Digital wallet

Abstract

A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase. The digital wallet can store the receipt and synchronize the receipt with a remote storage location.

1 . A computer-implemented method to process online payment transactions, comprising:
 storing, by a digital wallet on the user computing device, known merchant data;   displaying, by a web browser application of a user computing device, a merchant website on a user interface of the user computing device;   receiving, by the digital wallet on the user computing device, merchant website data;   comparing, by the digital wallet on the user computer device, the received merchant website data to the stored known merchant data;   determining, by the digital wallet on the user computing device, that the merchant website is authentic prior to establishing a secure connection between the merchant website and digital wallet on the user computing device;   based on a determination that the merchant website is authentic, establishing a secure connection between the merchant website and a digital wallet on the user computing device; and   receiving, by the digital wallet on the user computing device and from the merchant website via the secure connection, a request for payment information without navigating from the merchant website displayed on the user interface of the user computing device.   
     
     
         2 . The computer-implemented method of  claim 1 , wherein the digital wallet is embedded in the web browser application on the user computing device. 
     
     
         3 . (canceled) 
     
     
         4 . The computer-implemented method of  claim 1 , wherein the user computing device is a mobile telephone. 
     
     
         5 . (canceled) 
     
     
         6 . The computer-implemented method of  claim 5 , wherein the request for payment information comprises information associated with an online payment transaction, and wherein the digital wallet saves at least a portion of the information associated with the online payment transaction. 
     
     
         7 . The computer-implemented method of  claim 6 , wherein the information associated with the online payment transaction comprises at least one of a total price for the transaction, a description of a product or service being purchased, and forms of payment accepted by a merchant. 
     
     
         8 . The computer-implemented method of  claim 1 , further comprising:
 displaying, by the digital wallet on the user computing device, a user interface object for a user to select one of a plurality of payment options stored by the digital wallet; and   receiving, by the digital wallet on the user computing device, a user's selection of one of the plurality of payment options.   
     
     
         9 . The computer-implemented method of  claim 1 , further comprising:
 receiving, by the digital wallet on the user computing device, a receipt for the transaction; and   storing, by the digital wallet module on the user computing device, the receipt at the client device.   
     
     
         10 . A computer program product, comprising:
 a non-transitory computer-readable medium having computer-readable program instructions embodied therein that when executed by a computer cause the computer to process online payment transactions, the computer-readable program instructions comprising:
 computer program instructions to store, by a digital wallet on the user computing device, known merchant data; 
 computer program instructions to display, by a web browser application of a user computing device, a merchant website on a user interface of the user computing device; 
 computer program instructions to receive, by the digital wallet on the user computing device, merchant website data; 
 computer program instructions to compare, by the digital wallet on the user computer device, the received merchant website data to the stored known merchant data; 
 computer program instructions to determine, by the digital wallet on the user computing device, that the merchant website is authentic prior to establishing a secure connection between the merchant website and digital wallet on the user computing device; 
 based on a determination that the merchant website is authentic, computer program instructions to establish a secure connection between the merchant website and a digital wallet on the user computing device; and 
 computer program instructions to receive, by the digital wallet on the user computing device and from the merchant website via the secure connection, a request for payment information without navigating from the merchant website displayed on the user interface of the user computing device. 
   
     
     
         11 . The computer program product of  claim 10 , wherein the digital wallet is embedded in the web browser application on the user computing device. 
     
     
         12 . (canceled) 
     
     
         13 . The computer program product of  claim 10 , wherein the user computing device is a computer. 
     
     
         14 . (canceled) 
     
     
         15 . The computer program product of  claim 14 , wherein the request for payment information comprises information associated with an online payment transaction, and further comprising computer-readable program instructions to save at least a portion of the information associated with the online payment transaction. 
     
     
         16 . The computer program product of  claim 15 , wherein the information associated with the online payment transaction comprises at least one of a total price for the transaction, a description of a product or service being purchased, and forms of payment accepted by a merchant. 
     
     
         17 . The computer program product of  claim 10 , further comprising:
 computer-readable program instructions to display, by the digital wallet on the user computing device, a user interface object for a user to select one of a plurality of payment options stored by the digital wallet; and   computer-readable program instructions to receive, by the digital wallet on the user computing device, a user's selection of one of the plurality payment options.   
     
     
         18 . (canceled) 
     
     
         19 . A system to process online payment transactions, comprising:
 a digital wallet;   a user interface;   a storage device; and   a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to:
 store, by the digital wallet, known merchant data; 
 display, by a web browser application, a merchant website on the user interface; 
 receive, by the digital wallet, merchant website data; 
 compare, by the digital wallet, the received merchant website data to the stored known merchant data; 
 determine, by the digital wallet, that the merchant website is authentic prior to establishing a secure connection between the merchant website and digital wallet; 
 based on a determination that the merchant website is authentic, establish a secure connection between the merchant website and a digital wallet on the user computing device; and 
 receive, by the digital wallet and from the merchant website via the secure connection, a request for payment information without navigating from the merchant website displayed on the user interface. 
   
     
     
         20 . The system of  claim 19 , wherein the digital wallet is embedded in the web browser application. 
     
     
         21 . The system of  claim 19 , wherein the web browser application is configured to provide messaging between two or more web pages. 
     
     
         22 . (canceled) 
     
     
         23 . (canceled) 
     
     
         24 . The system of  claim 19 , wherein the request for payment information comprises information associated with an online payment transaction, and wherein the digital wallet saves at least a portion of the information associated with the online payment transaction. 
     
     
         25 . The system of  claim 24 , wherein the information associated with the online payment transaction comprises at least one of a total price for the transaction, a description of a product or service being purchased, and forms of payment accepted by a merchant. 
     
     
         26 . The system of  claim 19 , wherein the processor is further configured to execute application code instructions stored in the storage device to cause the system to:
 display a user interface object for a user to select one of a plurality of payment options stored by the digital wallet; and   receive a user's selection of one of the plurality of payment options.   
     
     
         27 . (canceled) 
     
     
         28 . (canceled) 
     
     
         29 . (canceled) 
     
     
         30 . (canceled) 
     
     
         31 . (canceled) 
     
     
         32 . The system of  claim 19 , wherein the processor is further configured to execute application code instructions stored in the storage device to cause the system to transmit, by the digital wallet via the secure connection, the payment information to the merchant website without navigating from the merchant website displayed on the user interface. 
     
     
         33 . The computer-implemented method of  claim 1 , further comprising transmitting, by the digital wallet on the user computing device via the secure connection, the payment information to the merchant website without navigating from the merchant website displayed on the user interface of the user computing device. 
     
     
         34 . The computer-implemented method of  claim 33 , further comprising:
 submitting, by a merchant computing system, a payment authorization request to a financial institution to fund the payment transaction, wherein the financial institution corresponds to the payment information received from the digital wallet on the user computing device;   receiving, by the merchant computing system and from the financial institution, a payment authorization in response to the payment authorization request authorizing payment in accordance with the payment information;   authorizing, by the merchant computing system, the payment transaction in response to receiving the payment authorization; and   transmitting, by the merchant computing system, confirmation of an authorized payment transaction to the digital wallet module on the user computing device.   
     
     
         35 . The computer program product of  claim 10 , further comprising computer program instructions to transmit, by the digital wallet on the user computing device via the secure connection, the payment information to the merchant website without navigating from the merchant website displayed on the user interface of the user computing device.