Completion of online payment forms and recurring payments by a payment provider systems and methods

• US 10,223,677 B2
• Filed: 09/11/2017
• Issued: 03/05/2019
• Est. Priority Date: 09/13/2013
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Zamer, Kamal
• Primary Examiner(s): King, Joseph W.
• Application Number:
  US15/700,637
• Publication Number:
  US 20180121893A1
• Time in Patent Office: 540 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/08 Payment architectures
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer

Abstract

There is provided systems and method for automatic completion of online payment forms and recurring payments. The methods include determining if a user is engaged in a financial transaction, requesting permission to use an payment provider to complete the financial transaction, and completing the financial transaction using the payment provider if permission is granted, wherein the payment provider provides user information to complete the financial transaction. The financial transaction may include a payment form including at least one field, a recurring payment, or a payment to a merchant utilized by the user.

Claims

1. A system comprising:

a non-transitory memory; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising;

receiving, by an online service provider, navigation data comprising an Internet address from a service provider application executing on a computing device;

determining from the navigation data that the computing device is at a checkout interface of a website of a merchant associated with the Internet address;

determining an electronic statement associated with the computing device;

determining that an electronic transaction to be processed with the merchant at the website corresponds to a recurring transaction to the merchant based on the electronic statement;

in response to a permission received from the computing device, establishing an automatic transaction to the merchant for the recurring transaction based on the electronic statement and the website; and

when the recurring transaction is due;

automatically accessing a public application programming interface (API) of the website; and

providing, by the online service provider, the automatic transaction for the recurring transaction without the computing device utilizing the service provider application or the website.

2. The system of claim 1, wherein the electronic transaction on the website comprises an electronic payment form on the website that comprises at least one interface field for entry of data.

3. The system of claim 2, wherein the service provider application checks one of a uniform resource locator (URL) or a commerce application corresponding to the electronic payment form to determine that the computing device is engaged in the electronic transaction.

4. The system of claim 1, wherein the operations further comprise:

providing a temporary account number to complete the automatic transaction, wherein the temporary account number comprises one of a temporary credit card number or a temporary funding source account identifier.

5. The system of claim 1, wherein the determining that the electronic transaction corresponds to the recurring transaction comprises:

monitoring a user account utilized by the service provider application to determine if the computing device is engaged in the electronic transaction.

6. The system of claim 1, wherein the operations further comprise:

providing an interface within the service provider application to manage the automatic transaction.

7. The system of claim 1, wherein the electronic transaction was previously performed using the service provider application, and wherein the operations further comprise:

determining settings used by the service provider application for the electronic transaction; and

storing the settings for the recurring transaction.

8. A method comprising:

receiving, by a service provider, navigation data comprising an internet address from a service provider application executing on a computing device;

determining from the navigation data that the computing device is at a checkout interface of a website of a merchant associated with the Internet address;

accessing an electronic statement associated with the computing device;

determining that an electronic transaction to be processed with the merchant at the website corresponds to a recurring transaction with the merchant based on the electronic statement;

in response to receiving a permission from the computing device, establishing an automatic transaction with the merchant for the recurring transaction based on the electronic statement and the website; and

when the recurring transaction is due;

automatically accessing a public application programming interface (API) of the website; and

providing, by the service provider, the automatic transaction for the recurring transaction without the computing device utilizing the service provider application or the website.

9. The method of claim 8, wherein the electronic transaction on the website comprises an electronic form on the website that comprises at least one interface field for entry of data.

10. The method of claim 9, wherein the service provider application checks one of a uniform resource locator (URL) or a commerce application corresponding to the electronic form to determine that the computing device is engaged in the electronic transaction.

11. The method of claim 8, further comprising:

providing a temporary account number to complete the automatic transaction, wherein the temporary account number comprises one of a temporary credit card number or a temporary account identifier.

12. The method of claim 8, wherein the determining that the electronic transaction corresponds to the recurring transaction comprises:

monitoring a user account utilized by the service provider application to determine if the computing device is engaged in the electronic transaction.

13. The method of claim 8, further comprising:

providing an interface within the service provider application to manage the automatic transaction.

14. The method of claim 8, wherein the electronic transaction was previously performed using the service provider application, and wherein the method further comprises:

determining settings used by the service provider application for the electronic transaction; and

storing the settings for the recurring transaction.

15. A non-transitory machine readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

receiving, by a payment provider, navigation data comprising an internet address from a payment provider application executing on a device of a user having an account with the payment provider;

determining from the navigation data that the device is at a checkout interface of a website of a merchant associated with the internet address;

accessing a financial statement associated with the account with the payment provider,

determining that a financial transaction to be processed with the merchant at the website corresponds to a recurring payment to the merchant based on the financial statement;

in response to a permission from the user, establishing an automatic payment to the merchant for the recurring payment using the financial statement and the website; and

when the recurring payment is due;

automatically accessing a public application programming interface (API) of the website; and

providing, by the payment provider, the automatic payment for the recurring payment without the device utilizing the payment provider application or the website.

16. The non-transitory machine readable medium of claim 15, wherein the financial transaction on the website comprises an electronic payment form on the website that comprises at least one interface field for entry of data.

17. The non-transitory machine readable medium of claim 16, wherein the payment provider application checks one of a uniform resource locator (URL) or a commerce application corresponding to the electronic payment form to determine that the device is engaged in the financial transaction.

18. The non-transitory machine readable medium of claim 15, wherein the operations further comprise:

providing a temporary account number to complete the automatic payment, wherein the temporary account number comprises one of a temporary credit card number or a temporary payment account identifier.

19. The non-transitory machine readable medium of claim 15, wherein the determining that the financial transaction corresponds to the recurring payment comprises:

monitoring a user financial account utilized by the payment provider application to determine if the device is engaged in the financial transaction.

20. The non-transitory machine readable medium of claim 15, wherein the financial transaction is previously performed using the payment provider application, and wherein the operations further comprise:

determining payment settings used by the payment provider application for the financial transaction; and

storing the payment settings for the recurring payment.