IP Library › Granted Patent US 12,288,247
Granted Patent B2
US 12,288,247 · App. 18/342,604 · Granted Apr 29, 2025

Method, non-transitory computer-readable storage media, and computing system for embedded one-click checkout

Inventors: Yangxue Zhou (San Francisco, CA); Gregory Richard Greiner (San Francisco, CA)
Assignee: Bolt Financial, Inc.
G06Q30/0637G06Q20/385G06Q20/42G06Q30/0641H04L67/306
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Quick Facts
Patent No.
US 12,288,247
App. No.
18/342,604
Granted
Apr 29, 2025
Kind
B2
Abstract

In one embodiment, a method includes receiving user identifying information in association with a checkout request for an order. The method includes determining that a user account with a transaction processing system associated with the user identifying information does not exist in a database associated with the transaction processing system. The method includes, subsequent to determining that the user account associated with the user identifying information does not exist, receiving payment information for the order from the user. The method includes concurrently receiving an order confirmation and authorization to create a new account with the transaction processing system corresponding to the user identifying information. The method includes facilitating authorization for the order. The method includes storing the received payment information in association with the user identifying information in the database.

Claims (65)

1. A method comprising, by a merchant computing system:

receiving, from a client device, a checkout request for an order, wherein the order is associated with a price;

sending, to the client device, instructions for displaying a user interface that comprises input fields for entering user information and shipping information, wherein the user information comprises a name and an email address, and wherein the shipping information comprises a shipping address;

receiving, from the client device, the user information and the shipping information;

sending, to the client device, instructions for displaying a user interface to select a particular shipping method among one or more shipping methods available for the order;

receiving, from the client device, an indication that the particular shipping method is selected;

retrieving, from a transaction processing system, instructions for generating one or more customized embedded fields for 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, wherein a subset of the one or more customized embedded fields corresponding to the payment information is configured to analyze the payment information to determine whether the payment information is accurate and valid, and wherein input in the one or more customized embedded fields is configured to be transferred from the merchant computing system to the transaction processing system via a secure application programming interface after the subset of the one or more customized embedded fields determine that the payment information is accurate and valid;

causing the client device to display a user interface that comprises the one or more customized embedded fields generated based on the instructions retrieved from the transaction processing system, wherein the user interface further comprises (1) a checkbox that authorizes a creation of a user account associated with the transaction processing system and (2) a button for indicating that information has been inputted into the input fields;

receiving, from the client device, the payment information and an indication of an authorization to create the user account, the indication being based on an interaction with the checkbox;

causing the client device to display a user interface that comprises an input field for entering a phone number;

receiving, from the client device, the phone number; and

automatically causing, in response to receiving the indication of the authorization to create the user account, a database record corresponding to the user account to be stored in a database based on the user information, the shipping information, the payment information, and the phone number.

2. The method of claim 1 , further comprising, after receiving the indication that the particular shipping method is selected:

sending, to the client device, instructions for displaying a user interface that comprises one or more payment methods available for the order, wherein the one or more payment methods include a credit card payment;

receiving, from the client device, an indication that the credit card payment is selected.

3. The method of claim 1 , further comprising:

receiving a subsequent checkout request for a subsequent order;

wherein a communication channel associated with the phone number is used to provide a one-time password (OTP) to authenticate the subsequent checkout request.

4. The method of claim 3 , wherein the user information, the shipping information, and the payment information stored in the database are used for the subsequent checkout request.

5. The method of claim 1 , wherein the database record stored in the database is configured to be used for a subsequent checkout request for a subsequent order that is received by a second merchant computing system.

6. The method of claim 1 , further comprising:

causing a payment for the order to be facilitated by the transaction processing system.

7. One or more computer-readable non-transitory storage media embodying software that is operable when executed by a merchant computing system to:

receive, from a client device, a checkout request for an order, wherein the order is associated with a price;

send, to the client device, instructions for displaying a user interface that comprises input fields for entering user information and shipping information, wherein the user information comprises a name and an email address, and wherein the shipping information comprises a shipping address;

receive, from the client device, the user information and the shipping information;

send, to the client device, instructions for displaying a user interface to select a particular shipping method among one or more shipping methods available for the order;

receive, from the client device, an indication that the particular shipping method is selected;

retrieve, from a transaction processing system, instructions for generating one or more customized embedded fields for 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, wherein a subset of the one or more customized embedded fields corresponding to the payment information is configured to analyze the payment information to determine whether the payment information is accurate and valid, and wherein input in the one or more customized embedded fields is configured to be transferred from the merchant computing system to the transaction processing system via a secure application programming interface after the subset of the one or more customized embedded fields determine that the payment information is accurate and valid;

cause the client device to display a user interface that comprises the one or more customized embedded fields generated based on the instructions retrieved from the transaction processing system, wherein the user interface further comprises (1) a checkbox that authorizes a creation of a user account associated with the transaction processing system and (2) a button for indicating that information has been inputted into the input fields;

receive, from the client device, the payment information and an indication of an authorization to create the user account, the indication being based on an interaction with the checkbox;

cause the client device to display a user interface that comprises an input field for entering a phone number;

receive, from the client device, the phone number; and

automatically cause, in response to receiving the indication of the authorization to create the user account, a database record corresponding to the user account to be stored in a database based on the user information, the shipping information, the payment information, and the phone number.

8. The media of claim 7 , wherein the software is further operable when executed to:

after receiving the indication that the particular shipping method is selected, send, to the client device, instructions for displaying a user interface that comprises one or more payment methods available for the order, wherein the one or more payment methods include a credit card payment;

receive, from the client device, an indication that the credit card payment is selected.

9. The media of claim 7 , wherein the software is further operable when executed to:

receive a subsequent checkout request for a subsequent order;

wherein a communication channel associated with the phone number is used to provide a one-time password (OTP) to authenticate the subsequent checkout request.

10. The media of claim 9 , wherein the user information, the shipping information, and the payment information stored in the database are used for the subsequent checkout request.

11. The media of claim 7 , wherein the database record stored in the database is configured to be used for a subsequent checkout request for a subsequent order that is received by a second merchant computing system.

12. The media of claim 7 , wherein the software is further operable when executed to cause a payment for the order to be facilitated by the transaction processing system.

13. A merchant computing system 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 system to:

receive, from a client device, a checkout request for an order, wherein the order is associated with a price;

send, to the client device, instructions for displaying a user interface that comprises input fields for entering user information and shipping information, wherein the user information comprises a name and an email address, and wherein the shipping information comprises a shipping address;

receive, from the client device, the user information and the shipping information;

send, to the client device, instructions for displaying a user interface to select a particular shipping method among one or more shipping methods available for the order;

receive, from the client device, an indication that the particular shipping method is selected;

retrieve, from a transaction processing system, instructions for generating one or more customized embedded fields for 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, wherein a subset of the one or more customized embedded fields corresponding to the payment information is configured to analyze the payment information to determine whether the payment information is accurate and valid, and wherein input in the one or more customized embedded fields is configured to be transferred from the merchant computing system to the transaction processing system via a secure application programming interface after the subset of the one or more customized embedded fields determine that the payment information is accurate and valid;

cause the client device to display a user interface that comprises the one or more customized embedded fields generated based on the instructions retrieved from the transaction processing system, wherein the user interface further comprises (1) a checkbox that authorizes a creation of a user account associated with the transaction processing system and (2) a button for indicating that information has been inputted into the input fields;

receive, from the client device, the payment information and an indication of an authorization to create the user account, the indication being based on an interaction with the checkbox;

cause the client device to display a user interface that comprises an input field for entering a phone number;

receive, from the client device, the phone number; and

automatically cause, in response to receiving the indication of the authorization to create the user account, a database record corresponding to the user account to be stored in a database based on the user information, the shipping information, the payment information, and the phone number.

14. The system of claim 13 , wherein the processors are further operable when executing the instructions to:

after receiving the indication that the particular shipping method is selected, send, to the client device, instructions for displaying a user interface that comprises one or more payment methods available for the order, wherein the one or more payment methods include a credit card payment;

receive, from the client device, an indication that the credit card payment is selected.

15. The system of claim 13 , wherein the processors are further operable when executing the instructions to:

receive a subsequent checkout request for a subsequent order;

wherein a communication channel associated with the phone number is used to provide a one-time password (OTP) to authenticate the subsequent checkout request.

16. The system of claim 15 , wherein the user information, the shipping information, and the payment information stored in the database are used for the subsequent checkout request.

17. The system of claim 15 , wherein the database record stored in the database is configured to be used for a subsequent checkout request for a subsequent order that is received by a second merchant computing system.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 8, 2023
From: ZHOU, YANGXUE; GREINER, GREGORY RICHARD
To: BOLT FINANCIAL, INC.
Reel/Frame 064527/0975 →
Continuity (2)
Continuation 17240883 · Apr 26, 2021
Related Publication 20230334557A1 · Oct 19, 2023
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Cited By (1)
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