US 11,989,719 B2
Adaptable authentication processing
Jalpesh Chitalia, San Francisco, CA (US); Thomas Purves, San Francisco, CA (US); Ansar Ansari, San Ramon, CA (US); Vishwanath Shastry, Mountain View, CA (US); Otto Williams, Dublin, CA (US); Kevin Carvalho, Sunnyvale, CA (US); Madhuri Chandoor, San Jose, CA (US); Amit Gupta, San Francisco, CA (US); Manoj Kannembath, San Francisco, CA (US); and Samuel Blake Shrauger, Lafayette, CA (US)
Assigned to VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed by Visa international Service Association, San Francisco, CA (US)
Filed on Mar. 29, 2022, as Appl. No. 17/707,751.
Application 17/707,751 is a continuation of application No. 15/466,815, filed on Mar. 22, 2017, granted, now 11,321,707.
Claims priority of provisional application 62/411,587, filed on Oct. 22, 2016.
Claims priority of provisional application 62/311,824, filed on Mar. 22, 2016.
Prior Publication US 2022/0237592 A1, Jul. 28, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/20 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/36 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/40145 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, at a remotely located wallet provider server computer, an indication of a transaction to be completed with respect to a user and a merchant;
identifying, by the remotely located wallet provider server computer, a number of wallet applications associated with the user and login information for each of the wallet applications, each of the wallet applications comprising wallet services known to be associated with the user which are each provided by at least one separate wallet provider server different from the remotely located wallet provider server computer;
providing, by the remotely located wallet provider server computer, a list of the identified wallet applications and corresponding graphics associated with each of the wallet applications to a mobile device associated with the user, such that upon selection of a wallet application from the list of wallet applications, the mobile device is caused to initiate the selected wallet application and authenticate the user in accordance with the selected wallet application;
receiving, by the remotely located wallet provider server computer and from the mobile device, an indication that the user has been authenticated;
receiving, by the remotely located wallet provider server computer, payment information to be used in completing the transaction;
generating, by the remotely located wallet provider server computer, transaction information based upon the received indication to include the payment information;
determining, by the remotely located wallet provider server computer, a type of data format for the merchant based at least in part on data processing formats associated with the wallet application; and
providing, by the remotely located wallet provider server computer, the transaction information according to the type of the data format to the merchant to complete the transaction.