US 12,217,244 B2
Systems and methods for executing ecommerce express checkout transactions
Ashleigh D. DePopas, Denver, CO (US); Ian Hillis, Denver, CO (US); Richard Scheffrin, Georgetown, TX (US); and Steven Walchek, Denver, CO (US)
Assigned to SKIPIFY, INC., San Mateo, CA (US)
Filed by SKIPIFY, INC., San Mateo, CA (US)
Filed on Nov. 30, 2020, as Appl. No. 17/106,689.
Claims priority of provisional application 62/705,037, filed on Jun. 8, 2020.
Prior Publication US 2021/0383366 A1, Dec. 9, 2021
Int. Cl. G06Q 30/00 (2023.01); G06F 3/0482 (2013.01); G06Q 20/02 (2012.01); G06Q 20/22 (2012.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 20/42 (2012.01); G06Q 30/0207 (2023.01); G06Q 30/0226 (2023.01); G06Q 30/0601 (2023.01); G06Q 40/03 (2023.01); H04L 9/40 (2022.01)
CPC G06Q 20/3674 (2013.01) [G06F 3/0482 (2013.01); G06Q 20/027 (2013.01); G06Q 20/227 (2013.01); G06Q 20/363 (2013.01); G06Q 20/367 (2013.01); G06Q 20/3672 (2013.01); G06Q 20/385 (2013.01); G06Q 20/40 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/42 (2013.01); G06Q 30/0233 (2013.01); G06Q 30/0236 (2013.01); G06Q 30/0641 (2013.01); G06Q 40/03 (2023.01); H04L 63/0838 (2013.01)] 14 Claims
OG exemplary drawing
 
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.