# US 12,217,244 B2 · Systems and methods for executing ecommerce express checkout transactions

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- Number: US 12,217,244 B2
- Document ID: US12217244B2
- Status: Granted
- Kind: B2
- Application number: 17/106,689
- Filed: 2020-11-30
- Published: 2021-12-09
- Granted: 2025-02-04
- Earliest claimed: 2020-06-08
- Assignees: Skipify, Inc.
- Applicants: Skipify, Inc.
- Inventors: Ashleigh D. DePopas; Ian Hillis; Richard Scheffrin; Steven Walchek
- Web page: https://patentgrep.com/patent/US12217244B2

## CPC

- G06Q 20/3674: {involving authentication}
- G06F 3/0482: Interaction with lists of selectable items, e.g. menus
- G06Q 20/027: {involving a payment switch or gateway}
- G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer}
- G06Q 20/363: {with the personal data of a user}
- G06Q 20/367: {involving electronic purses or money safes}
- G06Q 20/3672: {initialising or reloading thereof}
- G06Q 20/38215: {Use of certificates or encrypted proofs of transaction rights}
- G06Q 20/3825: {Use of electronic signatures}
- G06Q 20/385: {using an alias or single-use codes}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/401: {Transaction verification}
- G06Q 20/4014: {Identity check for transactions}
- G06Q 20/409: {Device specific authentication in transaction processing}
- G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q 30/0233: {Method of redeeming a frequent usage reward}
- G06Q 30/0236: {Incentive or reward received by requiring registration or ID from user}
- G06Q 30/0601: Electronic shopping [e-shopping]
- G06Q 30/0641: {utilising user interfaces specially adapted for shopping}
- G06Q 40/03: Credit; Loans; Processing thereof
- H04L 63/0807: {using tickets, e.g. Kerberos (cryptographic mechanisms or cryptographic arrangements for entity authentication using tickets or tokens H04L9/3213)}
- H04L 63/0838: {using one-time-passwords}
- G06Q 30/0633: {Managing shopping lists, e.g. compiling or processing purchase lists (shipping orders G06Q10/083; order filling G06Q10/087)}
- H04L 2463/082: applying multi-factor authentication
- 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
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

Systems and methods are disclosed for executing an electronic transaction using a digital wallet. One method includes receiving an express checkout request and electronic transaction data from an electronic transaction browser. The digital wallet system may determine whether a user is enrolled in the digital wallet system. The digital wallet system may transmit a verification request to the electronic transaction browser upon determining the user is enrolled in the digital wallet system. The digital wallet system may receive a verification response from the electronic transaction browser. The digital wallet system may generate a graphical interface including predetermined user data. The digital wallet system may complete an electronic transaction based on the user response.

## Claims

### Claim 1

A method for performing an electronic transaction using a digital wallet, comprising:
receiving, from an electronic transaction browser, a selection to opt into or not to opt into a digital wallet express checkout;
receiving, from the electronic transaction browser, an express checkout request;
generating, by a digital wallet system, a first graphical interface including a first field to input electronic transaction data, a button to continue the express checkout and a second field to select a quest checkout, wherein the electronic transaction data includes user data;
determining, by the digital wallet system, whether a user is enrolled in the digital wallet system after receiving the electronic transaction data;
after receiving the express checkout request and upon determining the user is enrolled in the digital wallet system, wherein a digital wallet token corresponding to the user and a payment option selected by the user is generated in response to the user being enrolled in the digital wallet system and before performing a payment authorization:
transmitting, by the digital wallet system, a first verification request to the electronic transaction browser, wherein the first verification request includes a one-time password authentication request or a two-factor authentication request;
receiving, by the digital wallet system, a first verification response from the electronic transaction browser;
generating, by the digital wallet system, a second graphical interface including an order review and one or more method of payment options;
receiving, by the digital wallet system, a user response received on the second graphical interface, wherein the user response includes the payment option selected by the user;
retrieving, from the digital wallet system, the digital wallet token based on the user response;
receiving, by the digital wallet system, a merchant specific token based on the digital wallet token before performing the payment authorization; and
completing, by the digital wallet system, an electronic transaction based on the user response and the merchant specific token.

### Claim 2 (depends on 1)

The method of claim 1, further comprising:
after receiving the express checkout request and upon determining the user is not enrolled in the digital wallet system, initiating, by the digital wallet system, an enrollment process including:
transmitting, by the digital wallet system, a second verification request to the electronic transaction browser;
receiving, by the digital wallet system, a second verification response from the electronic transaction browser; and
creating, by the digital wallet system, a digital wallet account for the user.

### Claim 3 (depends on 1)

The method of claim 1, further comprising:
receiving a guest checkout request in order to process the electronic transaction.

### Claim 4 (depends on 1)

The method of claim 1, further comprising:
generating and displaying, by the digital wallet system, a plurality of transaction options for completing the electronic transaction.

### Claim 5 (depends on 4)

The method of claim 4, wherein the plurality of transaction options for completing the electronic transaction comprises payment by lending.

### Claim 6

A system comprising:
one or more computer readable media storing instructions for executing an electronic transaction using a digital wallet; and
one or more processors configured to execute the instructions to perform operations comprising:
receiving, from an electronic transaction browser, a selection to opt into or not to opt into a digital wallet express checkout;
receiving, from the electronic transaction browser, an express checkout request;
generating, by a digital wallet system, a first graphical interface including a first field to input electronic transaction data, a button to continue the express checkout and a second field to select a guest checkout, wherein the electronic transaction data includes user data;
determining, by the digital wallet system, whether a user is enrolled in the digital wallet system after receiving the electronic transaction data;
after receiving the express checkout request and upon determining the user is enrolled in the digital wallet system, wherein a digital wallet token corresponding to the user and a payment option selected by the user is generated in response to the user is enrolled in the digital wallet system and before performing a payment authorization;
transmitting, by the digital wallet system, a first verification request to the electronic transaction browser, wherein the verification request includes a one-time password authentication request or a two-factor authentication request;
receiving, by the digital wallet system, a first verification response from the electronic transaction browser;
generating, by the digital wallet system, a second graphical interface including an order review and one or more method of payment options;
receiving, by the digital wallet system, a user response received on the graphical interface, wherein the user response includes the payment option selected by the user;
retrieving, from the digital wallet system, the digital wallet token based on the user response;
receiving, by the digital wallet system, a merchant specific token based on the digital wallet token before performing the payment authorization; and
completing, by the digital wallet system, an electronic transaction based on the user response and the merchant specific token.

### Claim 7 (depends on 6)

The system of claim 6, further comprising:
after receiving the express checkout request and upon determining the user is not enrolled in the digital wallet system, initiating, by the digital wallet system, an enrollment process including:
transmitting, by the digital wallet system, a second verification request to the electronic transaction browser;
receiving, by the digital wallet system, a second verification response from the electronic transaction browser; and
creating, by the digital wallet system, a digital wallet account for the user.

### Claim 8 (depends on 6)

The system of claim 6, further comprising:
receiving a guest checkout request in order to process the electronic transaction.

### Claim 9 (depends on 6)

The system of claim 6, further comprising:
generating and displaying, by the digital wallet system, a plurality of transaction options for completing the electronic transaction.

### Claim 10 (depends on 9)

The system of claim 9, wherein the plurality of transaction options for completing the electronic transaction comprises payment by lending.

### Claim 11

A non-transitory computer-readable medium storing instructions for executing an electronic transaction using a digital wallet, the instructions, when executed by one or more processors, causing the one or more processors to perform operations comprising:
receiving, from an electronic transaction browser, a selection to opt into or not to opt into a digital wallet express checkout;
receiving, from the electronic transaction browser, an express checkout request;
generating, by a digital wallet system, a first graphical interface including a first field to input electronic transaction data, a button to continue the express checkout and a second field to select a guest checkout, wherein the electronic transaction data includes user data;
determining, by the digital wallet system, whether a user is enrolled in the digital wallet system after receiving the electronic transaction data;
after receiving the express checkout request and upon determining the user is enrolled in the digital wallet system, wherein a digital wallet token corresponding to the user and a payment option selected by the user is generated in response to the user is enrolled in the digital wallet system and before performing a payment authorization:
transmitting, by the digital wallet system, a first verification request to the electronic transaction browser, wherein the verification request includes a one-time password authentication request or a two-factor authentication request;
receiving, by the digital wallet system, a first verification response from the electronic transaction browser;
generating, by the digital wallet system, a second graphical interface including an order review and one or more method of payment options;
receiving, by the digital wallet system, a user response received on the graphical interface, wherein the user response includes the payment option selected by the user;
retrieving, from the digital wallet system, the digital wallet token based on the user response;
receiving, by the digital wallet system, a merchant specific token based on the digital wallet token before performing the payment authorization; and
completing, by the digital wallet system, an electronic transaction based on the user response and the merchant specific token.

### Claim 12 (depends on 11)

The non-transitory computer-readable medium of claim 11, after receiving the express checkout request and upon determining the user is not enrolled in the digital wallet system, initiating, by the digital wallet system, an enrollment process including:
transmitting, by the digital wallet system, a second verification request to the electronic transaction browser;
receiving, by the digital wallet system, a second verification response from the electronic transaction browser;
creating, by the digital wallet system, a digital wallet account for the user.

### Claim 13 (depends on 11)

The non-transitory computer-readable medium of claim 11, further comprising:
receiving a guest checkout request in order to process the electronic transaction.

### Claim 14 (depends on 11)

The non-transitory computer-readable medium of claim 11, the operations further comprising:
generating and displaying, by the digital wallet system, a plurality of transaction options for completing the electronic transaction,
wherein the plurality of transaction options for completing the electronic transaction comprises payment by lending.