System and method for simplified checkout with payment float

摘要

In various embodiments, a system and method for providing simplified checkout with payment float are provided. In example embodiments, an identifier that corresponds to a payment account of a user is received at a payment provider system. A determination is made that the identifier corresponds to a payment account of the user at the payment provider system. A determination is made to provide a float option to float payment for the user in a payment transaction involving a merchant system. A user interface providing the float option is presented to the user. If the user selects the float option, payment is floated to the user and the user agrees to pay back the floated payment within a predetermined time period.

主权项

1. A tangible machine-readable storage device storing instructions which, when executed by the at least one processor of a machine, cause the machine to perform operations for providing simplified checkout at a website of a merchant system using account information provided by a payment provider system, the operations comprising:
receiving, at the payment provider system via a network from the merchant system, an API call including an indication to complete a transaction using a third party payment service of the payment provider system without a user leaving the website of the merchant system, the payment provider system being distinct from the merchant system; in response to the API call, causing, by the payment provider system, the merchant system to present an identifier interface while the user remains on the website of the merchant system; receiving, at the payment provider system, an identifier associated with a user, the identifier received via the identifier interface presented on a device of the user; determining that the received identifier corresponds to a payment account of the user at the payment provider system; in response to the determining the identifier corresponds to the payment account of the user, assessing a risk for providing a float option without prior user selection of the float option, the float option to float payment for the user in a payment transaction involving the merchant system; and in response to a determination that the risk is low and the user is approved for the float option, causing the merchant system to replace the identifier interface with a user interface providing the float option to the user, the user interface being presented while the user continues to remain on the webpage of the merchant system.