US 11,775,672 B1Granted

Trust-based application to application connectivity

AssigneeWells Fargo Bank, N.A.

InventorsSudheendranath R. Bhatt, Ramanathan Ramanathan, Rahul N. Jain, Pradeep R. Kumar, Rameshchandra Bhaskar Ketharaju, Sai Krishna Madavi Chitta

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Abstract

The innovation discloses systems, methods and computer program products that reduce complexity and associated measures that are taken to ensure trust in secured transactions as necessitated by requirements present only in an ecommerce environment that do not have a parallel with traditional bricks and mortar commercial transactions. The innovation enables a multitude of mobile wallet applications to engage and obtain services from ecommerce applications wherein backend processing by a mobile wallet server obtains and delivers funds to ecommerce applications without sharing a subset of sensitive data, associated with a mobile wallet application user for the secured transactions.

Claims18

Dependent claims

A method of enabling a secured transaction between a first computing device and an ecommerce application among a plurality of ecommerce applications of the first computing device, the method comprising:

engaging, by the first computing device, the ecommerce application that has been registered with one or more mobile wallet applications of the first computing device;
receiving, by the first computing device, a payment request from the ecommerce application;
determining, by an Operating System Extension (OSE) of the first computing device and based on a set of rules associated with the one or more mobile wallet applications, a master mobile wallet application for processing the payment request from the ecommerce application, wherein the set of rules comprises mappings of the one or more mobile wallet applications to the plurality of ecommerce applications, and wherein a mobile wallet application, among the one or more mobile wallet applications, that is mapped to the ecommerce application in the set of rules is selected as the master mobile wallet application;
sending, by the OSE, upon verifying at least a subset of rules associated with the ecommerce application, through the master mobile wallet application, at least the payment request to a mobile wallet server associated with the master mobile wallet application;
receiving, by the OSE through the master mobile wallet application and from the mobile wallet server, a payment confirmation message along with a payment confirmation token, the payment confirmation token indicating a verification of available funds by the mobile wallet server;
sending, by the OSE and to the ecommerce application, (i) the payment confirmation message (ii) the payment confirmation token and (iii) limited permission, based at least on the set of rules, for the ecommerce application to partially complete a provisioning of a product or service related to the payment request to the ecommerce application;
and
upon the partial completion of the provisioning of the product or service related to the payment request:
receiving, by the OSE, a payment authorization request from the ecommerce application;
forwarding, by the OSE, through the master mobile wallet application, to the mobile wallet server, the payment authorization request;
backend processing that obtains funds, by the mobile wallet server, without sharing sensitive data of a user associated with the master mobile wallet application with the ecommerce application for the secured transaction;
receiving, by the OSE through the master mobile wallet application, funds;
and
resolving payment, by the OSE through the master mobile wallet application, with the ecommerce application.

11 more elements

A system for enabling a secured transaction, the system comprising a plurality of user devices, wherein a first user device of the plurality of user devices comprises:

one or more mobile wallet applications associated with a mobile wallet server, wherein the mobile wallet server controls backend processing of the secured transaction,
an ecommerce application, among a plurality of ecommerce applications, that is registered with the one or more mobile wallet applications, where the ecommerce application, upon being engaged by the first user device, provides a payment request,
a secure zone that stores predetermined rules and mappings of the one or more mobile wallet applications and the ecommerce application, and
an OSE that is configured to enable the secured transaction between the first user device and the ecommerce application without sharing a subset of sensitive financial data of a user associated with the one or more mobile wallet applications to the ecommerce application,
wherein the OSE enables:
receiving the payment request;
determining a master mobile wallet application of the one or more mobile wallet applications for processing the payment request upon verifying the predetermined rules and mappings located in the secure zone, wherein the predetermined rules and mappings comprise mappings of the one or more mobile wallet applications to the plurality of ecommerce applications, and wherein a mobile wallet application, among the one or more mobile wallet applications, that is mapped to the ecommerce application in predetermined rules and mappings is selected as the master mobile wallet application;
sending the payment request along with payment details to the master mobile wallet application upon the determination;
initiating an interaction between the master mobile wallet application and the mobile wallet server, wherein the mobile wallet server generates and sends a payment confirmation message and a payment confirmation token to the master mobile wallet application;
receiving the payment confirmation token and the payment confirmation message from the master mobile wallet application, the payment confirmation token indicating a verification of available funds by the mobile wallet server;
sending (i) the payment confirmation message, (ii) the payment confirmation token, and (iii) limited permission, based at least on the predetermined rules, for the ecommerce application to partially complete a provisioning of a product or service related to the payment request to the ecommerce application, wherein the payment confirmation token permits the ecommerce application to partially process a goods or service offering associated with the payment request;
receiving, from the ecommerce application and in response to the payment confirmation message, a payment authorization request;
receiving, from the master mobile wallet application, a payment authorization token;
and
reconciling the payment authorization token received from the master mobile wallet application with the payment authorization request received from the ecommerce application, the reconciliation permitting a funds transfer from the master mobile wallet application to the ecommerce application without sharing the subset of sensitive financial data to the ecommerce application.

12 more elements

Dependencies are inferred from the claim text.