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

Claim 9:
10. A transaction management system, comprising:
a non-transitory memory storing instructions; and
a processor configured to execute the instructions to cause the transaction management system to:
access a merchant payment authorization request, received from a merchant device at a first time, 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;
establish an active session between the user device and the transaction management system;
authenticate, during the active session, a user on the user device;
generate, based on at least one customer account associated with the user and the merchant payment authorization request, a checkout token associated with the user device during the active session responsive to authenticating the user on the user device, wherein the checkout token is transmissible via near field communication (NFC) messaging, and wherein the checkout token is generated to provide at least one account number associated with the at least one customer account in a message field of an NFC message corresponding to the checkout token;
load the checkout token to the user device using the NFC message;
cause a first screen to be displayed on the merchant device, wherein the first screen includes a checkout request to read an NFC component of the user device using the merchant device receive a checkout token;
update, in response to identifying the checkout token and based on the merchant payment authorization request, a pending transaction in association with the at least one customer account associated with the user of the user device;
access an updated merchant payment authorization request, received from the merchant device with the checkout token at a second time after the first time, for the transaction between the merchant device and the user device, the updated merchant payment authorization request including finalized transaction details with a transaction amount for the transaction, wherein the active session has ended with the user device at the second time;
extract the at least one account number from the checkout token;
identify the at least one customer account using the extracted at least one account number; and
authorize, 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 identified at least one customer account.