Systems and methods for facilitating payment service-based checkout with a merchant

Patent metadata

Field	Value
Publication number	US-12026686-B2
Application number	US-202016925103-A
Country	US
Kind code	B2
Filing date	Jul 9, 2020
Priority date	Jul 10, 2019
Publication date	Jul 2, 2024
Grant date	Jul 2, 2024

Abstract

Systems and methods for facilitating payment service-based guest checkout with a merchant are disclosed. According to one embodiment, a method for facilitating payment service-based guest checkout with a merchant may include: (1) receiving, from a merchant's application or website, a redirect of an online interaction between the merchant and a customer; (2) retrieving, from an issuer payment service, wallet information comprising a plurality of payment options for the customer; (3) receiving a selection of one of the payment options; (4) communicating the selection of the payment option to the payment service for the issuer. The issuer payment service provides a session identifier to the merchant application website, the merchant application or website provides transaction information and the session identifier to a merchant payment host, the merchant payment host retrieves the selected payment option from the issuer payment service and conducts the transaction using the selected payment option.

First claim

What is claimed is:

1. A method for facilitating payment service-based guest checkout with a merchant, comprising:
receiving, at an issuer payment application or website executed by a computer processor and from a merchant application or website, a redirect of an online interaction between the merchant and a customer in a browser window for a browser, wherein the redirect causes the browser to access the issuer payment application or website;
authenticating, by the issuer payment application or website, the customer via the issuer payment application or website;
in response to the authentication, retrieving, by the issuer payment application or website and from an issuer payment service, wallet information comprising a plurality of payment options for the customer;
receiving, by the issuer payment application or website, a selection of one of the payment options from the customer;
communicating, by the issuer payment application or website, the selection of the payment option to the payment service for the issuer;
associating, by the issuer payment service, a session identifier with the selected payment option;
providing, by the issuer payment service, the session identifier to the merchant application or website;
providing, by the merchant application or website, transaction information for a transaction and the session identifier to a merchant payment host; and
retrieving, by the merchant payment host, the selected payment option from the issuer payment service using the session identifier and conducts the transaction using the selected payment option.

2. The method of claim 1 , wherein the merchant application or website is executed by a customer electronic device.

3. The method of claim 1 , wherein the payment options include at least one of a credit account, a debit account, and a reward point account.

4. The method of claim 1 , wherein the session identifier identifies a session between the customer and the issuer payment application or website.

5. A method for facilitating payment service-based guest checkout with a merchant, comprising:
receiving, by an issuer payment service comprising a computer processor and from an issuer application or website executed on a customer electronic device, a request for wallet information for a customer, the issuer application or website involved in an online interaction with the customer in a browser window for a browser that was redirected from a merchant application or website on the customer electronic device;
authenticating, by the issuer payment service, the customer via an issuer payment application or website;
in response to the authentication, retrieving, by the issuer payment service, the wallet information comprising a plurality of payment options for the customer;
communicating, by the issuer payment service, the wallet information to the issuer application or website;
receiving, by the issuer payment service, a selection of one of the payment options from the issuer application or website;
communicating, by the issuer payment service, a session identifier to the merchant application or website;
associating, by the issuer payment service, the session identifier with the selected payment option;
receiving, by the issuer payment service and from a merchant payment host for the merchant, the session identifier and a request for the selected payment option;
retrieving, by the issuer payment service, the selected payment option associated with the session identifier;
communicating, by the issuer payment service, the selected payment option to the merchant payment host; and
executing, by the merchant payment host, a transaction with the customer using the selected payment option.

6. The method of claim 5 , wherein the merchant application or website is executed by the customer electronic device.

7. The method of claim 5 , wherein the payment options include at least one of a credit account, a debit account, and a reward points account.

8. The method of claim 5 , wherein the session identifier identifies a session between the customer and the issuer payment application or website.

9. A system for facilitating payment service-based guest checkout with a merchant, comprising:
an issuer information processing apparatus comprising at least one computer processor executing an issuer payment application or website and an issuer payment service; and
a merchant information processing apparatus comprising at least one computer processor executing a merchant application or hosting a merchant website, and a merchant payment host;
wherein:
the merchant application or website on a customer electronic device receives an identification of a good or service to purchase in an online interaction with a customer in a browser window for a browser;
the merchant application or website receives a selection of a payment service associated with an issuer of a financial instrument;
the merchant application or website redirects the online interaction to the issuer payment application or website on the customer electronic device;
the issuer payment application or website authenticates the customer; in response to the authentication, the issuer payment application or website retrieves wallet information comprising a plurality of payment options for the customer, from the issuer payment service;
the issuer payment application or website receives a selection of one of the payment options from the customer and provides the selection to the issuer payment service;
the issuer payment service generates a session identifier and provides the session identifier to the merchant application or website;
the issuer payment service associates the session identifier with the selected payment option;
the merchant application or website provides transaction information for a transaction for the identified good or service and the session identifier to the merchant payment host;
the merchant payment host requests the selected payment option from the issuer payment service by providing the session identifier;
the issuer payment service retrieves the selected payment option associated with the session identifier;
the issuer payment service communicates the selected payment option to the merchant payment host; and
the merchant payment host conducts the transaction using the selected payment option.

10. The system of claim 9 , wherein the payment options include at least one of a credit account, a debit account, and a reward points account.

11. The system of claim 9 , wherein the session identifier identifies a session between the customer and the issuer payment application or website.

Assignees

• Jpmorgan Chase Bank Na

Inventors

• Ouellette Scott H
• Robinson Mark W
• Ng Winter P
• Evans Ryan
• Selvakumar Sudharsan
• Rangaswamy Tharakesh
• Dissanayake Rajitha

Classifications

• G06Q20/027

  involving a payment switch or gateway · CPC title

• G06Q20/3674

  involving authentication · CPC title

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title