US-12626296-B2 - Method, user computing device, and computer-readable non-transitory medium for embedded one-click checkout

US12626296B2US 12626296 B2US12626296 B2US 12626296B2US-12626296-B2

Abstract

In one embodiment, a method includes presenting a guest checkout interface in an application executing on the user computing device, the guest checkout interface being presented in association with an order, receiving user identifying information in association with the order through the guest checkout interface, sending the user identifying information to a computing system associated with a transaction processing system, receiving a notification from the transaction processing system that the user identifying information is not associated with a user account associated with the transaction processing system, receiving payment information and order information for the order through the guest checkout interface, sending the received payment information and order information to the transaction processing system, and presenting an order confirmation and user account creation interface.

Inventors

Yangxue Zhou
Gregory Richard Greiner

Assignees

Bolt Financial, Inc.

Dates

Publication Date: 20260512
Application Date: 20240325

Claims (20)

1 . A method comprising: presenting, by a user computing device, a guest checkout interface in an application executing on the user computing device, the guest checkout interface being presented in association with an order; receiving, by the user computing device through the guest checkout interface, user identifying information in association with the order; sending, by the user computing device, the user identifying information to a computing system associated with a transaction processing system; receiving, by the user computing device from the transaction processing system, a notification that the user identifying information is not associated with a user account associated with the transaction processing system; generating, by the user computing device, based on instructions received from the transaction processing system, one or more customized embedded fields within the guest checkout interface for at least entering payment information associated with a credit card, wherein: the one or more customized embedded fields are configured to receive as input a credit card number and further configured to receive an expiration date, a verification code, or a name associated with the credit card; a subset of the one or more customized embedded fields is configured to analyze the payment information to determine whether the payment information is accurate and valid; and input in the one or more customized embedded fields is configured to be transferred to the transaction processing system via a secure application programming interface after the subset of the one or more customized embedded fields determines that the payment information is accurate and valid; receiving, by the user computing device through the guest checkout interface, the payment information and order information for the order; sending, by the user computing device to the transaction processing system, the received payment information and order information; and presenting, by the user computing device, an order confirmation and user account creation interface.
2 . The method of claim 1 , further comprising: receiving, by the user computing device through the guest checkout interface, a user input corresponding to authorization to create the user account using the received user identifying information, payment information, and order information.
3 . The method of claim 1 , wherein the user identifying information received in association with the order comprises an email address; and wherein the order information for the order comprises a phone number and shipping address.
4 . The method of claim 1 , further comprising: presenting, by the user computing device, a second guest checkout interface in the application executing on the user computing device, the second guest checkout interface being presented in association with a second order; receiving, by the user computing device through the second guest checkout interface, the user identifying information in association with the second order; sending, by the user computing device, the user identifying information to the transaction processing system; receiving, by the user computing device from the transaction processing system, payment information and order information stored by the transaction processing system in association with the user identifying information; and presenting, by the user computing device, an order confirmation interface comprising the payment information and order information received from the transaction processing system.
5 . The method of claim 4 , wherein the order is associated with a first merchant and the second order is associated with a second merchant.
6 . The method of claim 4 , further comprising: subsequent to receiving the user identifying information in association with the second order, presenting, by the user computing device, an account authorization interface; receiving input corresponding to a one-time password from the account authorization interface; and sending the input corresponding to the one-time password to the transaction processing system.
7 . The method of claim 6 , wherein the user computing device receives the payment information and order information stored by the transaction processing system in association with the user identifying information after the transaction processing system verifies the one-time password.
8 . A user computing device comprising: one or more processors; and one or more computer-readable non-transitory storage media coupled to one or more of the processors and comprising instructions operable when executed by one or more of the processors to cause the user computing device to perform operations comprising: presenting, by a user computing device, a guest checkout interface in an application executing on the user computing device, the guest checkout interface being presented in association with an order; receiving, by the user computing device through the guest checkout interface, user identifying information in association with the order; sending, by the user computing device, the user identifying information to a computing system associated with a transaction processing system; receiving, by the user computing device from the transaction processing system, a notification that the user identifying information is not associated with a user account associated with the transaction processing system; generating, by the user computing device, based on instructions received from the transaction processing system, one or more customized embedded fields within the guest checkout interface for at least entering payment information associated with a credit card, wherein: the one or more customized embedded fields are configured to receive as input a credit card number and further configured to receive an expiration date, a verification code, or a name associated with the credit card; a subset of the one or more customized embedded fields is configured to analyze the payment information to determine whether the payment information is accurate and valid; and input in the one or more customized embedded fields is configured to be transferred to the transaction processing system via a secure application programming interface after the subset of the one or more customized embedded fields determines that the payment information is accurate and valid; receiving, by the user computing device through the guest checkout interface, the payment information and order information for the order; sending, by the user computing device to the transaction processing system, the received payment information and order information; and presenting, by the user computing device, an order confirmation and user account creation interface.
9 . The user computing device of claim 8 , wherein the instructions are further operable when executed by one or more of the processors to cause the user computing device to perform further operations comprising: receiving, by the user computing device through the guest checkout interface, a user input corresponding to authorization to create the user account using the received user identifying information, payment information, and order information.
10 . The user computing device of claim 8 , wherein the user identifying information received in association with the order comprises an email address; and wherein the order information for the order comprises a phone number and shipping address.
11 . The user computing device of claim 8 , wherein the instructions are further operable when executed by one or more of the processors to cause the user computing device to perform further operations comprising: presenting, by the user computing device, a second guest checkout interface in the application executing on the user computing device, the second guest checkout interface being presented in association with a second order; receiving, by the user computing device through the second guest checkout interface, the user identifying information in association with the second order; sending, by the user computing device, the user identifying information to the transaction processing system; receiving, by the user computing device from the transaction processing system, payment information and order information stored by the transaction processing system in association with the user identifying information; and presenting, by the user computing device, an order confirmation interface comprising the payment information and order information received from the transaction processing system.
12 . The user computing device of claim 11 , wherein the order is associated with a first merchant and the second order is associated with a second merchant.
13 . The user computing device of claim 11 , wherein the instructions are further operable when executed by one or more of the processors to cause the user computing device to perform further operations comprising: subsequent to receiving the user identifying information in association with the second order, presenting, by the user computing device, an account authorization interface; receiving input corresponding to a one-time password from the account authorization interface; and sending the input corresponding to the one-time password to the transaction processing system.
14 . The user computing device of claim 13 , wherein the user computing device receives the payment information and order information stored by the transaction processing system in association with the user identifying information after the transaction processing system verifies the one-time password.
15 . One or more computer-readable non-transitory storage media embodying software that is operable when executed by a user computing device to perform operations comprising: presenting, by a user computing device, a guest checkout interface in an application executing on the user computing device, the guest checkout interface being presented in association with an order; receiving, by the user computing device through the guest checkout interface, user identifying information in association with the order; sending, by the user computing device, the user identifying information to a computing system associated with a transaction processing system; receiving, by the user computing device from the transaction processing system, a notification that the user identifying information is not associated with a user account associated with the transaction processing system; generating, by the user computing device, based on instructions received from the transaction processing system, one or more customized embedded fields within the guest checkout interface for at least entering payment information associated with a credit card, wherein: the one or more customized embedded fields are configured to receive as input a credit card number and further configured to receive an expiration date, a verification code, or a name associated with the credit card; a subset of the one or more customized embedded fields is configured to analyze the payment information to determine whether the payment information is accurate and valid; and input in the one or more customized embedded fields is configured to be transferred to the transaction processing system via a secure application programming interface after the subset of the one or more customized embedded fields determines that the payment information is accurate and valid; receiving, by the user computing device through the guest checkout interface, the payment information and order information for the order; sending, by the user computing device to the transaction processing system, the received payment information and order information; and presenting, by the user computing device, an order confirmation and user account creation interface.
16 . The media of claim 15 , wherein the software is further operable when executed by the user computing device to perform further operations comprising: receiving, by the user computing device through the guest checkout interface, a user input corresponding to authorization to create the user account using the received user identifying information, payment information, and order information.
17 . The media of claim 15 , wherein the user identifying information received in association with the order comprises an email address; and wherein the order information for the order comprises a phone number and shipping address.
18 . The media of claim 15 , wherein the software is further operable when executed by the user computing device to perform further operations comprising: presenting, by the user computing device, a second guest checkout interface in the application executing on the user computing device, the second guest checkout interface being presented in association with a second order; receiving, by the user computing device through the second guest checkout interface, the user identifying information in association with the second order; sending, by the user computing device, the user identifying information to the transaction processing system; receiving, by the user computing device from the transaction processing system, payment information and order information stored by the transaction processing system in association with the user identifying information; and presenting, by the user computing device, an order confirmation interface comprising the payment information and order information received from the transaction processing system.
19 . The media of claim 18 , wherein the order is associated with a first merchant and the second order is associated with a second merchant.
20 . The media of claim 18 , wherein the software is further operable when executed by the user computing device to perform further operations comprising: subsequent to receiving the user identifying information in association with the second order, presenting, by the user computing device, an account authorization interface; receiving input corresponding to a one-time password from the account authorization interface; and sending the input corresponding to the one-time password to the transaction processing system.

Description

PRIORITY This application is a divisional under 35 U.S.C. § 121 of U.S. patent application Ser. No. 17/240,883, filed 26 Apr. 2021, which is incorporated herein by reference. TECHNICAL FIELD This disclosure generally relates to interfaces for completing a transaction. BACKGROUND Many online purchases are made by customers through independent merchants. In most cases, merchants allow customers to either register for an account with the merchant or to proceed with a purchase as a “guest.” Customers who register for accounts with a merchant often receive benefits, such as expedited re-ordering or subsequent ordering because the merchant can store necessary purchase information or easy access to an order history. Customers who make purchases as a guest must re-enter information such as shipping and payment information for each order. However, customers may prefer not to make additional accounts as they do not wish to be responsible for remembering an additional account name and password for each merchant from which they make purchases. This added burden discourages customers from taking advantage of the benefits offered by merchant-specific accounts and increases the friction and computing resources typically necessary to complete each subsequent customer order. Customer discomfort or disinterest with creating merchant-specific accounts also creates inefficiencies for merchants. Merchants may struggle to identify customers across purchases, decreasing the ability for merchants to accurately recommend products related to previous purchases. Merchants also risk losing or reducing sales to customers by customers deciding against making purchases after being asked to re-enter information. Merchants must also allocate additional computational resources to provide for user interfaces and other user experience features to accommodate return customers to re-enter information necessary for a purchase. SUMMARY OF PARTICULAR EMBODIMENTS Embodiments described herein in include systems and methods for automatically converting a guest checkout for an order or transaction at a merchant into a one-click checkout by identifying payment information associated with user identifying information entered into a guest checkout interface. In particular embodiments, a computing system associated with a transaction processing system receives, from a computing system associated with a merchant, user identifying information in association with a checkout request for an order corresponding to a proposed transaction. The transaction processing system determines that a user account with the transaction processing system associated with the user identifying information does not exist in a database associated with the transaction processing system. Subsequent to determining that the user account associated with the user identifying information does not exist, the transaction processing system receives, from the computing system associated with the merchant, payment information for the order from the user. The transaction processing system concurrently receives, from the computing system associated with the merchant, an order confirmation and authorization to create a new account with the transaction processing system corresponding to the user identifying information. The transaction processing system, facilitates authorization for the order. The transaction processing system stores order information corresponding to the order and the received payment information in association with the user identifying information in the database associated with the transaction processing system. In particular embodiments, prior to receiving the payment information for the order from the user, the transaction processing system sends, to the computing system associated with the merchant, a notification that the user account associated with the transaction processing system associated with the user identifying information does not exist. Responsive to receiving the notification, the computing system associated with the merchant causes a user interface for collecting payment information to be displayed on a user computing device. In particular embodiments, the transaction processing system sends a notification of successful order authorization to the computing system associated with the merchant. The embodiments disclosed above are only examples, and the scope of this disclosure is not limited to them. Particular embodiments may include all, some, or none of the components, elements, features, functions, operations, or steps of the embodiments disclosed above. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 illustrates example interactions between systems for creating an account to be used with an embedded one-click checkout for subsequent purchases. FIGS. 2A-2D illustrates example user interfaces for creating an account to be used with an embedded one-click checkout for subsequent purchases. FIG. 3 illustrates example interactions between systems for enabling an embedd