Secure storage of payment information on client devices

US8606720B1 · kind B1 · utility

Assignee

• Google LLC · US

Inventors

• David Preston Baker · New York, US
• Stanley N. Marshall, III · Mountain View, US
• Mohamed Reza Hussein · San Francisco, US
• Matthew Hiller · New York, US
• Chin Pang Tung · Sunnyvale, US
• Andrew Mitchell · Sunnyvale, US

Key dates

• Filing date: Jul 3, 2012
• Grant date: Dec 10, 2013
• Expiry date: Aug 21, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q2220/10
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

An online electronic wallet system and method provide secure storage and transmission of payment instrument information for use in completing online purchases initiated from a client device. A payment instrument's verification code is stored in an encrypted form in local storage on a client device and retrieved and re-encrypted along with other payment instrument information stored on the system using a merchant-specific key. An API library is used to integrate the online electronic wallet system with a registered merchant's purchase flow, including the ability to ensure receipt of an electronic receipt prior to communicating payment instrument information to a merchant server.