Granted Patent B1

US 12,586,122 · App. 19/255,783 · Granted Mar 24, 2026

Inventors: Yangxue Zhou (San Francisco, CA); Gregory Richard Greiner (San Francisco, CA)

Assignee: Bolt Financial, Inc.

G06Q30/06333G06F9/451G06Q10/083H04L67/306

Abstract

Claims (69)

1 . A method comprising, by a processing system:

receiving, from a provider system, information associated with a first processing request for a first interaction, wherein the information associated with the first processing request comprises a user identifying information associated with a user;

sending, to the provider system, instructions for generating customized embedded fields within a graphical user interface displayed on a computing device associated with the user, wherein:

the customized embedded fields within the graphical user interface are configured to receive as input data associated with a digital instrument; and

a subset of the customized embedded fields within the graphical user interface is configured to analyze the data associated with the digital instrument to determine whether the data associated with the digital instrument is accurate and valid;

receiving, from the provider system, the data associated with the digital instrument;

receiving, from the provider system, a confirmation for the first interaction and an indication that the user has provided authorization to create a user profile with the processing system;

facilitating an authorization for the first interaction; and

automatically creating, in response to receiving the indication that the user has provided authorization to create the user profile with the processing system, the user profile in a database and associating the user profile with the information associated with the first processing request, the data associated with the digital instrument, and the user identifying information associated with the user.

2 . The method of claim 1 , wherein input in the customized embedded fields within the graphical user interface is configured to be transferred from the provider system to the processing system via a secure application programming interface after the subset of the customized embedded fields within the graphical user interface determines that the data associated with the digital instrument is accurate and valid.

3 . The method of claim 1 , wherein the subset of the customized embedded fields within the graphical user interface is configured with security features for protecting the data associated with the digital instrument.

4 . The method of claim 1 , wherein the digital instrument is a credit card, and wherein the data associated with the digital instrument comprises a credit card number.

5 . The method of claim 1 , wherein the information associated with the first processing request further comprises a price associated with the first interaction, a user name, a shipping address, and an identification of a shipping method selected by the user.

6 . The method of claim 1 , further comprising:

sending, to the provider system, a notification of a successful authorization for the first interaction.

7 . The method of claim 1 , wherein the graphical user interface displays a checkbox for authorizing a creation of the user profile with the processing system.

8 . The method of claim 1 , wherein the graphical user interface displays an additional input field for an additional user identifying information associated with the user, further comprising receiving the additional user identifying information.

9 . The method of claim 8 , further comprising, subsequent to creating the user profile in the database:

receiving, from a second provider system, information associated with a second processing request for a second interaction, wherein the information associated with the second processing request comprises a second user identifying information;

determining that the second user identifying information matches the additional user identifying information received in association with the first interaction;

retrieving, from the database, the information associated with the first processing request and the data associated with the digital instrument received in association with the first interaction; and

facilitating an authorization for the second interaction using the information associated with the first processing request and the data associated with the digital instrument received in association with the first interaction.

10 . The method of claim 9 , further comprising, prior to facilitating the authorization for the second interaction:

causing a second graphical user interface to be displayed on the computing device associated with the user;

sending a first one-time password via a communication channel associated with the second user identifying information;

receiving a second one-time password via the second graphical user interface; and

determining whether the second one-time password matches the first one-time password.

11 . The method of claim 9 , wherein the user profile is associated with a preferred digital instrument, further comprising, prior to facilitating the authorization for the second interaction:

causing the preferred digital instrument to be presented in a checkout interface on the computing device associated with the user; and

receiving a confirmation for the second interaction via the checkout interface, wherein the confirmation comprises a selection of a digital instrument from the user.

12 . The method of claim 9 , wherein the user profile is associated with a preferred shipping address and a preferred shipping method, further comprising, prior to facilitating the authorization for the second interaction:

causing the preferred shipping address and the preferred shipping method to be presented in a checkout interface on the computing device associated with the user; and

receiving a confirmation for the second interaction via the checkout interface, wherein the confirmation comprises a shipping address and a shipping method selected by the user.

13 . One or more computer-readable non-transitory storage media embodying software that is operable when executed, by a processing system, to:

receive, from a provider system, information associated with a first processing request for a first interaction, wherein the information associated with the first processing request comprises a user identifying information associated with a user;

send, to the provider system, instructions for generating customized embedded fields within a graphical user interface displayed on a computing device associated with the user, wherein:

the customized embedded fields within the graphical user interface are configured to receive as input data associated with a digital instrument; and

a subset of the customized embedded fields within the graphical user interface is configured to analyze the data associated with the digital instrument to determine whether the data associated with the digital instrument is accurate and valid;

receive, from the provider system, the data associated with the digital instrument;

receive, from the provider system, a confirmation for the first interaction and an indication that the user has provided authorization to create a user profile with the processing system;

facilitate an authorization for the first interaction; and

automatically create, in response to receiving the indication that the user has provided authorization to create the user profile with the processing system, the user profile in a database and associate the user profile with the information associated with the first processing request, the data associated with the digital instrument, and the user identifying information associated with the user.

14 . The media of claim 13 , wherein input in the customized embedded fields within the graphical user interface is configured to be transferred from the provider system to the processing system via a secure application programming interface after the subset of the customized embedded fields within the graphical user interface determines that the data associated with the digital instrument is accurate and valid.

15 . The media of claim 13 , wherein the digital instrument is a credit card, and wherein the data associated with the digital instrument comprises a credit card number.

16 . The media of claim 13 , wherein the graphical user interface displays an additional input field for an additional user identifying information associated with the user, further comprising receiving the additional user identifying information.

17 . The media of claim 16 , wherein the software is further operable when executed to, subsequent to creating the user profile in the database:

receive, from a second provider system, information associated with a second processing request for a second interaction, wherein the information associated with the second processing request comprises a second user identifying information;

determine that the second user identifying information matches the additional user identifying information received in association with the first interaction;

retrieve, from the database, the information associated with the first processing request and the data associated with the digital instrument received in association with the first interaction; and

facilitate an authorization for the second interaction using the information associated with the first processing request and the data associated with the digital instrument received in association with the first interaction.

18 . The media of claim 17 , wherein the software is further operable when executed to, prior to facilitating the authorization for the second interaction:

cause a second graphical user interface to be displayed on the computing device associated with the user;

send a first one-time password via a communication channel associated with the second user identifying information;

receive a second one-time password via the second graphical user interface; and

determine whether the second one-time password matches the first one-time password.

19 . The media of claim 17 , wherein the user profile is associated with a preferred digital instrument, wherein the software is further operable when executed to, prior to facilitating the authorization for the second interaction:

cause the preferred digital instrument to be presented in a checkout interface on the computing device associated with the user; and

receive a confirmation for the second interaction via the checkout interface, wherein the confirmation comprises a selection of a digital instrument from the user.

20 . A processing 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 processing system to:

receive, from a provider system, information associated with a first processing request for a first interaction, wherein the information associated with the first processing request comprises a user identifying information associated with a user;

send, to the provider system, instructions for generating customized embedded fields within a graphical user interface displayed on a computing device associated with the user, wherein:

the customized embedded fields within the graphical user interface are configured to receive as input data associated with a digital instrument; and

a subset of the customized embedded fields within the graphical user interface is configured to analyze the data associated with the digital instrument to determine whether the data associated with the digital instrument is accurate and valid;

receive, from the provider system, the data associated with the digital instrument;

receive, from the provider system, a confirmation for the first interaction and an indication that the user has provided authorization to create a user profile with the processing system;

facilitate an authorization for the first interaction; and

automatically create, in response to receiving the indication that the user has provided authorization to create the user profile with the processing system, the user profile in a database and associate the user profile with the information associated with the first processing request, the data associated with the digital instrument, and the user identifying information associated with the user.

Assignments (1)

Continuity (2)

References Cited (19)