Service-hosted payment request

One or more computer-storage media having embodied thereon computer-usable instructions which, when executed by one or more processors, facilitate a method of utilizing a service-hosted payment request object for completing an online transaction between a vendor and a user, the method comprising:

• establishing a communication channel between a web agent of the vendor and a client device of the user, wherein communication occurs via a third-party messaging client that does not provide a front-end application of the vendor on the client device;
• via the communication channel, communicating to the client device an offer of a transaction provided by the vendor;
• receiving, via the communication channel, an acceptance of the transaction;
• submitting a request from the web agent to an online digital wallet service to generate the payment request object for the transaction, wherein the payment request object is cached by the digital wallet service, and wherein the payment request object contains details about the transaction provided by the vendor;
• receiving a reference to the payment request object from the digital wallet service, wherein the reference to the payment request object identifies the payment request object which is stored by the digital wallet service, and wherein the reference to the payment request object is configured, when selected by a user, to access a digital wallet interface associated with the digital wallet service;
• sending the reference to the payment request object to the client device, via the communication channel, for presentation on the client device;
• receiving, from the digital wallet service, an indication of user-provided information pertaining to the transaction, the user-provided information comprising information received by the digital wallet service via the digital wallet interface;
• determining a payment amount associated with the transaction, based at least in part on the user-provided information pertaining to the transaction;
• communicating the payment amount to the digital wallet service;
• receiving from the digital wallet service a payment token associated with the transaction, wherein receiving the payment token from the digital wallet service indicates that the digital wallet service received user confirmation of the transaction via the digital wallet interface on the client device;
• and
• completing the transaction based on the payment token received from the digital wallet service.

One or more computer-storage media having embodied thereon computer-usable instructions which, when executed by one or more processors, cause an online digital wallet service to perform a method of providing a service-hosted payment request object, the method comprising:

• receiving a request from a vendor to generate the payment request object based on details provided by the vendor about an online transaction initiated between a vendor and a client device via a third-party messaging channel that does not provide a front-end application of the vendor on the client device;
• generating the payment request object, wherein the payment request object contains the details about the online transaction;
• caching the payment request object;
• providing a reference to the payment request object to the vendor, wherein the reference to the payment request object identifies the payment request object, and wherein the reference is configured, when selected by a user, to request access to the cached payment request object;
• receiving, from the client device, a request to access the cached payment request object, wherein receiving the request signifies that the user selected the reference on the client device;
• responsive to receiving the request to access the digital wallet service, providing a digital wallet interface for presentation on the client device based on the cached payment request object, wherein the digital wallet interface presents to the user the details about the online transaction;
• communicating, to the vendor, user-provided information pertaining to the transaction, the user-provided information comprising information received by the digital wallet service via the digital wallet interface on the client device;
• receiving, from the vendor, a payment amount associated with the transaction;
• communicating the payment amount for presentation on the digital wallet interface on the client device;
• receiving, from the client device via the digital wallet interface, an indication to complete the transaction;
• generating a payment token based on the payment amount associated with the transaction;
• and
• communicating the payment token from the digital wallet service to the vendor.