Method for configuring guest checkout options

• US 10,475,037 B2
• Filed: 03/30/2016
• Issued: 11/12/2019
• Est. Priority Date: 03/31/2015
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Purves, Thomas, Girish, Aparna
• Primary Examiner(s): Miller, Brittney N
• Application Number:
  US15/085,740
• Publication Number:
  US 20160292682A1
• Time in Patent Office: 1,322 Days
• Field of Search: 705 261, 705 271
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification

Abstract

A computer implemented method of payment. The method includes receiving, via a digital communication network, guest data corresponding to a transaction. The method also includes securely storing guest identifying information in a guest database and determining, via one or more processors, a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method also includes comparing, via the one or more processors, the guest transaction total to a predetermined threshold number of transactions and determining, via the one or more processors, that the guest transaction total is greater than the predetermined threshold number of transactions. Finally, the method includes, in response to the determination that the guest transaction total is greater than the predetermined number threshold number of transactions, removing a guest transaction option.

Claims

1. A computer implemented method of payment, the method comprising:

transmitting, via a digital communications network, a hypertext transfer protocol (HTTP) cookie to a user computing device associated with a user, the HTTP cookie being identifiable as associated with the user;

receiving, via the digital communication network, a guest transaction request for a guest transaction from the user computing device, the guest transaction request including a guest transaction value;

identifying, via one or more processors, the HTTP cookie on the user computing device;

associating, via the one or more processors, the identified HTTP cookie with the user;

determining, via the one or more processors, a guest transaction total based on a number of prior guest transactions associated with the user;

determining, via the one or more processors, that the guest transaction total is greater than a predetermined threshold number of transactions;

determining, via the one or more processors, that the guest transaction value is lower than a predetermined minimum transaction value; and

in response to the determination that the guest transaction total is greater than the predetermined threshold number of transactions and that the guest transaction value is lower than the predetermined minimum transaction value, removing a guest transaction option.

2. The method of claim 1, wherein the HTTP cookie includes guest data comprising at least one of an account number, a credit card number, or a debit card number.

3. The method of claim 1, wherein the HTTP cookie includes guest data comprising an alias that represents at least one of an account number, a credit card number, or a debit card number.

4. The method of claim 1, further comprising determining guest identifying information from guest data included in the HTTP cookie.

5. The method of claim 1, further comprising determining, via the one or more processors, that the guest transaction total is greater than the predetermined threshold number of transactions during a predetermined threshold time period.

6. The method of claim 1, further comprising raising the threshold number of transactions based on the guest transaction value of the guest transaction.

7. The method of claim 1, wherein removing the guest transaction option includes terminating the quest transaction.