Patent ID: 11922485
Assignee: PAYPAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. A non-transitory machine-readable medium comprising instructions which, when executed by a computer system, cause the computer system to perform operations comprising:
receiving, from a merchant website presented on a device, a request to process a transaction between a user of the device and a merchant associated with the merchant website, the request indicating a streamlined checkout;
retrieving, based on the request and from the device, cookies storing (i) an indication of whether the device is a private device and (ii) information that is related to a primary funding source and a back-up funding source associated with an account with a payment service provider and that is captured during a previous session with the device, wherein the information related to the primary funding source and the back-up funding source is at least partially masked;
determining that the device is eligible for the streamlined checkout based on the indication stored in the cookies;
in response to determining that the device is eligible for the streamlined checkout, extracting, from the cookies, the information related to the primary funding source and the back-up funding source;
without requiring the user to login to the account with the payment service provider, presenting, on the device, a user interface associated with the payment service provider, wherein the user interface is different from the merchant website and includes the information related to the primary funding source and the back-up funding source;
receiving, via the user interface, a selection of one of the primary funding source or the back-up funding source;
retrieving payment data associated with the one of the primary funding source or the back-up funding source based on the information and the selection of the one of the primary funding source or the back-up funding source, wherein the payment data comprises unmasked data associated with the one of the primary funding source or the back-up funding source;
processing the transaction based in part on the payment data; and
subsequent to the processing the transaction, redirecting the device from the user interface back to the merchant website.