Patent ID: 11922409
Assignee: SKIPIFY, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 15:
16. A computer-implemented method of completing an online transaction initiated via a user computing device, the method comprising:
receiving, by an application server, an unencrypted shopper identifier credential that is associated with a specific user and is input via a checkout user interface, wherein the checkout user interface is associated with the online transaction and is displayed at the user computing device and the unencrypted shopper identifier credential excludes sensitive information associated with the specific user;
in response to the application server receiving the unencrypted shopper identifier credential from the user computing device, generating, by the application server, a first encrypted shopper identifier credential and a second encrypted shopper identifier credential based on the unencrypted shopper identifier credential without the user computing device interacting with a first payment instrument manager, a second payment instrument manager, or a merchant;
sending, by the application server, a first query that includes the first encrypted shopper identifier credential to the first payment instrument manager and a second query that includes the second encrypted shopper identifier credential to the second payment instrument manager; and
when the first encrypted shopper identifier credential is associated with a first account with the first payment instrument manager, receiving, by the application server, a first response from the first payment instrument manager that includes first payment instrument data associated with the first account; and
when the second encrypted shopper identifier credential is associated with a second account with the second payment instrument manager, receiving, by the application server, a second response from the second payment instrument manager that includes second payment instrument data associated with the second account.