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US 12,567,070 B2Granted
System and method for simplified checkout
AssigneePaypal, Inc.
InventorsShilpa Dhar, Jeff Harrell, Cody Evol, Cristina Escutia
Life of this patent
Estimating the term…
Abstract
In various embodiments, a system and method for providing simplified checkout are provided. In example embodiments, an identifier that corresponds to a payment account of a user is received at a payment provider system. Account information from the payment account of the user is retrieved from a payment data storage of the payment provider system. The account information is used in a payment transaction involving a merchant system. A payment interface having transaction fields populated with the account information retrieved from the payment account of the user is presented to the user while the user maintains a presence on a webpage of a merchant system.
Claims20
A method for accelerating transaction processing at a website of a merchant system using account information provided by a payment provider system, comprising:
- receiving, from the merchant system by the payment provider system comprising a processor, an indication that a user has initiated a payment transaction at the website of the merchant system;
- transmitting, by the payment provider system to the merchant system, an identifier interface of the payment provider system;
- receiving, by the payment provider system from the merchant system, an identifier of an account of the user maintained by the payment provider system, wherein the identifier is received from the user via the identifier interface displayed at the website of the merchant system while the user is accessing the website of the merchant system, and wherein receiving the identifier causes the payment provider system to verify the user based on the identifier;
- transmitting, by the payment provider system to the merchant system, account information of the user retrieved using the identifier of the account of the user, wherein transmitting the account information of the user causes the merchant system to replace the identifier interface displayed at the website of the merchant system with a payment interface of the payment provider system while the user maintains a presence at the website of the merchant system, and wherein replacing the displayed identifier interface with the payment interface includes causing one or more interface elements of the payment interface to be populated, by the merchant system, with the account information of the user;
- receiving, by the payment provider system from the merchant system, a payment transaction request of the user generated at the merchant system, wherein the generation of the payment transaction request is triggered based on detection of a user selection, at the payment interface of the payment provider system, of an interface element corresponding to the payment transaction;
- and
- processing, by the payment provider system in response to receiving the payment transaction request, the payment transaction.
4 more elements
A payment provider system comprising:
- a processor;
- and
- a non-transitory computer-readable medium having instructions stored thereon that are executable by the processor to cause the payment provider system to perform operations comprising:
- receiving, from a merchant system, an indication that a user has initiated a payment transaction at a website of the merchant system;
- transmitting, to the merchant system, an identifier interface of the payment provider system;
- receiving, from the merchant system, an identifier of an account of the user maintained by the payment provider system, wherein the identifier is received from the user via the identifier interface displayed at the website of the merchant system while the user is accessing the website of the merchant system, and wherein receiving the identifier causes the payment provider system to verify the user based on the identifier;
- transmitting, to the merchant system, account information of the user retrieved using the identifier of the account of the user, wherein transmitting the account information of the user causes the merchant system to replace the identifier interface displayed at the website with a payment interface of the payment provider system while maintaining the payment interface at the website of the merchant system, and wherein the replacing includes causing one or more interface elements of the payment interface to be populated, by the merchant system, with the account information of the user;
- receiving, from the merchant system, a payment transaction request of the user generated at the merchant system, wherein the generation of the payment transaction request is triggered based on detection of a user selection, at the payment interface of the payment provider system, of an interface element corresponding to the payment transaction;
- and
- processing the payment transaction in response to receiving the payment transaction request from the merchant system.
7 more elements
A non-transitory computer-readable medium having instructions stored thereon that are executable by a processor to cause a payment provider system to perform operations comprising:
- receiving, from a merchant system, an indication that a user has initiated a payment transaction at a website of the merchant system;
- transmitting, to the merchant system, an identifier interface of the payment provider system;
- receiving, from the merchant system, an identifier of an account of the user maintained by the payment provider system, wherein the identifier is received from the user via the identifier interface displayed at the website of the merchant system while the user is accessing the website of the merchant system, and wherein receiving the identifier causes the payment provider system to verify the user based on the identifier;
- transmitting, to the merchant system, account information of the user retrieved using the identifier of the account of the user, wherein transmitting the account information of the user causes the merchant system to replace the identifier interface displayed at the website of the merchant system with a payment interface of the payment provider system while the user maintains a presence at the website of the merchant system, and wherein replacing the displayed identifier interface with the payment interface includes causing one or more interface elements of the payment interface to be populated, by the merchant system, with the account information of the user;
- receiving, from the merchant system, a payment transaction request of the user generated at the merchant system, wherein the generation of the payment transaction request is triggered based on detection of a user selection, at the payment interface of the payment provider system, of an interface element corresponding to the payment transaction;
- and
- processing, in response to receiving the payment transaction request, the payment transaction.
4 more elements
Dependencies are inferred from the claim text.