Browser extension for client-side tokenized authentication

A system comprising:

• a client computing device:
• wherein the computing device comprises a processor and a memory;
• wherein the memory comprises a browser application environment;
• wherein the client computing device is configured to execute:
• installing a set of executable codes to the client computing device prior to an execution of an instance of a browser application;
• invoking, by the set of executable codes, functionalities in the browser application installed on the client device for interactions with the user, the invoked functionalities comprises displaying a graphical button disposed on a toolbar of the browser application;
• during the execution of the instance of the browser application, providing, by the set of executable codes, login prompts in a plurality of panels of the browser application to the user for logging into a virtual wallet account hosted by a server;
• during the execution of the instance of the browser application, defining a graphical user interface (GUI) in the plurality of panels in the browser application for displaying a list of products for purchase from merchants in response to a successful login to the virtual wallet account by the user;
• during the execution of the instance of the browser application and in response to a selection of the graphical button, defining a graphical element in the GUI in the plurality of panels in the browser application for directly purchasing, by the user, at least one provided product displayed in the GUI from one of the merchants;
• during the execution of the instance of the browser application, in response to receiving a selection of the provided graphical element, triggering a request for a payment token to the server;
• wherein the payment token is generated by the server in response to the request and associating the payment token with the virtual wallet account for payment to be embedded as a payment payload, said received selection including confirming detailed information of the purchase;
• during the execution of the instance of the browser application, receiving the generated payment token;
• during the execution of the instance of the browser application, embedding the generated payment token and the detailed information of the purchase in the payment payload;
• and
• during the execution of the instance of the browser application, transmitting the payment payload to the one of the merchants to complete the purchase.

A tangible non-transitory computer-readable medium having stored thereon computer-executable instructions executable by a processor of a client computing device, wherein the computer-executable instructions comprising:

• loading a set of executable codes from a server to the client computing device prior to the execution of an instance of a browser application installed on the client computing device;
• during the execution of the instance of the browser application, invoking, by the set of executable codes, functionalities in the client computing device for interactions with the user, the invoked functionalities comprises displaying a graphical button disposed on a toolbar of the browser application;
• during the execution of the instance of the browser application, providing, by the set of executable codes, login prompts to the user for logging into a virtual wallet account hosted by the server;
• during the execution of the instance of the browser application, after a successful login to the virtual wallet account by the user, actively sensing an audio trigger command and parameters associated with the trigger command;
• during the execution of the instance of the browser application, upon the audio trigger command being sensed, announcing audibly a list of products for purchase from merchants;
• during the execution of the instance of the browser application, actively sensing an audio identification of at least one of the list of products for purchase from one of the merchants;
• during the execution of the instance of the browser application, in response to the audio identification being sensed, triggering a request for a payment token from the server;
• wherein the payment token is generated by the server in response to the request and associating the payment token with the virtual wallet account for payment to be embedded as a payment payload, said audio identification including confirming detailed information of the purchase;
• during the execution of the instance of the browser application, receiving generated payment token;
• during the execution of the instance of the browser application, embedding the generated payment token and the detailed information of the purchase in the payment payload;
• and
• during the execution of the instance of the browser application, transmitting the payment payload to the one of the merchants to complete the purchase.