# US 2023/0274341 A1 · Browser extension for client-side tokenized authentication

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 2023/0274341 A1
- Document ID: US20230274341A1
- Status: Published application
- Kind: A1
- Application number: 18/314,625
- Filed: 2023-05-09
- Published: 2023-08-31
- Earliest claimed: 2017-01-27
- Assignees: Visa International Service Association
- Applicants: Visa International Service Association
- Inventors: Aparna GIRISH; Parveen BANSAL
- Web page: https://patentgrep.com/patent/US20230274341A1

## CPC

- G06Q 20/36: using electronic wallets or electronic money safes
- G06Q 30/0643: {graphically representing goods, e.g. 3D product representation}
- G06F 3/167: {Audio in a user interface, e.g. using voice commands for navigating, audio feedback}
- G06Q 20/12: specially adapted for electronic shopping systems
- G06Q 20/3674: {involving authentication}
- G06Q 20/385: {using an alias or single-use codes}
- 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)

## Abstract

A direct payment token generation method provides executable codes to a client device. The executable codes invokes functionalities in a browser application. The set of executable codes further provides login prompts to the user for logging to a virtual wallet account. The method provides a list of products for purchase from merchants in response to a successful login to the virtual wallet account. A graphical element is provided for purchasing one provided product from one of the merchants. In response to receiving a selection of the provided graphical element confirming the purchase, a payment token is generated for the virtual wallet account. The received selection includes confirming detailed information of the purchase. The payment token is transmitted to the client device and is embedded in a payment payload with the detailed information of the purchase. The payment load is transmitted to the one of the merchants to complete the purchase.

## Claims

### Claim at position 1

-20. (canceled)

### Claim 21

A computer-implemented method comprising:
loading a set of executable codes to a computer device prior to an execution of an instance of a browser application on the computer device;
during the execution of the instance of the browser application, providing, by the set of executable codes, on a toolbar of the browser application, a graphical indicator of functionalities for interactions with a user of the computer device;
during the execution of the instance of the browser application, providing, by the set of executable codes, a list of products for purchase based on a successful login by the user to a virtual wallet account hosted on a server;
during the execution of the instance of the browser application, triggering a request for a payment token to the server based on a selection by the user to purchase at least one of the products; and
during the execution of the instance of the browser application, receiving the payment token from the server, wherein the payment token is associated with the virtual wallet account for payment to be embedded as a payment payload.

### Claim 22 (depends on 21)

The computer-implemented method of claim 21, further comprising embedding, during the execution of the instance of the browser application, the payment token and detailed information of the purchase in the payment payload.

### Claim 23 (depends on 22)

The computer-implemented method of claim 22, further comprising transmitting, during the execution of the instance of the browser application, the payment payload to a merchant associated with the products to complete the purchase.

### Claim 24 (depends on 22)

The computer-implemented method of claim 22, wherein the graphical indicator of the functionalities comprises a graphical button.

### Claim 25 (depends on 24)

The computer-implemented method of claim 24, further comprising triggering an execution of a graphical user interface (GUI) element on the browser application, in response to selecting the graphical button.

### Claim 26 (depends on 25)

The computer-implemented method of claim 25, wherein the GUI element is configured to organize the products by categories.

### Claim 27 (depends on 26)

The computer-implemented method of claim 26, further comprising triggering an execution of a second GUI element on the browser application, in response to selecting one of the categories, wherein the second GUI element comprises a window that shows details associated with one of the products.

### Claim 28 (depends on 24)

The computer-implemented method of claim 24, further comprising prompting the user to login to the virtual wallet account, in response to selecting the graphical button.

### Claim 29

A computer-implemented method, comprising:
installing a browser extension for use with a browser application of a computer device;
during an execution of an instance of the browser application, providing on the browser application, by the browser extension, a graphical indicator of functionalities for interactions with a user of the computer device;
during the execution of the instance of the browser application, providing, by the browser extension, a list of products for purchase based on a successful login by the user to a virtual wallet account hosted on a server;
during the instance of the browser application, triggering a request for a payment token to the server based on a selection by the user to purchase at least one of the products; and
during the execution of the instance of the browser application, receiving the payment token from the server, wherein the payment token is associated with the virtual wallet account by the server for payment to be embedded as a payment payload.

### Claim 30 (depends on 29)

The computer-implemented method of claim 29, further comprising embedding, during the execution of the instance of the browser application, the payment token and detailed information of the purchase in the payment payload.

### Claim 31 (depends on 30)

The computer-implemented method of claim 30, further comprising transmitting, during the execution of the instance of the browser application, the payment payload to a merchant associated with the products to complete the purchase.

### Claim 32 (depends on 30)

The computer-implemented method of claim 30, wherein the graphical indicator of the functionalities comprises a graphical button.

### Claim 33 (depends on 32)

The computer-implemented method of claim 32, further comprising triggering an execution of a graphical user interface (GUI) element on the browser application, based on selecting the graphical button.

### Claim 34 (depends on 33)

The computer-implemented method of claim 33, wherein the GUI element is configured to organize the products by categories.

### Claim 35 (depends on 34)

The computer-implemented method of claim 34, further comprising triggering an execution of a second GUI element on the browser application, based on selecting one of the categories, wherein the second GUI element comprises a window that shows details associated with one of the products.

### Claim 36 (depends on 34)

The computer-implemented method of claim 34, further comprising prompting the user to login to the virtual wallet account, in response to selecting the graphical button.

### Claim 37

A computer-implemented method comprising:
installing a set of executable codes to a computer device for an execution within a browser execution environment on the computer device;
within the browser execution environment, providing, by the set of executable codes, a graphical representation of functionalities for interactions with a user of the computer device;
within the browser execution environment, providing, by the set of executable codes, a list of products for purchase based on a successful login by the user to a virtual wallet account hosted on a server;
within the browser execution environment, triggering a request for a payment token to the server based on a selection by the user to purchase at least one of the products; and
within the browser execution environment, receiving the payment token from the server, wherein the payment token is associated with the virtual wallet account by the server for payment to be embedded as a payment payload.

### Claim 38 (depends on 27)

The computer-implemented method of claim 27, further comprising embedding, within the browser execution environment, the payment token and detailed information of the purchase in the payment payload.

### Claim 39 (depends on 28)

The computer-implemented method of claim 28, further comprising transmitting the payment payload to a merchant associated with the products to complete the purchase.

### Claim 40 (depends on 27)

The computer-implemented method of claim 27, further comprising prompting, within the browser execution environment, the user to login to the virtual wallet account.