User-linked payment methods for completion of an online transaction

A non-transitory computer readable medium that includes a set of instructions which, in response to execution by a processor of a computer system, cause the processor to perform a method of modifying a checkout user interface displayed at a user computing device in a network, wherein the network includes the user computing device, the computer system, a merchant server, and a first payment instrument manager, the method comprising:

• receiving an unencrypted shopper identifier credential that is associated with a specific user and is input via the checkout user interface, wherein the checkout user interface is associated with an online transaction and the unencrypted shopper identifier credential excludes sensitive information associated with the specific user, wherein the sensitive information includes credit card information, billing information, personal identifiable information, or other payment method information;
• in response to receiving the unencrypted shopper identifier credential, generating a first encrypted shopper identifier credential based on the unencrypted shopper identifier credential without redirecting the user computing device to the first payment instrument manager or the merchant server;
• sending a first query that includes the first encrypted shopper identifier credential to the first payment instrument manager, wherein the first query requests an indication that the first encrypted shopper identifier credential is associated with an account for the first payment instrument manager;
• receiving a response from the first payment instrument manager that includes the indication;
• and
• causing the checkout user interface to be modified with a first selection field, wherein the first selection field is associated with the first payment instrument manager.

A computer system configured to modify a checkout user interface displayed at a user computing device in a network, wherein the network includes the user computing device, the computer system, a merchant server, and a first payment instrument manager, comprising:

• a processor;
• and
• a non-transitory computer-readable medium having stored thereon instructions that, when executed by the processor, cause the processor to:
• receive an unencrypted shopper identifier credential that is associated with a specific user and is input via the checkout user interface, wherein the checkout user interface is associated with an online transaction and the unencrypted shopper identifier credential excludes sensitive information associated with the specific user, wherein the sensitive information includes credit card information, billing information, personal identifiable information, or other payment method information;
• in response to receiving the unencrypted shopper identifier credential, generate a first encrypted shopper identifier credential based on the unencrypted shopper identifier credential without redirecting the user computing device to the first payment instrument manager or the merchant server;
• send a first query that includes the first encrypted shopper identifier credential to the first payment instrument manager;
• in response to that the first encrypted shopper identifier credential is associated with an account with the first payment instrument manager, receive a response from the first payment instrument manager that includes payment instrument data associated with the account;
• and
• cause the checkout user interface to be modified with a first selection filed, wherein the first selection field is associated with the first payment instrument manager.