System and method for default payment setting

Abstract

A consumer accesses a secure area of a transaction account website and provides their login information for retail websites. The transaction account issuer or a third party creates a script that logs in to the retail websites on behalf of the consumer and transmits transaction account information associated with the transaction account. The script sets the transaction account as the default payment method for the retail website. The transaction account information may be evergreen, such that whenever the transaction account information changes, the script updates the retail websites.

1 . A computer-implemented method comprising:
 running, by a computer-based system, a roboscripting on the computer-based system such that the computer-based system logs into the merchant account via a merchant portal by using merchant login credentials from the consumer; and   sending code, by the computer-based system using the roboscripting in real-time and in response to consumer permission, to the merchant account on the merchant server such that the default payment setting module runs as a roboscript to instruct the merchant account to convert, based on the consumer permission, the transaction account to an online default payment method to expedite the online checkout process.   
     
     
         2 . The method of  claim 1 , further comprising accessing, by the computer-based system and using the roboscripting and using the merchant login credentials, a merchant account associated with the consumer, wherein the merchant account is located on a merchant server. 
     
     
         3 . The method of  claim 1 , further comprising determining, by the computer-based system, whether the transaction account is the online default payment method provided in the merchant account on the merchant server. 
     
     
         4 . The method of  claim 1 , further comprising transmitting, by the computer-based system, a request to the consumer seeking the consumer permission to set the transaction account as the online default payment method on the merchant account on the merchant server. 
     
     
         5 . The method of  claim 1 , further comprising transmitting, by the computer-based system using the roboscripting in real-time, updated transaction account information associated with the transaction account to the merchant account on the merchant server in response to the consumer updating in real-time the transaction account information and to expedite the online checkout process. 
     
     
         6 . The method of  claim 1 , wherein the running the roboscripting is completed by a default payment setting module. 
     
     
         7 . The method of  claim 1 , further comprising validating, by the computer-based system, transaction account login credentials for a transaction account associated with a consumer, by comparing to stored transaction account login credentials in a database. 
     
     
         8 . The method of  claim 1 , further comprising displaying, by the computer-based system, on a graphical user interface, a plurality of merchants. 
     
     
         9 . The method of  claim 1 , further comprising requesting, by the computer-based system, merchant login credentials associated with the consumer, wherein the merchant login credentials are entered by the consumer via an online interface associated with the computer-based system. 
     
     
         10 . The method of  claim 1 , further comprising determining, by the computer-based system, that merchant login credentials have changed. 
     
     
         11 . The method of  claim 1 , further comprising requesting, by the computer-based system, new merchant login credentials from the consumer, in response to merchant login credentials having been changed. 
     
     
         13 . The method of  claim 1 , further comprising
 determining, by the computer-based system, that the consumer is not associated with a merchant account; and   creating, by the computer-based system, a merchant account associated with the consumer.   
     
     
         14 . The method of  claim 6 , further comprising prompting, by the computer-based system, the user to select from a plurality of individual accounts associated with the transaction account to make the online default payment method. 
     
     
         15 . The method of  claim 1 , further comprising notifying, by the computer-based system, the consumer that the transaction account was set as the online default payment method. 
     
     
         16 . The method of  claim 1 , further comprising offering, by the computer-based system, a reward to the consumer, wherein the reward comprises at least one of loyalty points, a discount on fees, a lower annual percentage rate, waiving an annual fee associated with the transaction account, upgrading a status of the transaction account, upgrading a status of a third-party account, providing access to a club, providing access to discounted products, upgrading a consumer account to a VIP status, providing a preferred bidding status to an item in an auction, providing a preferred access to an item in an auction, or providing a loaded smart card. 
     
     
         17 . The method of  claim 1 , further comprising:
 determining, by the computer-based system, that the merchant login credentials have changed;   requesting, by the computer-based system, new merchant login credentials from the consumer; and   determining, by the computer-based system, that the transaction account is not the online default payment method for the merchant account.   
     
     
         18 . The method of  claim 11 , further comprising transmitting, by the computer-based system and in response to receiving the updated billing address, the updated billing address to the merchant account. 
     
     
         19 . A system comprising:
 a processor,   a tangible, non-transitory memory configured to communicate with the processor,   the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:
 running, by the processor, a roboscripting on the processor such that the processor logs into the merchant account via a merchant portal by using merchant login credentials from the consumer; and 
 sending code, by the processor using the roboscripting in real-time and in response to consumer permission, to the merchant account on the merchant server such that the default payment setting module runs as a roboscript to instruct the merchant account to convert, based on the consumer permission, the transaction account to an online default payment method to expedite the online checkout process. 
   
     
     
         20 . An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system, cause the computer-based system to perform operations comprising:
 running, by the computer-based system, a roboscripting on the computer-based system such that the computer-based system logs into the merchant account via a merchant portal by using merchant login credentials from the consumer; and   sending code, by the computer-based system using the roboscripting in real-time and in response to consumer permission, to the merchant account on the merchant server such that the default payment setting module runs as a roboscript to instruct the merchant account to convert, based on the consumer permission, the transaction account to an online default payment method to expedite the online checkout process.