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

Claim 0:
1. A computer-implemented method of providing payment methods for 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, wherein the first query requests a first indication that the first encrypted shopper identifier credential is associated with a first payment method available to the specific user via the first payment instrument manager and the second query requests a second indication that the second encrypted shopper identifier credential is associated with a second payment method is available to the specific user via the second payment instrument manager;
receiving, by the application server, a first response from the first payment instrument manager that includes the first indication and a second response from the second payment instrument manager that includes the second indication; and
based on the first response, causing, by the application server, the checkout user interface to be modified with a first selection field, wherein the first selection field corresponds to the first payment method; and
based on the second response, causing, by the application server, the checkout user interface to be modified with a second selection field, wherein the second selection field corresponds to the second payment method.