Providing payment options without requiring online shop integration
Initiation of a purchase at an online shop or other retailer can be detected. In addition to, or instead of a payment method integrated with the online shop, one or more alternative payment services that are not integrated with the online shop or retailer can be considered for selection. A non-integrated payment service can be selected based on terms offered by the non-integrated payment service. The selected goods or services can be paid for by the non-integrated payment service using a virtual credit card. The user can reimburse the non-integrated payment service under the terms offered by the non-integrated payment service.
1. A method for providing a non-integrated payment service for an online shop, the method comprising:
detecting, by one or more processors, that a purchase has been initiated at the online shop;
selecting, by the one or more processors, transparently to a user and without knowledge of the user, a non-integrated payment service from a plurality of non-integrated payment services;
creating, by the one or more processors, transparently to the user and without knowledge of the user, a user account on behalf of the user;
adding, by the one or more processors, items from a first shopping cart to a second shopping cart associated with the user account, wherein the second shopping cart is associated with a backend server; and
paying, by the one or more processors, for the items in the second shopping cart utilizing a virtual payment device associated with the selected non-integrated payment service.
2. The method of claim 1 further comprising:
performing a risk evaluation of the user; and
forwarding results of the risk evaluation to the plurality of non-integrated payment services, wherein at least one of the plurality of non-integrated payment services is configured to determine terms of an offer based, at least in part, on the results of the risk evaluation;
wherein selecting the non-integrated payment service is based, at least in part, on the terms of the offer.
3. The method of claim 1 further comprising receiving offers of payment methods from the plurality of non-integrated payment services.
4. The method of claim 1 , wherein the virtual payment device comprises a virtual credit card.
5. The method of claim 1 , wherein the virtual payment device is supplied by the selected non-integrated payment service.
6. The method of claim 1 , wherein the selected non-integrated payment service is selected by the user.
7. The method of claim 1 further comprising detecting items in the first shopping cart.
8. The method of claim 1 , wherein the adding of items from the first shopping cart to the second shopping cart is undertaken by at least one of:
copying the items from the first shopping cart into the second shopping cart using a computing device of the user;
accessing a web page for each of the items in the first shopping cart and autonomously clicking to have the respective items added to the second shopping cart; and
accessing a uniform resource locator (URL) associated with the first shopping cart and copying the URL into the second shopping cart.
9. A non-transitory machine-readable medium having instructions stored thereon, the instructions comprising computer executable instructions that when executed, cause one or more processors to:
detect that a purchase has been initiated at an online shop;
select, transparently to a user and without knowledge of the user, a non-integrated payment service from a plurality of non-integrated payment services;
create a user account on behalf of the user and transparently to the user and without knowledge of the user;
add items from a first shopping cart to a second shopping cart associated with the user account, wherein the second shopping cart is associated with a backend server; and
pay for the items in the second shopping cart utilizing a virtual payment device associated with the selected non-integrated payment service.
10. The non-transitory machine-readable medium of claim 9 , wherein the computer executable instructions further comprise computer executable instructions to:
perform a risk evaluation of the user; and
forward results of the risk evaluation to the plurality of non-integrated payment services, wherein at least one of the plurality of non-integrated payment services is configured to determine terms of an offer based, at least in part, on the results of the risk evaluation;
wherein the selection of the non-integrated payment service is based, at least in part, on the terms of the offer.
11. The non-transitory machine-readable medium of claim 10 , wherein the computer executable instructions further comprise computer executable instructions to receive offers of payment methods from the plurality of non-integrated payment services.
12. The non-transitory machine-readable medium of claim 9 , wherein the virtual payment device comprises a virtual credit card.
13. The non-transitory machine-readable medium of claim 9 , wherein the virtual payment device is supplied by the selected non-integrated payment service.
14. The non-transitory machine-readable medium of claim 9 , wherein the computer executable instructions further comprise computer executable instructions to detect items in the first shopping cart.
15. The non-transitory machine-readable medium of claim 9 , wherein the adding of items from the first shopping cart to the second shopping cart is undertaken by at least one of:
copying the items from the first shopping cart into the second shopping cart using a computing device of the user;
accessing a web page for each of the items in the first shopping cart and autonomously clicking to have the respective items added to the second shopping cart; and
accessing a uniform resource locator (URL) associated with the first shopping cart and copying the URL into the second shopping cart.
16. A system for providing a non-integrated payment service for an online shop, the system comprising:
a backend server;
one or more processors; and
a non-transitory machine-readable medium having computer executable instructions stored thereon, that when executed, cause the one or more processors to:
detect that a purchase has been initiated at the online shop;
select, transparently to a user and without knowledge of the user, a non-integrated payment service from a plurality of non-integrated payment services;
create a user account on behalf of the user, transparently to the user and without knowledge of the user;
add items from a first shopping cart to a second shopping cart associated with the user account, wherein the second shopping cart is associated with the backend server; and
pay for the items in the second shopping cart utilizing a virtual payment device associated with the selected non-integrated payment service.
17. The system of claim 16 , wherein the computer executable instructions further comprise computer executable instructions to:
perform a risk evaluation of the user; and
forward results of the risk evaluation to the plurality of non-integrated payment services, wherein at least one of the plurality of non-integrated payment services is configured to determine terms of an offer based, at least in part, on the results of the risk evaluation;
wherein the selection of the non-integrated payment service is based, at least in part, on the terms of the offer.
18. The system of claim 17 , wherein the computer executable instructions further comprise computer executable instructions to receive offers of payment methods from the plurality of non-integrated payment services.
19. The system of claim 16 , wherein the virtual payment device comprises a virtual credit card.
20. The system of claim 16 , wherein the virtual payment device is supplied by the selected non-integrated payment service.
21. The system of claim 16 , wherein the computer executable instructions further comprise computer executable instructions to detect items in the first shopping cart.
22. The system of claim 16 , wherein the adding of items from the first shopping cart to the second shopping cart is undertaken by at least one of:
copying the items from the first shopping cart into the second shopping cart using a computing device of the user;
accessing a web page for each of the items in the first shopping cart and autonomously clicking to have the respective items added to the second shopping cart; and
accessing a uniform resource locator (URL) associated with the first shopping cart and copying the URL into the second shopping cart.