Improved digital commerce with consumer controlled payment part

Abstract

An improved digital commerce transaction in which the shopping part and the payment part are separated in time, and the timing of the payment part is controlled by the consumer. A consumer completes the shopping part, checks out, and receives confirmation from the merchant that the transaction has been completed. For consumer's having a risk profile with the merchant, the merchant fulfills the order and ships the items prior to the consumer initiating the payment part. For consumer's not having a risk profile, initiation of the payment part is controlled by the consumer, at a time and place ofhis / her choosing. After checking-out, the consumer receives a message that includes an invoice and a link selectable by the consumer. When the consumer selects the link, he / she begins the payment part of the transaction.

Description

[0001] Cross References to Related Applications [0002] This application claims the benefit and priority of U.S. Patent Application Serial No. 15 / 597,557, filed May 17, 2017. The entire disclosure of the above application is incorporated herein by reference. technical field [0003] The present invention relates to improvements to digital commerce shopping using handheld computing devices. Background technique [0004] Ease of access and ease of access are two reasons why digital commerce continues to gain popularity and serve as the preferred way to shop. Combined with the ubiquity of mobile devices and the increasing capabilities and availability of such devices, digital commerce enables consumers to buy anything, anytime, anywhere, entirely at their discretion. However, while the digital commerce process is simple, it still requires consumers to provide certain details before the shopping experience is complete. For example, once a consumer has selected an item and pl...

AI Technical Summary

Problems solved by technology

However, entering personal and payment information during checkout using a handheld device is inconvenient in this and other situations

If the consumer does not complete the transaction by providing the required information, the items he / she selects and places in the shopping cart may not be reserved for the consumer

Additionally, it is a challenge for merchants to provide displays for handheld devices that facilitate the payment process and make it easier and more convenient for consumers

Furthermore, with the introduction of new payment methods such as electronic mobile wallets, prepaid cards, bank account debits, the real estate on handheld devices becomes congested and results in a poor consumer experience

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