Paypal, Inc.

Stephen Westhafer

Jeff Harrell

Desmond Chan

John Malhinha

Omer Malik

Melanie Kriese

There is provided systems and methods for passwordless authentication through use of device tokens or web browser cookies. A user may enter into a checkout process with a merchant for a transaction requiring electronic transaction processing with a service provider. The checkout process may be performed prior to or without the user having previously established an account with the service provider for electronic transaction processing. The user may therefore provide user information, such as a name and financial information, and an account for the user may be established. To establish the account, the user is not required to enter a password, and the password is automatically set by the service provider. The service provider may then establish a token on the user's device during transaction processing that later authenticates the device for use of the account during future transaction processing when the token is received.

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San Jose, CA, United States of America

Stephen Westhafer