API Integration for Digital Wallet Payment Source Onboarding

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Solution Overview

Problem

Existing digital wallet systems lack versatility in integrating various payment sources, requiring users to manually input multiple payment details, leading to inefficiencies in setup and usage.

Innovation Solution

A computing system utilizing application programming interface (API) integration to facilitate seamless communication between digital platforms, enabling automatic data entry and integration of new payment sources, including authentication and redirection between platforms.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If users manually input multiple payment details to set up digital wallets, then payment source integration is achieved, but setup time and user effort increase significantly

Engineering Contradiction:

Improvepayment source integrationVSAvoidsetup time

Core Design Contradiction:

Adaptability or versatilityVSLoss of time

Solution Approach 1:

The patent applies preliminary action by pre-establishing API connections between the digital wallet platform and multiple payment source entities. Payment sources are pre-configured and validated in the background system, so when users want to add a payment method, the integration is already prepared and只需 requires user selection rather than manual input of multiple details.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent uses an API integration layer as an intermediary between the digital wallet platform and various payment sources. This intermediary automatically handles the complex communication and data exchange protocols, translating user-friendly selections into the appropriate payment source integrations without requiring users to manually configure technical details.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Adaptability or versatility

If users manually input multiple payment details to set up digital wallets, then payment source integration is achieved, but user effort and complexity increase

Engineering Contradiction:

Improvepayment source integrationVSAvoidsetup convenience

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent implements self-service by enabling the system to automatically retrieve and populate payment source information through pre-configured API connections. When a user selects a payment method, the system autonomously completes the integration process by automatically exchanging data with the payment source via established APIs, eliminating the need for users to manually input and configure multiple payment details.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The API integration layer serves as an intermediary that shields users from complexity. It automatically handles authentication, data formatting, and communication protocols with various payment sources, presenting a simplified interface to users while managing the complex integration processes in the background.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Adaptability or versatility

If digital wallet platforms support multiple payment sources, then versatility improves, but system complexity increases

Engineering Contradiction:

Improvepayment source supportVSAvoidsystem integration complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent applies segmentation by dividing the complex integration task into separate, manageable API connections for each payment source. Each payment source is integrated through its own dedicated API interface, allowing the system to support multiple payment sources independently without requiring complex cross-integration logic between different payment providers.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent implements a universal API integration framework that can work with multiple different payment sources through standardized interfaces. This multi-functional approach allows the same integration architecture to support various payment providers, reducing overall system complexity compared to creating separate integration systems for each payment source.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS12475441B2Application programming interface integration

Publication Date: 2025.11.18 TRUIST BANK

AI summary

Systems and methods receive, via a user interface of a user device, at a hypertext document of a first digital platform of a first entity input(s) to link to a digital program of a second entity, the receiving triggering performing a cross-platform communication event via an API with the digital program of the second entity. A digital display of the digital program of the second digital platform is automatically provided, via the user interface, the providing facilitating data entry to the digital program of the second digital platform. It is determined that a user has completed the data entry to the digital program of the second digital platform, the determining triggering a redirection to the hypertext document of the first digital platform of the first entity, and the hypertext document of the first digital platform of the first entity is displayed, via the user interface.