Granted Patent B2

US 12,556,613 · App. 18/681,821 · Granted Feb 17, 2026

Inventors: Manoj Kannembath (San Francisco, CA); Manjush Gopinatha Menon (San Francisco, CA)

Assignee: Visa International Service Association

H04L67/146G06Q20/02G06Q20/12G06Q30/0601

Abstract

Claims (75)

1 . A method for providing access to resources, the method comprising performing, by a resource provider computer:

during a first web session with a client device:

providing a first web page to the client device, the first web page including a first option to complete a first access request with the resource provider computer as a guest for access to a first resource;

receiving a first selection of the first option from the client device;

providing a second web page including a second option to remember the client device;

in response to receiving a second selection of the second option from the client device, sending a remember flag to a server computer;

receiving a recognition identifier from the server computer;

storing the recognition identifier;

providing a third web page to the client device, the third web page including input elements to fill in user information;

receiving the user information from the client device, wherein the user information includes a unique identifier; and

sending the user information to the server computer, wherein the server computer has an account with payment information linked to the unique identifier;

during a second web session with the client device:

receiving a third selection of the first option from the client device for a second access request;

obtaining the recognition identifier;

sending the recognition identifier to the server computer;

receiving the unique identifier and the payment information from the server computer;

transmitting the unique identifier to one or more other server computers to obtain a list of payment information, wherein the list of payment information includes the payment information from the server computer and other payment information from the one or more other server computers;

receiving the other payment information;

providing the list of payment information to the client device; and

providing resource information for a second resource to the server computer to complete the second access request.

2 . The method of claim 1 , wherein the user information comprises contact information and shipping information.

3 . The method of claim 2 , wherein the unique identifier is the contact information, wherein the contact information includes an e-mail address and/or a phone number.

4 . The method of claim 1 , further comprising:

receiving, from the server computer, a message with an input box;

providing, to the client device, the message;

receiving, from the client device, the input box with a one-time code; and

sending the input box with the one-time code to the server computer.

5 . The method of claim 1 , further comprising:

storing the user information in the client device.

6 . The method of claim 5 , wherein the user information can be saved as a cookie in a web browser.

7 . The method of claim 1 , further comprising:

during the first web session:

receiving, from the server computer, the payment information;

processing the first access request using the payment information; and

sending, to the client device, a checkout confirmation.

8 . The method of claim 1 , wherein the client device accesses the first web session and the second web session using a web browser.

9 . The method of claim 8 , wherein the recognition identifier is stored as a cookie.

10 . The method of claim 1 , wherein the client device accesses the first web session and the second web session using a native application.

11 . The method of claim 1 , further comprising:

during the second web session, fetching user information in the client device.

12 . The method of claim 1 , further comprising:

during the second web session:

transmitting a checkout request to the server computer;

receiving a checkout response from the server computer;

requesting payload information to the server computer; and

receiving the payload information from the server computer.

13 . The method of claim 12 , wherein the payload information includes additional credential information required to complete the second access request.

14 . A computer system comprising:

a processor;

a network interface; and

a non-transitory computer-readable medium comprising code for instructing the processor to implement a method for providing access to resources, the method comprising performing:

during a first web session with a client device:

providing a first web page to the client device, the first web page including a first option to complete a first access request as a guest for access to a first resource;

receiving a first selection of the first option from the client device;

providing a second web page including a second option to remember the client device;

in response to receiving a second selection of the second option from the client device, sending a remember flag to a server computer;

receiving a recognition identifier from the server computer;

storing the recognition identifier;

providing a third web page to the client device, the third web page including input elements to fill in user information;

receiving the user information from the client device, wherein the user information includes a unique identifier; and

sending the user information to the server computer, wherein the server computer has an account with payment information linked to the unique identifier;

during a second web session with the client device:

receiving a third selection of the first option from the client device for a second access request;

obtaining the recognition identifier;

sending the recognition identifier to the server computer;

receiving the unique identifier and the payment information from the server computer;

transmitting the unique identifier to one or more other server computers to obtain a list of payment information, wherein the list of payment information includes the payment information from the server computer and other payment information from the one or more other server computers;

receiving the other payment information;

providing the list of payment information to the client device; and

providing resource information for a second resource to the server computer to complete the second access request.

15 . The computer system of claim 14 , wherein the method further comprises:

receiving, from the server computer, a message with an input box;

providing, to the client device, the message;

receiving, from the client device, the input box with a one-time code; and

sending the input box with the one-time code to the server computer.

Assignments (1)

Continuity (2)

References Cited (9)