Completion of online payment forms and recurring payments by a payment provider systems and methods
First Claim
Patent Images
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.
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Accused Products
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.
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Citations
20 Claims
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1. A system comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method comprising:
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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. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory machine readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
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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. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification