US 11,704,653 B2
Methods and systems for enhancing online payment transaction experience
Asif Kadiwala, Vadodara (IN); and Harsh Tak, Sheoganj (IN)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Aug. 4, 2020, as Appl. No. 16/984,915.
Claims priority of application No. 10201908025R (SG), filed on Aug. 30, 2019.
Prior Publication US 2021/0065156 A1, Mar. 4, 2021
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/322 (2013.01) [G06Q 20/341 (2013.01); G06Q 20/363 (2013.01); G06Q 20/401 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
receiving, by a server system associated with a payment network, a tokenization request based on selecting a payment card of a plurality of payment cards of a user from a payment application running on a user device for processing an online payment transaction using the selected payment card at a merchant payment interface on the user device, wherein the tokenization request at least comprises a card information of the selected payment card;
facilitating, by the server system, generation of a digital token comprising a tokenized card information of the selected payment card; and
provisioning, by the server system, the digital token as an image in a floating widget for display at the merchant payment interface on the user device, wherein the floating widget remains visible after switching to the merchant payment interface and enables the user to manually enter the digital token at the merchant payment interface for processing the online payment transaction,
wherein a screenshot of the floating widget is disabled while the token as an image is displayed to prevent copying of the token; and
wherein the floating widget is automatically closed based on one or more of detecting an inactivity for a predetermined time-period on the merchant payment interface or detecting switching of the merchant payment interface by an application other than the payment application running on the user device.