Method for configuring guest checkout options

Patent metadata

Field	Value
Publication number	US-11798000-B2
Application number	US-202217705832-A
Country	US
Kind code	B2
Filing date	Mar 28, 2022
Priority date	Mar 31, 2015
Publication date	Oct 24, 2023
Grant date	Oct 24, 2023

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, the guest transaction request including a guest transaction value;
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 greater than a 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, providing one or more options for the user to proceed as a non-guest user,
wherein the method is performed using one or more processors.

2. The method of claim 1 , wherein one of the one or more options for the user to proceed as a non-guest user is requesting that the user create a non-guest account.

3. The method of claim 1 , wherein one of the one or more options for the user to proceed as a non-guest user is generating a notification that the user has exceeded a maximum number of guest transactions.

4. The method of claim 1 , wherein one of the one or more options for the user to proceed as a non-guest user is determining an option for incentivizing creating a non-guest account based on past interactions of the user.

5. 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.

6. 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.

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

8. The method of claim 1 further comprising determining that the guest transaction total is greater than the predetermined threshold number of transactions during a predetermined threshold time period.

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 , wherein the one or more options for the user to proceed as a non-guest user are determined based on a guest transaction value of the guest transaction.

11. A processor-readable non-transitory tangible medium storing processor-executable instructions to:
transmit 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;
receive a guest transaction request for a guest transaction from the user computing device, the guest transaction request including a guest transaction value;
identify the HTTP cookie on the user computing device;
associate the identified HTTP cookie with the user;
determine a guest transaction total based on a number of prior guest transactions associated with the user;
determine that the guest transaction total is greater than a 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, provide one or more options for the user to proceed as a non-guest user.

12. The processor-readable non-transitory tangible medium of claim 11 , wherein one of the one or more options for the user to proceed as a non-guest user is requesting that the user create a non-guest account.

13. The processor-readable non-transitory tangible medium of claim 11 , wherein one of the one or more options for the user to proceed as a non-guest user is generating a notification that the user has exceeded a maximum number of guest transactions.

14. The processor-readable non-transitory tangible medium of claim 11 , wherein one of the one or more options for the user to proceed as a non-guest user is determining an option for incentivizing creating a non-guest account based on past interactions of the user.

15. The processor-readable non-transitory tangible medium of claim 11 , wherein the HTTP cookie includes guest data comprising at least one of an account number, a credit card number, or a debit card number.

16. The processor-readable non-transitory tangible medium of claim 11 , 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.

17. The processor-readable non-transitory tangible medium of claim 11 , wherein the processor-executable instructions further comprise determining guest identifying information from guest data included in the HTTP cookie.

18. The processor-readable non-transitory tangible medium of claim 11 , wherein the processor-executable instructions further comprise determining that the guest transaction total is greater than the predetermined threshold number of transactions during a predetermined threshold time period.

19. The processor-readable non-transitory tangible medium of claim 11 , wherein the processor-executable instructions further comprise raising the threshold number of transactions based on a guest transaction value of the guest transaction.

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