Systems and methods for executing ecommerce express checkout transactions

A system comprising:

• one or more computer readable media storing instructions for executing an electronic transaction using a digital wallet;
• and
• one or more processors configured to execute the instructions to perform operations comprising:
• receiving, from an electronic transaction browser, a selection to opt into or not to opt into a digital wallet express checkout;
• receiving, from the electronic transaction browser, an express checkout request;
• generating, by a digital wallet system, a first graphical interface including a first field to input electronic transaction data, a button to continue the express checkout and a second field to select a guest checkout, wherein the electronic transaction data includes user data;
• determining, by the digital wallet system, whether a user is enrolled in the digital wallet system after receiving the electronic transaction data;
• after receiving the express checkout request and upon determining the user is enrolled in the digital wallet system, wherein a digital wallet token corresponding to the user and a payment option selected by the user is generated in response to the user is enrolled in the digital wallet system and before performing a payment authorization;
• transmitting, by the digital wallet system, a first verification request to the electronic transaction browser, wherein the verification request includes a one-time password authentication request or a two-factor authentication request;
• receiving, by the digital wallet system, a first verification response from the electronic transaction browser;
• generating, by the digital wallet system, a second graphical interface including an order review and one or more method of payment options;
• receiving, by the digital wallet system, a user response received on the graphical interface, wherein the user response includes the payment option selected by the user;
• retrieving, from the digital wallet system, the digital wallet token based on the user response;
• receiving, by the digital wallet system, a merchant specific token based on the digital wallet token before performing the payment authorization;
• and
• completing, by the digital wallet system, an electronic transaction based on the user response and the merchant specific token.

A non-transitory computer-readable medium storing instructions for executing an electronic transaction using a digital wallet, the instructions, when executed by one or more processors, causing the one or more processors to perform operations comprising:

• receiving, from an electronic transaction browser, a selection to opt into or not to opt into a digital wallet express checkout;
• receiving, from the electronic transaction browser, an express checkout request;
• generating, by a digital wallet system, a first graphical interface including a first field to input electronic transaction data, a button to continue the express checkout and a second field to select a guest checkout, wherein the electronic transaction data includes user data;
• determining, by the digital wallet system, whether a user is enrolled in the digital wallet system after receiving the electronic transaction data;
• after receiving the express checkout request and upon determining the user is enrolled in the digital wallet system, wherein a digital wallet token corresponding to the user and a payment option selected by the user is generated in response to the user is enrolled in the digital wallet system and before performing a payment authorization:
• transmitting, by the digital wallet system, a first verification request to the electronic transaction browser, wherein the verification request includes a one-time password authentication request or a two-factor authentication request;
• receiving, by the digital wallet system, a first verification response from the electronic transaction browser;
• generating, by the digital wallet system, a second graphical interface including an order review and one or more method of payment options;
• receiving, by the digital wallet system, a user response received on the graphical interface, wherein the user response includes the payment option selected by the user;
• retrieving, from the digital wallet system, the digital wallet token based on the user response;
• receiving, by the digital wallet system, a merchant specific token based on the digital wallet token before performing the payment authorization;
• and
• completing, by the digital wallet system, an electronic transaction based on the user response and the merchant specific token.