Service-hosted payment request

US10706410B2 · kind B2 · utility

Assignee

• MICROSOFT TECHNOLOGY LICENSING, LLC · US

Inventors

• Daniel J. Driscoll · Spring, US
• Trent Byfield · Seattle, US
• Matthew S. Harlan · Iowa City, US
• Matthias Bernard Pisut, IV · Issaquah, US
• Jonathan L. CUTLER · Seattle, US

Key dates

• Filing date: May 9, 2017
• Grant date: Jul 7, 2020
• Expiry date: Jul 9, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q10/083
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are provided that enable a vendor to utilize a digital wallet service to complete an online transaction with a user via a messaging channel (e.g., a chat channel), in a scenario where the vendor does not have a front end application running on the user's client device (i.e., there is no mechanism for the vendor's web-based application, such as a bot, to communicate with a digital wallet application running on the user's device). An online digital wallet service generates and caches a payment request (which can be rendered at a later time by the digital wallet service for interaction with the user) which is requested by the vendor, and provides the vendor with a reference to the cached payment request. The vendor provides the reference to the user such that the user can access the payment request via the link.