Providing information without authentication
First Claim
Patent Images
1. A system, comprising:
- a first server system that operates in a first network domain, wherein the first server system stores a database that maintains a plurality of payment identifier profiles associated with an owner, and a plurality of service provider profiles, individual payment identifier profiles of the plurality of payment identifier profiles including transaction account information of the owner; and
a second server system that operates in a second network domain that is distinct from the first network domain, wherein the second server system hosts a service provider site of a service provider, the service provider site being configured to serve a page to a user device, the page including first content served by the first server system and second content served by the second server system, wherein the second content pertains to an item available for purchase via the service provider site in response to the site being accessed by the user device, and wherein the first content comprises a widget that allows a user of the user device to engage in a transaction with the service provider to consume or obtain the item;
wherein the first server system is configured with computer-executable instructions that are executable on one or more processors to;
provide a service for enabling users to engage in transactions on service provider sites outside the first network domain without having to create accounts with, and without having to supply the transaction account information to the service provider site;
respond to a browser request from the user device for the first content by returning the widget to the user device;
receive, from the second server system, information about the item;
receive, from the user device, a payment identifier associated with a payment identifier profile of the plurality of payment identifier profiles;
access, from the database and without authenticating the user, the payment identifier profile to determine a shipping option, a billing address, and a purchase history associated with the payment identifier;
access, from the database, a service provider profile of the plurality of service provider profiles that is associated with the service provider to determine a cost of the item, a shipping cost associated with the shipping option, a tax rate associated with the billing address, and promotion information;
determine broken-out costs associated with the payment identifier, the broken-out costs including;
the shipping cost;
a sales tax based at least in part on the tax rate and the cost of the item; and
a promotional discount based at least in part on the promotion information and the purchase history;
determine a fully-landed cost of the item based at least in part on the cost of the item and the broken-out costs;
respond to a browser request from the user device by returning to the user device, via the widget, an indication of the fully-landed cost of the item, the indication being made available without authenticating that the user of the user device is the owner of the payment identifier; and
in response to returning, to the user device, the indication of the fully-landed cost and in response to receiving an indication from the user device that approves a purchase of the item using the payment identifier, authenticate the user by determining that the user is the owner of the payment identifier.
1 Assignment
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Accused Products
Abstract
Techniques for providing information to a user without requiring the user to authenticate are described herein. In some instances, a user enters a payment identifier for the purpose of determining a fully-landed cost of one or more items. In response, a transaction processing service compares item details with information associated with the payment identifier and/or information about the owner of the identifier. The service may then provide this identifier-specific fully-landed cost to the user without requiring the user to authenticate or prove that she is the owner of the payment identifier.
213 Citations
26 Claims
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1. A system, comprising:
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a first server system that operates in a first network domain, wherein the first server system stores a database that maintains a plurality of payment identifier profiles associated with an owner, and a plurality of service provider profiles, individual payment identifier profiles of the plurality of payment identifier profiles including transaction account information of the owner; and a second server system that operates in a second network domain that is distinct from the first network domain, wherein the second server system hosts a service provider site of a service provider, the service provider site being configured to serve a page to a user device, the page including first content served by the first server system and second content served by the second server system, wherein the second content pertains to an item available for purchase via the service provider site in response to the site being accessed by the user device, and wherein the first content comprises a widget that allows a user of the user device to engage in a transaction with the service provider to consume or obtain the item; wherein the first server system is configured with computer-executable instructions that are executable on one or more processors to; provide a service for enabling users to engage in transactions on service provider sites outside the first network domain without having to create accounts with, and without having to supply the transaction account information to the service provider site; respond to a browser request from the user device for the first content by returning the widget to the user device; receive, from the second server system, information about the item; receive, from the user device, a payment identifier associated with a payment identifier profile of the plurality of payment identifier profiles; access, from the database and without authenticating the user, the payment identifier profile to determine a shipping option, a billing address, and a purchase history associated with the payment identifier; access, from the database, a service provider profile of the plurality of service provider profiles that is associated with the service provider to determine a cost of the item, a shipping cost associated with the shipping option, a tax rate associated with the billing address, and promotion information; determine broken-out costs associated with the payment identifier, the broken-out costs including; the shipping cost; a sales tax based at least in part on the tax rate and the cost of the item; and a promotional discount based at least in part on the promotion information and the purchase history; determine a fully-landed cost of the item based at least in part on the cost of the item and the broken-out costs; respond to a browser request from the user device by returning to the user device, via the widget, an indication of the fully-landed cost of the item, the indication being made available without authenticating that the user of the user device is the owner of the payment identifier; and in response to returning, to the user device, the indication of the fully-landed cost and in response to receiving an indication from the user device that approves a purchase of the item using the payment identifier, authenticate the user by determining that the user is the owner of the payment identifier. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 13)
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12. A system comprising:
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a first server system that operates in a first network domain, wherein the first server system stores a database that maintains a plurality of payment identifier profiles associated with an owner, and a plurality of service provider profiles, individual payment identifier profiles of the plurality of payment identifier profiles including transaction account information of the owner; and a second server system that operates in a second network domain that is distinct from the first network domain, wherein the second server system hosts a service provider site of a service provider, the service provider site being configured to serve a page to a user device, the page including first content served by the first server system and second content served by the second server system, wherein the second content pertains to an item available for purchase via the service provider site in response to the site being accessed by the user device, and wherein the first content comprises a widget that allows a user of the user device to engage in a transaction with the service provider to consume or obtain the item; wherein the first server system comprises one or more processors and one or more computer-readable media storing; the database; and computer-executable instructions that, when executed on the one or more processors, are operable to; provide a service for enabling users to engage in transactions on service provider sites outside the first network domain without having to create accounts with, and without having to supply the transaction account information to the service provider site; respond to a browser request from the user device for the first content by returning the widget to the user device; receive, from the second server system, information about the item in response to the service provider site being accessed by the user device; receive a transaction phrase token from the user device, the transaction phrase token being associated with a payment identifier profile of the plurality of payment identifier profiles, the payment identifier profile including a payment instrument; identify, in the payment identifier profile upon accessing the database, first information usable to determine a shipping cost, a sales tax, and a promotional discount; identify, in a service provider profile of the plurality of service provider profiles that is associated with the service provider upon accessing the database, second information usable, in combination with the first information, to determine the shipping cost, the sales tax, and the promotional discount; determine, based on the first information and the second information, the shipping cost, the sales tax and the promotional discount; determine a fully-landed cost of the item based at least in part on a cost of the item, the shipping cost, the sales tax, and the promotional discount; respond to a browser request from the user device by causing a display, via the widget, of an indication of the fully-landed cost of the item on the user device, the indication being displayed without authenticating that the user of the user device is the owner of the transaction phrase token; and in response to causing the display, on the user device, of the indication of the fully-landed cost and in response to receiving an indication from the user device that approves a purchase of the item using the transaction phrase token, authenticate the user by determining that the user is the owner of the transaction phrase token. - View Dependent Claims (14, 15, 16, 17, 18, 19)
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20. A method comprising:
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operating a first server system in a first network domain to store a database that maintains a plurality of payment identifier profiles associated with an owner, and a plurality of service provider profiles, individual payment identifier profiles of the plurality of payment identifier profiles including transaction account information of the owner; operating a second server system in a second network domain that is distinct from the first network domain, wherein the second server system hosts a service provider site of a service provider, the service provider site being configured to serve a page to a user device, the page including first content served by the first server system and second content served by the second server system, wherein the second content pertains to an item available for purchase via the service provider site in response to the site being accessed by the user device, and wherein the first content comprises a widget that allows a user of the user device to engage in a transaction with the service provider to consume or obtain the item; providing, by the first server system, a service for enabling users to engage in transactions on service provider sites outside the first network domain without having to create accounts with, and without having to supply the transaction account information to the service provider site; responding, by the first server system, to a browser request from the user device for the first content by returning the widget to the user device; receiving, by the first server system from the second server system, information about the item accessed by the user device on the service provider site of the service provider; receiving, by the first server system from the user device, a payment identifier that the user device provided via the site, the payment identifier being associated with a payment identifier profile of the plurality of payment identifier profiles; accessing, by the first server system, the database to identify, from among the plurality of payment identifier profiles associated with the owner, the payment identifier profile; identifying, by the first server system, in the payment identifier profile, first information usable to determine a shipping cost, a sales tax, and a promotional discount; accessing, by the first server system, the database to identify, from among the plurality of service provider profiles, a service provider profile associated with the service provider; identifying, by the first server system, in the service provider profile, second information usable, in combination with the first information, to determine the shipping cost, the sales tax, and the promotional discount; determining, by the first server system, based on the first information and the second information, the shipping cost, the sales tax, and the promotional discount; determining, by the first server system, a fully-landed cost of the item based at least in part on a cost of the item, the shipping cost, the sales tax, and the promotional discount; responding, by the first server system, to a browser request from the user device by causing presentation, via the widget, of an indication of the fully-landed cost of the item on the user device, the indication being presented without authenticating that the user of the user device is the owner of the payment identifier; and in response to causing the presentation, on the user device, of the indication of the fully-landed cost and in response to receiving an indication from the user device that approves a purchase of the item using the payment identifier, authenticating, by the first server system, the user by determining that the user is the owner of the payment identifier. - View Dependent Claims (21, 22, 23, 24, 25, 26)
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Specification