Methods and systems for seamless integration of payment processing into e-commerce platforms

Abstract

Computer-implemented methods and systems are disclosed for processing payment from a customer making a purchase in an online store. Embedded in the online store is an attachable element operable to provide a customer-side graphical user interface. The attachable element is enabled by a merchant application and receives contact information of the customer. Based on contact information from the customer, the customer may be identified as a new customer, and if so, a new user account is automatically created. Otherwise, if the customer is identified and verified as an existing customer, information from the customer's account is retrieved. A payment request from the customer is processed according to one or more rules configured through the merchant application. For example, the system may attempt to process the payment request through an instant payment rail, failing which the system attempts to complete the transaction through an alternative payment processor.

Dependencies are inferred from the claim text.