Embedded One-Click Checkout With Cross-Merchant Account Recognition
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Solution Overview
Problem
Customers often avoid creating merchant-specific accounts due to the inconvenience of managing multiple logins and security concerns, leading to increased friction in online purchases and inefficiencies for merchants in recommending products and processing orders.
Innovation Solution
A transaction processing system facilitates a one-click checkout by allowing customers to create an account with the system directly, enabling seamless access to saved payment and order information across multiple merchants, using user identifying information to recognize existing accounts and securely store payment information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If customers create merchant-specific accounts to receive benefits like expedited re-ordering and easy access to order history, then customer service and productivity are improved, but device complexity and ease of operation deteriorate due to the burden of remembering multiple account names and passwords
Solution Approach 1:
The patent implements a universal account system where a single account created with a payment processor can be used across multiple different merchants. This multi-functional account eliminates the need for customers to create and remember separate accounts for each merchant, while still providing benefits like expedited re-ordering and order history access at each merchant site through the embedded one-click checkout button.
2Measurement precision
If merchants require customers to register for accounts to access purchase information and order history, then measurement precision and reliability are improved, but loss of time and ease of operation increase due to the friction of account creation and login processes
Solution Approach 1:
The system performs preliminary account creation and information storage during the first checkout process. When a customer makes their initial purchase as a guest, the system automatically creates their account with the payment processor and stores their payment and shipping information. This preliminary action eliminates the need for customers to manually register or re-enter information for subsequent purchases, significantly reducing checkout time while maintaining accurate customer identification.
Solution Approach 2:
The system automatically performs account creation, information storage, and checkout processing without requiring active customer participation. The embedded one-click checkout button automatically retrieves stored customer information and processes the transaction, making the system self-serving and eliminating the time-consuming manual registration and login processes that would otherwise be required.
3Productivity
If merchants allocate computational resources to provide user interfaces and user experience features for return customers, then productivity is improved, but use of energy and device complexity increase
Solution Approach 1:
The payment processor acts as an intermediary system that handles account management and checkout processing centrally. Instead of each merchant needing to build and maintain their own complex user interface and authentication systems, merchants simply embed the payment processor's standardized one-click checkout button in their websites. This intermediary approach significantly reduces the computational resources and complexity that individual merchants must allocate to support return customer functionality.
Data Source
AI summary
In one embodiment, a method includes presenting a guest checkout interface in an application executing on the user computing device, the guest checkout interface being presented in association with an order, receiving user identifying information in association with the order through the guest checkout interface, sending the user identifying information to a computing system associated with a transaction processing system, receiving a notification from the transaction processing system that the user identifying information is not associated with a user account associated with the transaction processing system, receiving payment information and order information for the order through the guest checkout interface, sending the received payment information and order information to the transaction processing system, and presenting an order confirmation and user account creation interface.