System and method for providing third party payments with non-integrated merchants
A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.
1. A system comprising:
a processor that dynamically intercepts retailer data from a third party website associated with a merchant system using browser-executable code of a browser widget that interacts with the third party website and that is linked to a customer account via a secure channel, wherein the retailer data comprises an item that has been added to a checkout list and a transaction value associated with the item;
an analysis processor that analyzes the intercepted retailer data in relation to account data pertaining to a customer to determine whether the customer is eligible for a non-integrated payment option associated with an issuer system that is (i) independent from and unassociated with the merchant system and (ii) linked to the analysis processor using the secure channel for the item added to the checkout list, wherein the non-integrated payment option includes additional means of payment, the eligibility for the non-integrated payment option being based on one or more factors, the one or more factors comprising a level of riskiness associated with transaction of the item; and
a presentation processor that dynamically generates, utilizing the browser widget linked to the customer account, a display function to display a selectable option enabling use of the non-integrated payment option that is provided to a user interface of a device associated with the customer, wherein the presentation processor receives an acceptance of the non-integrated payment option from the user interface of the device associated with the customer in response to the provided non-integrated payment option from the presentation processor, wherein the presentation processor matches the transaction value and a timestamp against the customer account, wherein a popup message is provided, by the presentation processor, to the user interface of the device associated with the customer that both, in a single display, informs the customer of a sufficient balance to purchase the item and warns the customer of potential impact on a financial status associated with the balance, and wherein transaction data is transmitted via the browser widget to the issuer system for processing a payment to purchase the item according to the non-integrated payment option, the merchant system receiving authentication for the transaction data.
2. The system of claim 1 , wherein the analysis processor analyzes the intercepted retailer data and account data to determine whether the account data indicates that the customer associated with the account data has enough of a credit line to purchase the item on the third party website.
3. The system of claim 1 , wherein the analysis processor analyzes the intercepted retailer data and the account data to determine whether the account data indicates that the customer associated with the account data has enough rewards points to redeem the item on the third party web site.
4. The system of claim 1 , wherein the analysis processor analyzes the intercepted retailer data and the account data to determine whether the account data indicates that the customer associated with the account data qualifies for a credit limit increase or an alternate credit line to purchase the item on the third party website.
5. The system of claim 1 , wherein the third party website is an e-commerce website.
6. The system of claim 1 , wherein the secure channel is a read-only application program interface.
7. The system of claim 1 , wherein the secure channel is a direct service link to the issuer system.
8. The system of claim 1 , wherein the transaction data comprises a value of the transaction and a time of transmission.
9. The system of claim 1 , wherein the browser-executable code is customer-enabled.
10. A method comprising:
dynamically intercepting, using a processor configured to execute a browser plugin that interacts with a third party website associated with a merchant system and that is linked to a customer account via a secure channel, retailer data from the third party website, wherein the retailer data comprises an item that has been added to a checkout list and a transaction value associated with the item;
analyzing, using an analysis processor, the intercepted retailer data in relation to account data pertaining to a customer to determine whether the customer is eligible for a non-integrated payment option associated with an issuer system that is (i) independent from and unassociated with the merchant system and (ii) linked to the analysis processor using the secure channel for the item added to the checkout list, wherein the non-integrated payment option includes additional means of payment, the eligibility for the non-integrated payment option being based on one or more factors, the one or more factors comprising a level of riskiness associated with transaction of the item;
generating, by a presentation processor utilizing the browser plugin linked to the customer account, a display function to display a selectable option enabling use of the non-integrated payment option that is provided to a user interface of a device associated with the customer;
receiving, at the presentation processor, an acceptance of the non-integrated payment option from the user interface of the device associated with the customer in response to the provided non-integrated payment option from the presentation processor;
matching, by the presentation processor, the transaction value and a timestamp against the customer account;
providing, by the presentation processor, a popup message to the user interface of the device associated with the customer that both, in a single display, informs the customer of a sufficient balance to purchase the item and warns the customer of potential impact on a financial status associated with the balance; and
transmitting, via the browser plugin, transaction data to the issuer system for processing a payment to purchase the item according to the non-integrated payment option, the merchant system receiving authentication for the transaction data.
11. The method of claim 10 , further comprising analyzing, using the analysis processor, the intercepted retailer data and the account data to determine whether the account data indicates that the customer associated with the account data has enough of a credit line to purchase the item on the third party web site.
12. The method of claim 10 , further comprising analyzing, using the analysis processor, the intercepted retailer data and the account data to determine whether the account data indicates that the customer associated with the account data has enough rewards points to redeem the item on the third party website.
13. The method of claim 10 , further comprising analyzing, using the analysis processor, the intercepted retailer data and the account data to determine whether the account data indicates that the customer associated with the account data qualifies for a credit limit increase or an alternate credit line to purchase the item on the third party website.
14. The method of claim 10 , wherein the third party website is an e-commerce website.
15. The method of claim 10 , wherein the secure channel is a read-only application program interface.
16. The method of claim 10 , wherein the secure channel is a direct service link to the issuer system.
17. The method of claim 10 , wherein the transaction data comprises a value of the transaction and a time of transmission.
18. The method of claim 10 , wherein the browser plugin is customer-enabled.