Importance

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Abstract

The One-Click Checkout system (“OCC”) generates dynamic checkout user interfaces with improved checkout success rates. This may be achieved via receiving, by a merchant client (e.g., app or web site), a user input that reflects a user interest in engaging in a payment transaction with the merchant. The merchant client may retrieve persisted information associated with a suggested payment method registered with a payment service provider. The merchant client may transmit at least a portion of the persisted information and transaction information to the payment service provider server, and receive one or more responses that include a risk indicator and payment-service-provider information associated with the suggested payment method. If the risk assessment is acceptable, the merchant client may generate a user interface that includes a representation of the suggested payment method using information selected from one or both of the persisted information and payment-service-provider information.

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First Claim