Integrating externally-supplied interface component into transaction platform

• US 10,417,706 B1
• Filed: 05/11/2016
• Issued: 09/17/2019
• Est. Priority Date: 05/12/2015
• Status: Active Grant

• Current Assignee: Lon Operations, LLC (Alliance Data Systems Corporation)
• Original Assignee: Lon Operations, LLC (Alliance Data Systems Corporation)
• Inventors: Simon, Daniel
• Primary Examiner(s): Boveja, Namrata
• Assistant Examiner(s): Patel, Amit
• Application Number:
  US15/151,556
• Time in Patent Office: 1,224 Days
• Field of Search: 705 272, 705 35
• CPC Class Codes: G06F 3/04817 using icons graphical or visual programming using iconic symbols G06F8/34
• CPC Class Codes: G06F 3/04842 Selection of displayed objects or displayed text elements G06F3/0482 takes precedence
• CPC Class Codes: G06F 40/174 Form filling; Merging
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 30/0643 Graphical representation of items or shoppers
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A method relating to providing a program embedded in an online store user interface (UI) displaying content provided by an online store server, transmitting a first instruction to the program to generate a first display of a first form in one of an inline frame element or a pop-up element in the online store UI to collect data associated with a loan application, determining to approve a loan in view of the data associated with the loan application, determining to approve a loan in view of the data associated with the loan application, transmitting a second instruction to the program to generate a second display of a second form in the one of the inline frame element or the pop-up element in the online store UI to present a term of the loan, identifying a token associated with the loan, and transmitting the token to the online store server.

Claims

1. A method comprising:

providing, by a processing device executing a loan provider server, a program embedded in an online store user interface (UI) displaying content associated with a merchandise item available for purchase via a transaction platform provided by an online store server, wherein the program is associated with a visual icon presented on the online store UI;

in response to receiving a first request generated by a selection of the visual icon, transmitting a first instruction to the program to generate a first display of a first form in one of an inline frame element or a pop-up element in the online store UI to collect data associated with a loan application associated with a transaction corresponding to the merchandise item;

in response to receiving a submission of the data associated with the loan application, determining to approve a loan associated with the merchandise item in view of the data associated with the loan application;

transmitting a second instruction to the program to generate a second display of a second form in the one of the inline frame element or the pop-up element in the online store UI to present a term of the loan associated with the merchandise item;

in response to receiving a second request generated by receiving an acceptance of the term of the loan, generating, by the processing device executing the loan provider server, a token comprising an identifier corresponding to the loan and the transaction; and

transmitting the token to one of the online store server or an application interface associated with the online store server, wherein the token is processed to enable completion of the transaction.

2. The method of claim 1, wherein the visual icon is provided by one of the loan provider server in the inline frame element or by the online store server via the online store UI.

3. The method of claim 1, wherein the first request comprises an identifier of the merchandise item offered via the online store UI and a price associated with the merchandise item, and wherein the second request comprises a confirmation to complete the transaction.

4. The method of claim 3, further comprising:

in response to receiving the second request, transmitting a third request to the program for a shipping address for the merchandise item;

in response to receiving the shipping address, transmitting the shipping address and the price associated with the merchandise item to one of the online store server or the application interface associated with the online store server;

receiving, from one of the online store server or the application interface associated with the online store server, a total cost associated with the merchandise item, wherein the total cost comprises at least one of a sales tax or a shipping cost associated with the merchandise item; and

transmitting, to the program, a monthly payment calculated based on the total cost to provide the monthly payment in a third form in one of the inline frame element or the pop-up element.

5. The method of claim 1, further comprising:

in response to receiving the second request, transmitting an inquiry to the online store UI to identify context information associated with the web page;

in response to receiving the context information, determining a message to be displayed on the visual icon based on the context information; and

transmitting the message to the online store UI to provide the message on the visual icon.

6. The method of claim 5, wherein the context information comprises a price associated with merchandise item presented via the online store UI, and wherein the message comprises an installment payment amount and a number of installment payments relating to the loan for paying off the merchandise item.

7. The method of claim 5, wherein the context information comprises price information associated with a plurality of merchandise items presented in a shopping cart of the online store UI, and wherein the message comprises an installment payment amount and a number of installment payments relating to the loan for paying off a total price for the plurality of merchandise items, wherein the plurality of merchandise items comprises the merchandise item.

8. The method of claim 5, further comprising:

receiving, from the online store UI, an update to the context information, wherein the update is generated in response to a modification to the content provided by the online store server;

determining a second message to be displayed on the visual icon based on the update to the context information, wherein the second message comprises a second installment payment amount and a second number of second installment payments relating to the loan for paying off a second merchandise item presented on the second web page; and

transmitting the second message to the online store UI to provide the second message via the visual icon.

9. The method of claim 1, wherein the online store UI is provided on a user device that is communicatively connected to the online store server and the loan provider server via at least one of a wired or wireless network.

10. The method of claim 1, wherein the token is randomly generated, and wherein the method further comprises:

storing the randomly-generated token in a secured memory.

11. A non-transitory machine-readable storage medium storing instructions which, when executed, cause a processing device associated with a loan provider server to:

provide a program embedded in an online store user interface (UI) displaying content associated with a merchandise item available for purchase via a transaction platform provided by an online store server, wherein the program is associated with a visual icon presented on the online store UI;

in response to receiving a first request generated by a selection of the visual icon, transmit a first instruction to the program to generate a first display of a first form in one of an inline frame element or a pop-up element in the online store UI to collect data associated with a loan application associated with a transaction corresponding to the merchandise item;

in response to receiving a submission of the data associated with the loan application, determining to approve a loan associated with the merchandise item in view of the data associated with the loan application;

transmit a second instruction to the program to generate a second display of a second form in the one of the inline frame element or the pop-up element in the online store UI to present a term of the loan;

in response to receiving a second request generated by receiving an acceptance of the term of the loan, generate, by the processing device executing the loan provider server, a token comprising an identifier corresponding to the loan and the transaction; and

transmit the token to one of the online store server or an application interface associated with the online store server, wherein the token is processed to enable completion of the transaction.

12. The non-transitory machine-readable storage medium of claim 11, wherein the visual icon is provided by one of the loan provider server in the inline frame element or by the online store server on the online store UI, wherein the first request comprises an identifier of the merchandise item offered on the online store UI and a price associated with the merchandise item, and wherein the second request comprises a confirmation to complete a sale of the merchandise item.

13. The non-transitory machine-readable storage medium of claim 12, wherein the processing device is further configured to:

in response to receiving the second request, transmit a third request to the program for a shipping address for the merchandise item;

in response to receiving the shipping address, transmit the shipping address and the price associated with the merchandise item to one of the online store server or the application interface associated with the online store server;

receive, from one of the online store server or the application interface associated with the online store server, a total cost associated with the merchandise item, wherein the total cost comprises at least one of a sales tax or a shipping cost associated with the merchandise item; and

transmit, to the program, a monthly payment calculated based on the total cost to provide the monthly payment in a third form in one of the inline frame element or the pop-up element.

14. The non-transitory machine-readable storage medium of claim 11, wherein the processing device is further configured to:

in response to receiving the second request, transmit an inquiry to the online store UI to identify a context information associated with the web page; and

in response to receiving the context information, determine a message to be displayed via the visual icon based on the context information; and

transmit the message to the online store UI to provide the message via the visual icon.

15. The non-transitory machine-readable storage medium of claim 14, wherein the context information comprises a price associated with the merchandise item presented on the online store UI, and wherein the message comprises an installment payment amount and a number of installment payments relating to the loan for paying off the merchandise item.

16. The non-transitory machine-readable storage medium of claim 11, wherein the online store UI is provided on a user device that is communicatively connected to the online store server and the loan provider server via at least one of a wired or wireless network.

17. A system comprising:

a memory, and

a processing device, communicatively coupled to the memory, executing a loan provider server to;

provide a program embedded in an online store user interface (UI) displaying content associated with a merchandise item available for purchase via a transaction platform provided by an online store server, wherein the program is associated with a visual icon presented on the online store UI;

in response to receiving a first request generated by a selection of the visual icon, transmit a first instruction to the program to generate a first display of a first form in one of an inline frame element or a pop-up element in the online store UI to collect data associated with a loan application associated with a transaction corresponding to the merchandise item;

in response to receiving a submission of the data associated with the loan application, determining to approve a loan associated with the merchandise item in view of the data associated with the loan application;

transmit a second instruction to the program to generate a second display of a second form in the one of the inline frame element or the pop-up element in the online store UI to present a term of the loan;

in response to receiving a second request generated by receiving an acceptance of the term of the loan, generate, by the processing device executing the loan provider server, a token comprising an identifier corresponding to the loan and the transaction; and

transmit the token to one of the online store server or an application interface associated with the online store server, wherein the token is processed to enable completion of the transaction.

18. The system of claim 17, wherein the visual icon is provided by one of the loan provider server in the inline frame element or by the online store server on the online store UI, wherein the first request comprises an identifier of the merchandise item offered on the online store UI and a price associated with the merchandise item, and wherein the second request comprises a confirmation to complete a sale of the merchandise item.

19. The system of claim 18, wherein the processing device is further configured to:

in response to receiving the second request, transmit a third request to the program for a shipping address for the merchandise item;

in response to receiving the shipping address, transmit the shipping address and the price associated with the merchandise item to one of the online store server or the application interface associated with the online store server;

receive, from one of the online store server or the application interface associated with the online store server, a total cost associated with the merchandise item, wherein the total cost comprises at least one of a sales tax or a shipping cost associated with the merchandise item; and

transmit, to the program, a monthly payment calculated based on the total cost to provide the monthly payment in a third form in one of the inline frame element or the pop-up element.

20. The system of claim 17, wherein the processing device is further configured to:

in response to receiving the second request, transmit an inquiry to the online store UI to identify context information associated with the web page; and

in response to receiving the context information, determine a message to be displayed on the visual icon based on the context information; and

transmit the message to the online store UI to provide the message on the visual icon.