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

Patent metadata

Field	Value
Publication number	US-2022012701-A1
Application number	US-202016925103-A
Country	US
Kind code	A1
Filing date	Jul 9, 2020
Priority date	Jul 10, 2019
Publication date	Jan 13, 2022
Grant date	—

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:
in an information processing apparatus comprising at least one computer processor executing an issuer's payment application or website:
receiving, from a merchant's application or website, a redirect of an online interaction between the merchant and a customer;
retrieving, from an issuer payment service, wallet information comprising a plurality of payment options for the customer;
receiving a selection of one of the payment options;
communicating the selection of the payment option to the payment service for the issuer;
wherein 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.

2 . The method of claim 1 , wherein the merchant application or website is executed by the information processing apparatus.

3 . The method of claim 1 , further comprising:
authenticating the customer.

4 . 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.

5 . A method for facilitating payment service-based guest checkout with a merchant, comprising:
in an issuer payment service comprising at least one computer processor:
receiving, 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 a redirected online interaction with the customer from a merchant application or website;
retrieving the wallet information for the customer;
communicating the wallet information to the issuer application or website;
receiving a selection of a payment option from the issuer application or website;
communicating a session identifier to the merchant application or website;
receiving, from a merchant payment host for the merchant, the session identifier and a request for the selected payment option; and
communicating the selected payment option to the merchant payment host;
wherein the merchant payment host executes 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.

7 . The method of claim 5 , wherein the customer is authenticated by the issuer application or website.

8 . 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.

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's payment application or website and an issuer payment service; a merchant information processing apparatus comprising at least one computer processor executing a merchant's application or hosting a merchant website, and a merchant payment host; wherein:
the merchant application or website receives an identification of a good or service to purchase in an online interaction with a customer;
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;
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 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 merchant application or website provides transaction information for the identified good or service to the merchant payment host;
the merchant payment host retrieves the selected payment option from the issuer payment service using the session ID; and
the merchant payment host conducts the transaction using the selected payment option.

10 . The system of claim 9 , wherein the customer is authenticated by the issuer application or website.

11 . 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.

Assignees

• Jpmorgan Chase Bank Na

Inventors

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

Classifications

• G06Q20/20 Primary

  Point-of-sale [POS] network systems · CPC title

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• G06Q20/204

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

• G06Q20/322

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

• G06Q20/3674

  involving authentication · CPC title