Patent ID: 11900359
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. An e-wallet checkout system, comprising:
a memory storing processor-issuable instructions; and
a server having a processor that is in communication with the memory, the processor executing the processor-issuable instructions to:
receive, from a merchant server, a selection from a user device of an item for purchase from the merchant server;
receive, from the merchant server, a merchant payment request for the item, wherein the merchant payment request comprises a payment protocol string;
parse the merchant payment request to identify the payment protocol string within the payment request, wherein the payment protocol string comprises a plurality of payment protocol handlers, wherein at least one of the payment protocol handlers indicates the merchant server uses an electronic wallet checkout platform (EWCP) supported protocol;
determine an appropriate payment protocol handler from the plurality of payment protocol handlers within the identified payment protocol string in the merchant payment request, wherein the plurality of protocol handlers comprises at least one of a customer type, device type, or operating system type, wherein the appropriate payment protocol handler is determined based on a ranking of the plurality of payment protocol handlers;
process the merchant payment request using the appropriate payment protocol handler, wherein the payment protocol handler that indicates that the merchant server uses an EWCP supported protocol is used to transition from a web browser to an electronic wallet;
in response to the payment protocol string indicating the merchant server uses an EWCP supported protocol, instantiate, on the user device, a wallet application, based on the appropriate payment protocol handler;
obtain, from the user device, a payment method selection via the wallet application; provide a transaction execution request including the selected payment method to the merchant server to initiate payment to the merchant according to the merchant payment request, receive a purchase response to the transaction execution request from a checkout server, and
output purchase response information derived from the received purchase response.