System and method for providing third party payments with non-integrated merchants

Abstract

A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.

What is claimed is: 
     
         1 . A non-transitory, computer readable medium comprising code for a browser widget that, when executed by a processor, cause the processor to:
 monitor interactions between a customer device and a third-party website associated with a merchant system, a user of the customer device being associated with a payment account, the payment account being serviced by an issuer system that is independent from and unassociated with the merchant system;   responsive to detecting a potential purchase of one or more items or services from the third-party website, obtain retailer data from the third-party website, the retailer data comprising a transaction amount associated with the one or more items or services to be purchased from the third-party website;   determine, based at least in part on the retailer data and account data associated with the payment account, that a purchase by the user is eligible for an applicable payment option associated with the payment account;   output instructions for displaying, on a display of the customer device a selectable option associated with paying the transaction amount via the applicable payment option; and   responsive to receiving, from the customer device, an indication of selection of the selectable option, transmit, to the issuer system, customer-inputted transaction data comprising information indicative of the applicable payment option, such that the issuer system is enabled to process a payment for purchase of the one or more items or services to be purchased from the third-party website by:
 debiting the transaction amount from the payment account; and 
 creating an expense equal to the transaction amount in an expense account that is separate and distinct from the payment account such that payment of the transaction amount is shifted from the payment account to the expense account. 
   
     
     
         2 . The non-transitory, computer readable medium of  claim 1 , wherein creating the expense in the expense account is performed subsequent to completion of the purchase of the one or more items or services. 
     
     
         3 . The non-transitory, computer readable medium of  claim 1 , wherein repayment of the transaction amount by the user is serviced in relation to the expense account. 
     
     
         4 . The non-transitory, computer readable medium of  claim 1 , wherein detecting the potential purchase of one or more items or services from the third-party website comprises at least one of:
 selection of an item or service for purchase;   presentation, by the third-party website, of a shopping cart list indicative of one or more items selected for purchase;   presentation, by the third-party website, of a payment information interface;   presentation, by the third-party website, of one or more integrated payment options; and   receipt of a request to determine whether the purchase by the user is eligible for the applicable payment option associated with the payment account.   
     
     
         5 . The non-transitory, computer readable medium of  claim 1 , wherein the code for the browser widget, when executed by the processor, further causes the processor to:
 responsive to receiving, from the customer device, the indication of selection of the selectable option, output instructions for displaying, on the display of the customer device, a message indicative of a sufficient balance of funds for payment with the applicable payment option and/or a potential impact on a status associated with the applicable payment option.   
     
     
         6 . The non-transitory, computer readable medium of  claim 1 , wherein the code for the browser widget, when executed by the processor, further causes the processor to:
 responsive to receiving, from the customer device, the indication of selection of the selectable option, output instructions for displaying, on the display of the customer device, a message indicative of an option to pay at least some of the purchase amount using reward points associated with the payment account.   
     
     
         7 . The non-transitory, computer readable medium of  claim 1 , wherein determining that the purchase by the user is eligible for the applicable payment option comprises determining, based on the retailer data and the account data, the applicable payment option has a sufficient amount of available credit to purchase the one or more items or services to be purchased from the third-party website. 
     
     
         8 . The non-transitory, computer readable medium of  claim 1 , wherein determining that the purchase by the user is eligible for the applicable payment option comprises determining, based on the retailer data and the account data, whether the applicable payment option has a sufficient number of rewards points to redeem as payment for the one or more items or services to be purchased from the third-party website. 
     
     
         9 . The non-transitory, computer readable medium of  claim 1 , wherein determining that the purchase by the user is eligible for the applicable payment option comprises determining, based on the retailer data and the account data, whether the purchase by the user qualifies for a credit limit increase or an alternate credit line to purchase the one or more items or services to be purchased from the third-party website. 
     
     
         10 . The non-transitory, computer readable medium of  claim 1 , wherein determining that the purchase by the user is eligible for the applicable payment option comprises:
 identifying at least one item or service of the one or more items or services to be purchased from the third-party website; and   determining that the at least one item or service is eligible to be purchased via redemption of rewards points associated with the issuer system and/or the payment account.   
     
     
         11 . The non-transitory, computer readable medium of  claim 1 , wherein determining that the purchase by the user is eligible for the applicable payment option comprises:
 identifying at least one item or service of the one or more items or services to be purchased from the third-party website; and   determining that the at least one item or service is eligible to be purchased via a one-time line of credit.   
     
     
         12 . A method comprising:
 monitoring interactions between a customer device and a third-party website associated with a merchant system, a user of the customer device being associated with a payment account, the payment account being serviced by an issuer system that is independent from and unassociated with the merchant system;   responsive to detecting a potential purchase of one or more items or services from the third-party website, obtaining retailer data from the third-party website, the retailer data comprising a transaction amount associated with the one or more items or services to be purchased from the third-party website;   determining, based at least in part on the retailer data and account data associated with the payment account, that a purchase by the user is eligible for an applicable payment option associated with the payment account;   outputting instructions for displaying, on a display of the customer device a selectable option associated with paying the transaction amount via the applicable payment option; and   responsive to receiving, from the customer device, an indication of selection of the selectable option, transmitting, to the issuer system, customer-inputted transaction data comprising information indicative of a purchasing financial account and the applicable payment option, such that the issuer system is enabled to process a payment for purchase of the one or more items or services to be purchased from the third-party website by:
 debiting the transaction amount from the payment account; and 
 creating an expense equal to the transaction amount in an expense account that is separate and distinct from the payment account such that payment of the transaction amount is shifted from the payment account to the expense account. 
   
     
     
         13 . The method of  claim 12 , wherein detecting the potential purchase of one or more items or services from the third-party website comprises at least one of:
 selection of an item or service for purchase;   presentation, by the third-party website, of a shopping cart list indicative of one or more items selected for purchase;   presentation, by the third-party website, of a payment information interface;   presentation, by the third-party website, of one or more integrated payment options; and   receipt of a request to determine whether the purchase by the user is eligible for the applicable payment option associated with the payment account.   
     
     
         14 . The method of  claim 12  further comprising:
 responsive to receiving, from the customer device, the indication of selection of the selectable option, outputting instructions for displaying, on the display of the customer device, a message indicative of a sufficient balance of funds for payment with the applicable payment option and/or a potential impact on a status associated with the applicable payment option. 
 
     
     
         15 . The method of  claim 12  further comprising:
 responsive to receiving, from the customer device, the indication of selection of the selectable option, outputting instructions for displaying, on the display of the customer device, a message indicative of an option to pay at least some of the purchase amount using reward points associated with the payment account. 
 
     
     
         16 . The method of  claim 12 , wherein determining that the purchase by the user is eligible for the applicable payment option comprises:
 identifying at least one item or service of the one or more items or services to be purchased from the third-party website; and   determining that the at least one item or service is eligible to be purchased via at least one of:
 an alternate credit line; or 
 redemption of rewards points associated with the issuer system. 
   
     
     
         17 . A non-transitory, computer-readable medium having instructions stored thereon that, when executed by one or more processors, cause a system to:
 receive retailer data comprising a transaction amount associated with one or more items or services to be purchased from a third-party website associated with a merchant system and payment information associated with a payment account associated with a user of a customer device;   determine, based at least in part on the retailer data and account data associated with the payment account, that a purchase by the user associated with the payment account is eligible for an applicable payment option associated with the system;   output instructions for displaying, on a display of the customer device, a selectable option associated with paying the transaction amount via the applicable payment option;   responsive to receiving an indication of selection of the selectable option, output instructions for displaying, on a display of the customer device, a message indicative of a sufficiency of funds for payment with the applicable payment option and a potential impact on a status associated with the applicable payment option; and   transmit, to the merchant system, payment for purchase of the one or more items or services to be purchased from the third-party web site by:
 debiting the transaction amount from the payment account; and 
 creating an expense equal to the transaction amount in an expense account that is separate and distinct from the payment account such that payment of the transaction amount is shifted from the payment account to the expense account. 
   
     
     
         18 . The non-transitory, computer-readable medium of  claim 17 , wherein determining that the purchase by the user is eligible for the applicable payment option comprises determining, based on the retailer data and the account data, whether the applicable payment option has a sufficient amount of available credit to purchase the one or more items or services to be purchased from the third-party website. 
     
     
         19 . The non-transitory, computer-readable medium of  claim 17 , wherein determining that the purchase by the user is eligible for the applicable payment option comprises determining, based on the retailer data and the account data, whether the applicable payment option has a sufficient number of rewards points to redeem as payment for the one or more items or services to be purchased from the third-party website. 
     
     
         20 . The non-transitory, computer-readable medium of  claim 17 , wherein determining that the purchase by the user is eligible for the applicable payment option comprises determining, based on the retailer data and the account data, whether the purchase by the user qualifies for a credit limit increase or an alternate credit line to purchase the one or more items or services to be purchased from the third-party website.