Method, user computing device, and computer-readable non-transitory medium for embedded one-click checkout

1 . A method comprising:

presenting, by a user computing device, a guest checkout interface in an application executing on the user computing device, the guest checkout interface being presented in association with an order;

receiving, by the user computing device through the guest checkout interface, user identifying information in association with the order;

sending, by the user computing device, the user identifying information to a computing system associated with a transaction processing system;

receiving, by the user computing device from the transaction processing system, a notification that the user identifying information is not associated with a user account associated with the transaction processing system;

generating, by the user computing device, based on instructions received from the transaction processing system, one or more customized embedded fields within the guest checkout interface for at least entering payment information associated with a credit card, wherein:

the one or more customized embedded fields are configured to receive as input a credit card number and further configured to receive an expiration date, a verification code, or a name associated with the credit card;

a subset of the one or more customized embedded fields is configured to analyze the payment information to determine whether the payment information is accurate and valid; and

input in the one or more customized embedded fields is configured to be transferred to the transaction processing system via a secure application programming interface after the subset of the one or more customized embedded fields determines that the payment information is accurate and valid;

receiving, by the user computing device through the guest checkout interface, the payment information and order information for the order;

sending, by the user computing device to the transaction processing system, the received payment information and order information; and

presenting, by the user computing device, an order confirmation and user account creation interface.

2 . The method of claim 1 , further comprising:

receiving, by the user computing device through the guest checkout interface, a user input corresponding to authorization to create the user account using the received user identifying information, payment information, and order information.

3 . The method of claim 1 , wherein the user identifying information received in association with the order comprises an email address; and

wherein the order information for the order comprises a phone number and shipping address.

4 . The method of claim 1 , further comprising:

presenting, by the user computing device, a second guest checkout interface in the application executing on the user computing device, the second guest checkout interface being presented in association with a second order;

receiving, by the user computing device through the second guest checkout interface, the user identifying information in association with the second order;

sending, by the user computing device, the user identifying information to the transaction processing system;

receiving, by the user computing device from the transaction processing system, payment information and order information stored by the transaction processing system in association with the user identifying information; and

presenting, by the user computing device, an order confirmation interface comprising the payment information and order information received from the transaction processing system.

5 . The method of claim 4 , wherein the order is associated with a first merchant and the second order is associated with a second merchant.

6 . The method of claim 4 , further comprising:

subsequent to receiving the user identifying information in association with the second order, presenting, by the user computing device, an account authorization interface;

receiving input corresponding to a one-time password from the account authorization interface; and

sending the input corresponding to the one-time password to the transaction processing system.

7 . The method of claim 6 , wherein the user computing device receives the payment information and order information stored by the transaction processing system in association with the user identifying information after the transaction processing system verifies the one-time password.

8 . A user computing device comprising:

one or more processors; and

one or more computer-readable non-transitory storage media coupled to one or more of the processors and comprising instructions operable when executed by one or more of the processors to cause the user computing device to perform operations comprising:

presenting, by a user computing device, a guest checkout interface in an application executing on the user computing device, the guest checkout interface being presented in association with an order;

receiving, by the user computing device through the guest checkout interface, user identifying information in association with the order;

sending, by the user computing device, the user identifying information to a computing system associated with a transaction processing system;

receiving, by the user computing device from the transaction processing system, a notification that the user identifying information is not associated with a user account associated with the transaction processing system;

generating, by the user computing device, based on instructions received from the transaction processing system, one or more customized embedded fields within the guest checkout interface for at least entering payment information associated with a credit card, wherein:

the one or more customized embedded fields are configured to receive as input a credit card number and further configured to receive an expiration date, a verification code, or a name associated with the credit card;

a subset of the one or more customized embedded fields is configured to analyze the payment information to determine whether the payment information is accurate and valid; and

input in the one or more customized embedded fields is configured to be transferred to the transaction processing system via a secure application programming interface after the subset of the one or more customized embedded fields determines that the payment information is accurate and valid;

receiving, by the user computing device through the guest checkout interface, the payment information and order information for the order;

sending, by the user computing device to the transaction processing system, the received payment information and order information; and

presenting, by the user computing device, an order confirmation and user account creation interface.

9 . The user computing device of claim 8 , wherein the instructions are further operable when executed by one or more of the processors to cause the user computing device to perform further operations comprising:

receiving, by the user computing device through the guest checkout interface, a user input corresponding to authorization to create the user account using the received user identifying information, payment information, and order information.

10 . The user computing device of claim 8 , wherein the user identifying information received in association with the order comprises an email address; and

wherein the order information for the order comprises a phone number and shipping address.

11 . The user computing device of claim 8 , wherein the instructions are further operable when executed by one or more of the processors to cause the user computing device to perform further operations comprising:

presenting, by the user computing device, a second guest checkout interface in the application executing on the user computing device, the second guest checkout interface being presented in association with a second order;

receiving, by the user computing device through the second guest checkout interface, the user identifying information in association with the second order;

sending, by the user computing device, the user identifying information to the transaction processing system;

receiving, by the user computing device from the transaction processing system, payment information and order information stored by the transaction processing system in association with the user identifying information; and

presenting, by the user computing device, an order confirmation interface comprising the payment information and order information received from the transaction processing system.

12 . The user computing device of claim 11 , wherein the order is associated with a first merchant and the second order is associated with a second merchant.

13 . The user computing device of claim 11 , wherein the instructions are further operable when executed by one or more of the processors to cause the user computing device to perform further operations comprising:

subsequent to receiving the user identifying information in association with the second order, presenting, by the user computing device, an account authorization interface;

receiving input corresponding to a one-time password from the account authorization interface; and

sending the input corresponding to the one-time password to the transaction processing system.

14 . The user computing device of claim 13 , wherein the user computing device receives the payment information and order information stored by the transaction processing system in association with the user identifying information after the transaction processing system verifies the one-time password.

15 . One or more computer-readable non-transitory storage media embodying software that is operable when executed by a user computing device to perform operations comprising:

presenting, by a user computing device, a guest checkout interface in an application executing on the user computing device, the guest checkout interface being presented in association with an order;

receiving, by the user computing device through the guest checkout interface, user identifying information in association with the order;

sending, by the user computing device, the user identifying information to a computing system associated with a transaction processing system;

receiving, by the user computing device from the transaction processing system, a notification that the user identifying information is not associated with a user account associated with the transaction processing system;

generating, by the user computing device, based on instructions received from the transaction processing system, one or more customized embedded fields within the guest checkout interface for at least entering payment information associated with a credit card, wherein:

the one or more customized embedded fields are configured to receive as input a credit card number and further configured to receive an expiration date, a verification code, or a name associated with the credit card;

a subset of the one or more customized embedded fields is configured to analyze the payment information to determine whether the payment information is accurate and valid; and

input in the one or more customized embedded fields is configured to be transferred to the transaction processing system via a secure application programming interface after the subset of the one or more customized embedded fields determines that the payment information is accurate and valid;

receiving, by the user computing device through the guest checkout interface, the payment information and order information for the order;

sending, by the user computing device to the transaction processing system, the received payment information and order information; and

presenting, by the user computing device, an order confirmation and user account creation interface.

16 . The media of claim 15 , wherein the software is further operable when executed by the user computing device to perform further operations comprising:

receiving, by the user computing device through the guest checkout interface, a user input corresponding to authorization to create the user account using the received user identifying information, payment information, and order information.

17 . The media of claim 15 , wherein the user identifying information received in association with the order comprises an email address; and

wherein the order information for the order comprises a phone number and shipping address.

18 . The media of claim 15 , wherein the software is further operable when executed by the user computing device to perform further operations comprising:

presenting, by the user computing device, a second guest checkout interface in the application executing on the user computing device, the second guest checkout interface being presented in association with a second order;

receiving, by the user computing device through the second guest checkout interface, the user identifying information in association with the second order;

sending, by the user computing device, the user identifying information to the transaction processing system;

receiving, by the user computing device from the transaction processing system, payment information and order information stored by the transaction processing system in association with the user identifying information; and

presenting, by the user computing device, an order confirmation interface comprising the payment information and order information received from the transaction processing system.

19 . The media of claim 18 , wherein the order is associated with a first merchant and the second order is associated with a second merchant.

20 . The media of claim 18 , wherein the software is further operable when executed by the user computing device to perform further operations comprising:

subsequent to receiving the user identifying information in association with the second order, presenting, by the user computing device, an account authorization interface;

receiving input corresponding to a one-time password from the account authorization interface; and

sending the input corresponding to the one-time password to the transaction processing system.