Patent ID: 8762241

Claim:
A method of performing on-line payments, comprising: receiving, by a hardware computer processor of a payment provider, a payment request from a user via a merchant site; determining, by the hardware computer processor, whether the user has a quick pay option with the payment provider; presenting a pop-up payment window on the merchant site, wherein the payment window comprises a field for a user identifier of the quick pay option; receiving information from the payment window, wherein the information comprises a user identifier for the quick pay option, the user identifier being different than a password or PIN for a user account with the payment provider; and processing the payment request based on the information from the payment window and on information from the payment request, wherein the processing comprises determining, based on information about the merchant, one or more limits for the quick pay option for the merchant, and wherein the user identifier is associated with a different per transaction limit or a different expiration date for the quick pay option for use with another merchant site.