user device, display data representing an interactive graphical user interface for display to the customer, the interactive graphical user interface configured to display a plurality of identifiers including a first identifier of a first digital wallet, and a second identifier identifying one or more of a payment card of the customer or a second digital wallet of the customer;
• automatically transmitting customer authentication details to a digital wallet web service provider for authentication of the customer in response to a selection of the first digital wallet, wherein the customer authentication details are stored during a previous log-in to bypass re-entry of the customer authentication details;
• identifying, via the interactive graphical user interface at the user device, a first payment amount to be paid using the first digital wallet, wherein the first payment amount is to be paid in response to the request for payment;
• identifying, via the interactive graphical user interface, a second payment amount to be paid using the payment card or the second digital wallet, wherein the second payment amount is to be paid in response to the request for payment;
• initiating, via the interactive graphical user interface at the user device, payments of the first and second payment amounts to be paid to the merchant so that the first payment amount is paid from the first digital wallet and the second payment amount is paid from the payment card or the second digital wallet;
• automatically transmitting, to the merchant payment system, a response to the request for payment, the response representing that an entire payment of the transaction amount had been made using only the payment card or the second digital wallet of the customer, while bypassing indicating that the first digital wallet is used for the first payment amount, to process the payment of the transaction with an existing single payment protocol of a merchant server of the merchant payment system;
• and
• after the response is transmitted, automatically transmitting to the merchant payment system, that the first payment amount is to be paid from the first digital wallet, and the second payment amount is to be paid from the payment card or the second digital wallet.

A payment system comprising:

• at least one payment server including:
• at least one network interface;
• a memory;
• and
• at least one processor configured to effect a merchant payment transaction for a merchant payment amount from a customer to a merchant in response to a request for payment from a payment server of the merchant, wherein the at least one processor is configured to effect the merchant payment by:
• automatically transmitting customer authentication details to a digital wallet web service provider for authentication of the customer in response to a selection of a first digital wallet, wherein the customer authentication details are stored during a previous log-in to bypass re-entry of the customer authentication details:
• identifying a first payment amount to be paid using the first digital wallet, wherein the first payment amount is to be paid in response to the request for payment;
• identifying a second payment amount to be paid using a payment card or a second digital wallet, wherein the second payment amount is to be paid in response to the request for payment;
• automatically transmitting, to the payment server of the merchant, a response to the request for payment, the response representing that an entire payment of the merchant payment amount had been made using only the payment card or the second digital wallet, while bypassing indicating that the first digital wallet is used for the first payment amount, to process the payment of the transaction with an existing single payment protocol of the payment server of the merchant;
• and
• after the response is transmitted, automatically transmitting to the payment server of the merchant, that the first payment amount is to be paid from the first digital wallet, and the second payment amount is to be paid from the payment card or the second digital wallet.

A non-transitory computer readable storage medium embodying thereon a program of computer readable instructions which, when executed by one or more processors of at least one computer, cause the at least one computer to carry out a method for payment, the method comprising:

• receiving, from a merchant payment system associated with a merchant, a request for payment of a transaction amount from a customer;
• generating, in response to the reception of the request for payment, display data representing an interactive graphical user interface for display to the customer, the interactive graphical user interface configured to display a plurality of identifiers including a first identifier of a first digital wallet, and a second identifier identifying a payment card of the customer or a second digital wallet of the customer;
• automatically transmitting customer authentication details to a digital wallet web service provider for authentication of the customer in response to a selection of the first digital wallet, wherein the customer authentication details are stored during a previous log-in to bypass re-entry of the customer authentication details;
• identifying, via the interactive graphical user interface, a first payment amount to be paid using the first digital wallet, wherein the first payment amount is to be paid in response to the request for payment;
• identifying, via the interactive graphical user interface, a second payment amount to be paid using the payment card or the second digital wallet, wherein the second payment amount is to be paid in response to the request for payment;
• initiating, via the interactive graphical user interface, payments of the first and second payment amounts to be paid to the merchant so that the first payment amount is paid from the first digital wallet and the second payment amount is paid from the payment card or the second digital wallet;
• automatically transmitting, to the merchant payment system, a response to the request for payment, the response representing that an entire payment of the transaction amount had been made using only the payment card or the second digital wallet of the customer, while bypassing indicating that the first digital wallet is used for the first payment amount, to process the payment of the transaction with an existing single payment protocol of a merchant server of the merchant payment system;
• and
• after the response is transmitted, automatically transmitting to the merchant payment system, that the first payment amount is to be paid from the first digital wallet, and the second payment amount is to be paid from the payment card or the second digital wallet.