Embedded One-Click Checkout Using Shared Processor Accounts

The patent implements a universal account system that functions across multiple merchants. A single account created with the payment processor enables customers to store purchase information and access order history at any merchant using the same payment processor, eliminating the need for separate merchant-specific accounts while maintaining the convenience of stored information across the entire ecosystem of participating merchants.

The payment processor acts as an intermediary between customers and merchants. Instead of customers directly interacting with each merchant's account system, the payment processor mediates by providing a unified account management layer that handles authentication, stored information, and order history access across all participating merchants, thereby reducing the complexity of managing multiple merchant accounts.

The system performs preliminary account creation and information storage during the initial checkout process. When a customer makes their first purchase, the payment processor automatically creates an account and stores relevant purchase information without requiring a separate registration step. This preliminary action enables expedited re-ordering in future transactions while eliminating the time loss associated with explicit registration processes.

The system enables self-service account creation where the account is automatically generated based on information already provided during checkout. The customer's email address or other identifying information from the initial purchase is used to automatically create the account and populate it with purchase history, eliminating the need for manual account setup and reducing the time required to access benefits.

The patent extracts the account management functionality from individual merchant systems and relocates it to the payment processor. This extraction allows merchants to focus on their core retail operations while the payment processor handles customer identification, account maintenance, and purchase history tracking. The result is improved measurement precision for tracking customer purchases across merchants without increasing complexity at the merchant level.

The system merges account management capabilities across multiple merchants into a unified payment processor platform. By combining the account infrastructure that would otherwise exist separately at each merchant, the system achieves precise customer identification across purchases while reducing overall system complexity through consolidation and shared resources.