Systems and methods for real time system onboarding using identifier pooling

Abstract

A method and apparatus for real time onboarding using identifier pooling are described. The method may include receiving, from a merchant system, a transaction request using a merchant system identifier and merchant system authentication credentials associated with the merchant identifier, the transaction request specifying a payments partner system to process at least a part of the transaction. The method may also include determining whether the merchant system is onboarded for use of the payments platform system. When the merchant system is determined not to be onboarded for use of the payments platform system, the method may also include selecting a commerce platform system payments partner identifier from a pool of available commerce platform system payment partner identifiers provisioned by the payments partner system for the commerce platform system, and updating a merchant accounts data store by associating the selected commerce platform system payments partner identifier with the merchant identifier. The method may also include processing the transaction using the selected payments partner identifier associated by the commerce platform system with the merchant ID for performing the transaction.

We claim: 
     
         1 . A method for real time onboarding using identifier pooling, the method comprising:
 receiving, at a commerce platform system from a merchant system, a transaction request using a merchant system identifier and merchant system authentication credentials associated with the merchant identifier, the merchant system authentication credentials authenticating the merchant system to the commerce platform system, the transaction request specifying a payments partner system to process at least a part of the transaction;   determining, by the commerce platform system, whether the merchant system is onboarded for use of the payments platform system;   when the merchant system is determined not to be onboarded for use of the payments platform system, selecting a commerce platform system payments partner identifier from a pool of available commerce platform system payment partner identifiers provisioned by the payments partner system for the commerce platform system;   updating a merchant accounts data store by associating the selected commerce platform system payments partner identifier with the merchant identifier; and   processing, by the commerce platform system, the transaction using the selected payments partner identifier associated by the commerce platform system with the merchant ID, the commerce platform system using commerce platform payments partner credentials established by the commerce platform with the payments partner system to authenticate the commerce platform system to the payments partner system for performing the transaction.   
     
     
         2 . The method of  claim 1 , further comprising:
 determining that the merchant system is onboarded for use of the payments platform system when the merchant identifier is associated with a payments partner identifier in a merchant account maintained in the merchant accounts data store; and   using the payments partner identifier from the merchant account as the selected payments partner identifier when processing the transaction.   
     
     
         3 . The method of  claim 1 , wherein the transaction received by the commerce platform system from the merchant system is received at an application programming interface (API) endpoint of the commerce platform system in an commerce platform API based message that uses a first set of one or more commerce platform APIs, and wherein the commerce platform system uses a second set of payments partner API(s) to exchange payments partner API based messages with the payments partner system for performing the transaction. 
     
     
         4 . The method of  claim 3 , further comprising:
 translating, by the commerce platform , between commerce platform API based messages and payments partner API based messages during the processing of the transaction.   
     
     
         5 . The method of  claim 1 , wherein the determining, by the commerce platform system, whether the merchant system is onboarded for use of the payments platform system further comprises:
 determining whether a merchant identifier maintained in a merchant accounts data store and associated with the merchant by the access credentials is associated with a payments platform system identifier.   
     
     
         6 . The method of  claim 1 , further comprising:
 establishing, by the commerce platform system with the payments partner system prior to receiving the transaction, a plurality of commerce platform system payments partner identifiers that identify the commerce platform system to the payments partner system and enable the commerce platform system to perform transaction using the payments partner system;   storing the established plurality of identifiers in a corresponding payments partner identifier pool in an identifier pools data store of the commerce platform;   periodically determining, asynchronously with the processing of the transaction, whether to replace one or more previously established plurality of identifiers in the corresponding payments partner identifier pool; and   in response to a determination to replace the one or more previously established plurality of identifiers, establishing, by the commerce platform system with the payments partner system, a second plurality of commerce platform system payments partner identifiers to replace the one or more previously established plurality of identifiers in the corresponding payments partner identifier pool in the identifier pools data store.   
     
     
         7 . The method of  claim 1 , wherein the one or more previously established plurality of identifiers in the corresponding payments partner identifier pool are determined to be replaced when:
 the commerce platform system detects that a payments partner identifier is associated with a merchant account;   the commerce platform system detects that a total number of the previously established plurality of identifiers that have not been assigned to a merchant account from the corresponding payments partner identifier pool satisfies a threshold value; or   a combination thereof.   
     
     
         8 . The method of  claim 1 , further comprising:
 initiating, by the commerce platform, asynchronous onboarding completion of the merchant system to the payments partner system after the transaction is concluded and when the merchant system is determined not to be onboarded for use of the payments platform system;   selecting a subset of merchant account information maintained by the commerce platform system in the merchant accounts data store to complete the onboarding of the merchant system for use of the payments platform system; and   supplying the subset of merchant account information to the payments platform system to establish a merchant system account at the payments platform system.   receiving, from the payments partner system, merchant payments partner account information in response to the establishment of the merchant system account at the payments platform system; and   updating the merchant account in the merchants account data store to include the merchant payments partner account information.   
     
     
         9 . The method of  claim 8 , further comprising:
 determining whether the subset is sufficient to satisfy account data collection requirements of the payments partner system;   when the subset is determined to not be sufficient, obtaining an additional subset of merchant account information; and   supplying, by the commerce platform system, the additional subset of merchant account information with the subset of merchant account information to the payments platform system to establish the merchant system account at the payments platform system.   
     
     
         10 . The method of  claim 1 , wherein the commerce platform system infers the transaction request specifying the payments partner system for which the merchant system is determined not to be onboarded for use of the payments platform system as including a request to be onboarded for use of the payments platform system specified in the transaction request. 
     
     
         11 . A non-transitory computer readable storage medium including instructions that, when executed by a processor, cause the processor to perform operations for real time onboarding using identifier pooling, the operations comprising:
 receiving, at a commerce platform system from a merchant system, a transaction request using a merchant system identifier and merchant system authentication credentials associated with the merchant identifier, the merchant system authentication credentials authenticating the merchant system to the commerce platform system, the transaction request specifying a payments partner system to process at least a part of the transaction;   determining, by the commerce platform system, whether the merchant system is onboarded for use of the payments platform system;   when the merchant system is determined not to be onboarded for use of the payments platform system, selecting a commerce platform system payments partner identifier from a pool of available commerce platform system payment partner identifiers provisioned by the payments partner system for the commerce platform system;   updating a merchant accounts data store by associating the selected commerce platform system payments partner identifier with the merchant identifier; and   processing, by the commerce platform system, the transaction using the selected payments partner identifier associated by the commerce platform system with the merchant ID, the commerce platform system using commerce platform payments partner credentials established by the commerce platform with the payments partner system to authenticate the commerce platform system to the payments partner system for performing the transaction.   
     
     
         12 . The non-transitory computer readable storage medium of  claim 11 , further comprising:
 determining that the merchant system is onboarded for use of the payments platform system when the merchant identifier is associated with a payments partner identifier in a merchant account maintained in the merchant accounts data store; and   using the payments partner identifier from the merchant account as the selected payments partner identifier when processing the transaction.   
     
     
         13 . The non-transitory computer readable storage medium of  claim 11 , wherein the transaction received by the commerce platform system from the merchant system is received at an application programming interface (API) endpoint of the commerce platform system in an commerce platform API based message that uses a first set of one or more commerce platform APIs, and wherein the commerce platform system uses a second set of payments partner API(s) to exchange payments partner API based messages with the payments partner system for performing the transaction. 
     
     
         14 . The non-transitory computer readable storage medium of  claim 13 , further comprising:
 translating, by the commerce platform , between commerce platform API based messages and payments partner API based messages during the processing of the transaction.   
     
     
         15 . The non-transitory computer readable storage medium of  claim 11 , wherein the determining, by the commerce platform system, whether the merchant system is onboarded for use of the payments platform system further comprises:
 determining whether a merchant identifier maintained in a merchant accounts data store and associated with the merchant by the access credentials is associated with a payments platform system identifier.   
     
     
         16 . The non-transitory computer readable storage medium of  claim 11 , further comprising:
 establishing, by the commerce platform system with the payments partner system prior to receiving the transaction, a plurality of commerce platform system payments partner identifiers that identify the commerce platform system to the payments partner system and enable the commerce platform system to perform transaction using the payments partner system;   storing the established plurality of identifiers in a corresponding payments partner identifier pool in an identifier pools data store of the commerce platform;   periodically determining, asynchronously with the processing of the transaction, whether to replace one or more previously established plurality of identifiers in the corresponding payments partner identifier pool; and   in response to a determination to replace the one or more previously established plurality of identifiers, establishing, by the commerce platform system with the payments partner system, a second plurality of commerce platform system payments partner identifiers to replace the one or more previously established plurality of identifiers in the corresponding payments partner identifier pool in the identifier pools data store.   
     
     
         17 . The non-transitory computer readable storage medium of  claim 11 , wherein the one or more previously established plurality of identifiers in the corresponding payments partner identifier pool are determined to be replaced when:
 the commerce platform system detects that a payments partner identifier is associated with a merchant account;   the commerce platform system detects that a total number of the previously established plurality of identifiers that have not been assigned to a merchant account from the corresponding payments partner identifier pool satisfies a threshold value; or   a combination thereof.   
     
     
         18 . The non-transitory computer readable storage medium of  claim 11 , further comprising:
 initiating, by the commerce platform, asynchronous onboarding completion of the merchant system to the payments partner system after the transaction is concluded and when the merchant system is determined not to be onboarded for use of the payments platform system;   selecting a subset of merchant account information maintained by the commerce platform system in the merchant accounts data store to complete the onboarding of the merchant system for use of the payments platform system; and   supplying the subset of merchant account information to the payments platform system to establish a merchant system account at the payments platform system.   receiving, from the payments partner system, merchant payments partner account information in response to the establishment of the merchant system account at the payments platform system; and   updating the merchant account in the merchants account data store to include the merchant payments partner account information.   
     
     
         19 . The non-transitory computer readable storage medium of  claim 18 , further comprising:
 determining whether the subset is sufficient to satisfy account data collection requirements of the payments partner system;   when the subset is determined to not be sufficient, obtaining an additional subset of merchant account information; and   supplying, by the commerce platform system, the additional subset of merchant account information with the subset of merchant account information to the payments platform system to establish the merchant system account at the payments platform system.   
     
     
         20 . A system, comprising:
 a memory that stores a merchants account data store; and   a processor coupled with the memory configured to:
 receive, from a merchant system, a transaction request using a merchant system identifier and merchant system authentication credentials associated with the merchant identifier, the merchant system authentication credentials authenticating the merchant system to a commerce platform system, the transaction request specifying a payments partner system to process at least a part of the transaction, 
 determine whether the merchant system is onboarded for use of the payments platform system, 
 when the merchant system is determined not to be onboarded for use of the payments platform system, select a commerce platform system payments partner identifier from a pool of available commerce platform system payment partner identifiers provisioned by the payments partner system for the commerce platform system, 
 update the merchant accounts data store by associating the selected commerce platform system payments partner identifier with the merchant identifier, and 
 process the transaction using the selected payments partner identifier associated by the commerce platform system with the merchant ID, the commerce platform system using commerce platform payments partner credentials established by the commerce platform with the payments partner system to authenticate the commerce platform system to the payments partner system for performing the transaction.