Guest checkout decision engine and flows

Patent metadata

Field	Value
Publication number	US-11315121-B2
Application number	US-201916669118-A
Country	US
Kind code	B2
Filing date	Oct 30, 2019
Priority date	Mar 31, 2015
Publication date	Apr 26, 2022
Grant date	Apr 26, 2022

Abstract

A computer implemented method including receiving guest data corresponding to a transaction. The method determining a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method includes determining that the guest transaction total is greater than the predetermined threshold number of transactions and responding accordingly.

First claim

The invention claimed is:

1. A computer-implemented method comprising:
transmitting a hypertext transfer protocol (HTTP) cookie to a user computing device associated with a user, the HTTP cookie being identifiable as associated with the user;
receiving a guest transaction request for a guest transaction from the user computing device;
identifying the HTTP cookie on the user computing device;
associating the identified HTTP cookie with the user;
determining a guest transaction total based on a number of prior guest transactions associated with the user;
determining that the guest transaction total is less than a predetermined threshold number of transactions; and
in response to the determination that the guest transaction total is less than the predetermined threshold number of transactions, generating a notification indicating a number of additional guest transactions available to the user,
wherein the method is performed using one or more processors.

2. The method of claim 1 , wherein the HTTP cookie includes guest data comprising at least one of an account number, a credit card number, or a debit card number.

3. The method of claim 1 , wherein the HTTP cookie includes guest data comprising an alias that represents at least one of an account number, a credit card number, or a debit card number.

4. The method of claim 1 further comprising determining guest identifying information from guest data included in the HTTP cookie.

5. The method of claim 1 further comprising:
receiving a subsequent guest transaction request for a subsequent guest transaction from the user computing device;
determining that the guest transaction total is greater than the predetermined threshold number of transactions; and
in response to the determination that the guest transaction total is greater than the predetermined threshold number of transactions, requesting that the user create a non-guest account.

6. The method of claim 5 further comprising determining that the guest transaction total is greater than the predetermined threshold number of transactions during a predetermined threshold time period.

7. method of claim 5 further comprising denying the subsequent guest transaction request when the user declines to create the non-guest account.

8. The method of claim 5 further comprising executing the subsequent guest transaction request in response to the user creating the non-guest account.

9. The method of claim 1 further comprising raising the threshold number of transactions based on a guest transaction value of the guest transaction.

10. The method of claim 1 further comprising determining the predetermined threshold number of transactions based on past behavior of users in certain demographics.

11. The method of claim 10 , wherein the certain demographics include at least one of high net worth users or low net worth users.

12. A non-transitory computer readable medium storing instructions that, when executed, cause an apparatus at least to perform:
transmitting a hypertext transfer protocol (HTTP) cookie to a user computing device associated with a user, the HTTP cookie being identifiable as associated with the user;
receiving a guest transaction request for a guest transaction from the user computing device;
identifying the HTTP cookie on the user computing device;
associating the identified HTTP cookie with the user;
determining a guest transaction total based on a number of prior guest transactions associated with the user;
determining that the guest transaction total is less than a predetermined threshold number of transactions; and
in response to the determination that the guest transaction total is less than the predetermined threshold number of transactions, generating a notification indicating a number of additional guest transactions available to the user.

13. The non-transitory computer readable medium of claim 12 , wherein the instructions further cause the apparatus to perform:
receiving a subsequent guest transaction request for a subsequent guest transaction from the user computing device;
determining that the guest transaction total is greater than the predetermined threshold number of transactions; and
in response to the determination that the guest transaction total is greater than the predetermined threshold number of transactions, requesting that the user create a non-guest account.

Assignees

• Visa Int Service Ass

Inventors

• Purves Thomas
• Girish Aparna

Classifications

• G06Q20/405 Primary

  Establishing or using transaction specific rules · CPC title

• G06Q20/389

  Keeping log of transactions for guaranteeing non-repudiation of a transaction · CPC title

• G06Q30/0609

  Qualifying participants for shopping transactions (payment transaction verification G06Q20/401) · CPC title