Google Inc.

Andrew Robert Mitchell

Matthew Hiller

Stanley N Marshall, Iii

David Preston Baker

Chin Pang Tung

Mohamed Reza Hussein

Justin Lawyer

Scott Barta

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.

Optimistic receipt flow

Secure storage of payment information on client devices

Example embodiments of methods and apparatus for challenging an online user. In an example embodiment, a method includes receiving, at an online service provider, a request from a user to access one or more features of an online service running on a host server and also receiving an indication of a geography associated with the user. The example method further includes sending, to the user, information associated with the indicated geography in combination with information not associated with the indicated geography and a request that the user select the information associated with the indicated geography from the combined information or select the information not associated with the indicated geography from the combined information. The example method still further includes receiving, at the online service provider, a selection from the user and, in the event the selection correctly corresponds with the request, allowing the user access to the one or more features.

User challenge using information based on geography or user identity

Growing community of inventors

Sunnyvale, CA, United States of America

Andrew Robert Mitchell