Patent ID: 11961065
Assignee: PAYPAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
receiving, by a transaction management system from a merchant device, a merchant payment authorization request for a transaction between the merchant device and a user device, the merchant payment authorization request issued prior to transaction details of the transaction being finalized;
establishing an active session between the user device and the transaction management system based on the receiving the merchant payment authorization request;
authenticating, during the active session, a user of the user device for conducting transactions with the merchant device;
responsive to determining that the user has been authenticated, formatting a checkout token with a primary account number associated with the user, wherein the primary account number is provided in a message field of a near field communication (NFC) message corresponding to the checkout token;
transmitting the checkout token to the user device;
causing a first screen to be displayed on the merchant device by the transaction management system, wherein the first screen includes a checkout request to read an NFC component of the user device to transmit the checkout token to the merchant device;
updating, by the transaction management system and based on the merchant payment authorization request, a pending transaction in association with at least one customer account associated with the user of the user device;
receiving, by the transaction management system from the merchant device, the checkout token and an updated merchant payment authorization request that includes finalized transaction details with a transaction amount for the transaction;
determining an absence of the active session based on the checkout token being unable to be matched to the active session;
determining the primary account number from the field of the NFC message corresponding to the checkout token;
determining that the user device was authenticated for conducting the transaction during the active session prior to the absence of the active session; and
authorizing, independent of establishing a new session to authenticate the user device for conducting the transaction, the transaction based on the updated merchant payment authorization request, the updated pending transaction, and the checkout token received from the merchant device.