PRE-POPULATION OF MERCHANT CHECK-OUT ENTRY FIELDS

• US 20110191177A1
• Filed: 01/25/2011
• Published: 08/04/2011
• Est. Priority Date: 01/29/2010
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Upton, Michael W., Blackhurst, Jason
• Application Number:
  US13/013,691
• Publication Number:
  US 20110191177A1
• Time in Patent Office: Days
• US Class Current: 705/14.51
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0641 Shopping interfaces

Abstract

Embodiments of the invention provide for systems, devices, apparatus, methods and computer program products for pre-population of data entry fields in a merchant checkout system. Based on the offer program customer'"'"'s relationship with the financial institution and the financial institution relationship with the merchants the check-out system is able to leverage these relationships to provide for a more efficient check-out process.

Claims

1. A method for providing data entry for a merchant transaction, the method comprising:

receiving, at a computing device, a customer input that indicates the customer'"'"'s desire to initiate a transaction with a merchant; and

communicating, via a computing device processor, to a merchant server in response to receipt of the customer input, financial institution-stored customer-specific transaction information that is configured to pre-populate data entry fields in a merchant'"'"'s check-out system.

2. The method of claim 1, wherein communicating the transaction information further comprises communicating, via the computing device processor, the financial institution-stored customer transaction information, wherein the transaction information includes payment information.

3. The method of claim 2, wherein communicating the transaction information further comprises communicating, via the computing device processor, the payment information, wherein the payment information includes a single-use payment identifier.

4. The method of claim 3, wherein communicating the transaction information further comprises communicating, via the computing device processor, the payment information, wherein the payment information includes the single use payment identifier that is configured to provide payment from one or more customer-configured payment accounts.

5. The method of claim 4, further comprising determining, via a computing device processor, the one or more customer-configured payment accounts based on customer-configured payment criteria.

6. The method of claim 5, further comprising determining, via a computing device processor, the one or more customer-configured payment accounts based on the customer-configured payment criteria, wherein the payment criteria includes one or more of transaction amount, transaction product type or transaction date.

7. The method of claim 1, wherein communicating the transaction information further comprises communicating, via the computing device processor, the financial institution-stored customer transaction information, wherein the transaction information includes one or more of shipping information, billing information and personal information.

8. The method of claim 1, further comprises communicating, via a computing device processor, to the customer, one or more merchant offers associated with a financial institution-based merchant offer program, wherein the merchant offer is a basis for the online transaction.

9. The method of claim 8, further comprising verifying, at a computing device, authentication of the customer prior to communicating the one or more merchant offers.

10. The method of claim 9, wherein communicating the one or more merchants offers further comprises communicating, via the computing device, to the financial institution customer, the one or more merchants offers, wherein the merchant offers are pre-approved merchant offers, wherein the pre-approved merchant offers provide for the financial institution to extend credit to the customer as payment for a transaction associated with a pre-approved merchant offer.

11. The method of claim 10, further comprising determining, via a computing device processor, the one or more pre-approved merchant offers based on one or more of the current customer account balances, current customer credit rating or customer credit history.

12. The method of claim 8, further comprising verifying, at a computing device, authentication of the financial institution customer after receiving the offer acceptance communication and prior to communicating the transaction information.

13. The method of claim 8, further comprising:

receiving, via a computing device, a transaction confirmation from a merchant that confirms the transaction; and

automatically indicating, via a computing device processor, in a transaction record associated with the transaction, that the merchant is guaranteed payment by the financial institution.

14. An apparatus for providing data entry for an online merchant transaction, the apparatus comprising:

a computing platform including at least one processor and a memory; and

a financial institution-based transaction tracking application stored in the memory, executable by the processor and configured to receive a customer input that indicates the customer'"'"'s desire to initiate a transaction with a merchant; and

a transaction information routine stored in the memory, executable by the processor and configured to communicate, to a merchant server in response to receipt of the customer input, financial institution-stored customer-specific transaction information that pre-populates entry fields in the merchant'"'"'s check-out system.

15. The apparatus of claim 14, wherein the transaction information routine is further configured to communicate the financial institution-stored customer transaction information, wherein the transaction information includes payment information.

16. The apparatus of claim 15, wherein the transaction information routine is further configured to communicate the payment information, wherein the payment information includes a single-use payment identifier.

17. The apparatus of claim 16, wherein the transaction information routine is further configured to communicate the payment information, wherein the payment information includes the single use payment identifier that is configured to provide payment from one or more customer-configured payment accounts.

18. The apparatus of claim 16, further comprising a payment determining routine configured to determine the one or more customer-configured payment accounts based customer-configured payment criteria.

19. The apparatus of claim 18, wherein the payment determining routine is further configured to determine the one or more customer-configured payment accounts based on the customer-configured payment criteria, wherein the payment criteria includes one or more of transaction amount, transaction product type or transaction date.

20. The apparatus of claim 14, wherein the transaction information routine is further configured to communicate the financial institution-stored customer transaction information, wherein the transaction information includes one or more of shipping information, billing information and personal information.

21. The apparatus of claim 14, further comprising a merchant offer program application stored in the memory, executable by the processor, including the financial institution-based transaction tracking application and configured to communicate one or more merchant offers to a financial institution customer and to receive the customer input that indicates the customer'"'"'s desire to accept one of the merchant offers and initiate the online transaction with an online merchant.

22. The apparatus of claim 21, wherein the merchant offer program application is further configured to verify authentication of the financial institution customer prior to communicating the one or more merchant offers.

23. The apparatus of claim 22, wherein the merchant offer program application is further configured to communicate, to the financial institution customer, one or more pre-approved merchants offers, wherein the pre-approved merchant offers provide for the financial institution to extend credit to the customer as payment for a transaction associated with a pre-approved merchant offer.

24. The apparatus of claim 22, further comprising a pre-approved offer determination routine stored in the memory, executable by the processor and configured to determine the one or more pre-approved merchant offers based on one or more of the current customer account balances, current customer credit rating or customer credit history.

25. The apparatus of claim 21, wherein the merchant offer program application is further configured to verify authentication of the financial institution customer after receiving the offer acceptance communication and prior to communicating the transaction information.

26. The apparatus of claim 21, wherein the merchant offer program application is further configured to receive a transaction confirmation from a merchant that confirms the transaction and automatically indicate, in a transaction record associated with the transaction, that the merchant is guaranteed payment by the financial institution.

27. A computer program product comprising:

a computer-readable medium comprising;

a first set of codes for causing a computer to receive a customer input that indicates the customer'"'"'s desire to initiate a transaction with a merchant; and

a second set of codes for causing a computer to communicate to a merchant server in response to receipt of the customer input, financial institution-stored customer-specific transaction information that is configured to pre-populate data entry fields in a merchant'"'"'s check-out system.

28. The computer program product of claim 27, wherein the second set of codes is further configured to cause the computer to communicate the financial institution-stored customer transaction information, wherein the transaction information includes payment information.

29. The computer program product of claim 28, wherein the second set of codes is further configured to cause the computer to communicate the payment information, wherein the payment information includes a single-use payment identifier.

30. The computer program product of claim 28, wherein the second set of codes is further configured to cause the computer to communicate the payment information, wherein the payment information includes the single use payment identifier that is configured to provide payment from one or more customer-configured payment accounts.

31. The computer program product of claim 30, further comprising a third set of codes for causing a computer to determine the one or more customer-configured payment accounts based on customer-configured payment criteria.

32. The computer program product of claim 31, wherein the third set of codes is further configured to cause the computer to determine the one or more customer-configured payment accounts based on the customer-configured payment criteria, wherein the payment criteria includes one or more of transaction amount, transaction product type or transaction date.

33. The computer program product of claim 27, wherein the second set of codes is further configured to cause the computer to communicate the financial institution-stored customer transaction information, wherein the transaction information includes one or more of shipping information, billing information and personal information.

34. The computer program product of claim 27, further comprising a third set of codes for a causing a computer to communicate, to the customer, one or more merchant offers associated with a financial institution-based merchant offer program, wherein the merchant offer is a basis for the transaction.

35. The computer program product of claim 34, further comprising a fourth set of codes for causing a computer to verify authentication of the customer prior to communicating the one or more merchant offers.

36. The computer program product of claim 35, wherein the third set of codes is further configured to communicate, to the financial institution customer, the one or more merchants offers, wherein the merchant offers are pre-approved merchant offers, wherein the pre-approved merchant offers provide for the financial institution to extend credit to the customer as payment for a transaction associated with a pre-approved merchant offer.

37. The computer program product of claim 36, further comprising a fifth set of codes for causing a computer to determine the one or more pre-approved merchant offers based on one or more of the current customer account balances, current customer credit rating or customer credit history.

38. The computer program product of claim 34, further comprising a fourth set of codes for causing a computer to verify authentication of the financial institution customer after receiving the offer acceptance communication and prior to communicating the transaction information.

39. The computer program product of claim 27, further comprising a third set of codes for causing a computer to receive a transaction confirmation from a merchant that confirms the transaction and a fourth set of codes for causing a computer to automatically indicate in a transaction record associated with the transaction, that the merchant is guaranteed payment by the financial institution.