Browser Add-on Auto-fills Payment Fields
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Solution Overview
Problem
Users face the tedious and error-prone task of manually entering payment information, such as card numbers, PINs, and expiration dates, when making online payments, which is time-consuming and prone to errors.
Innovation Solution
A system and method for automatically populating online webpage fields using a browser add-on and JavaScript code that generates a 'child product' linked to a core account, allowing users to automatically fill payment information into online merchant payment pages without manual input.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users manually type payment information into online payment fields, then the payment transaction can be completed, but the process is tedious and error-prone
Solution Approach 1:
The system performs preliminary actions by automatically retrieving and storing payment information (card number, expiration date, CVV) from the user's device or account before the actual payment transaction. When the user reaches the payment page, the information is already prepared and can be automatically filled in, eliminating the need for manual typing and reducing both time and effort required.
Solution Approach 2:
The system creates copies of the user's payment information and uses these copies to automatically populate the payment fields. Instead of requiring the user to re-enter the same information repeatedly, the system copies the stored payment details and transfers them to the appropriate fields, significantly reducing the time and effort required for each transaction.
2Reliability
If users manually enter payment information, then the transaction can be processed, but errors are more likely to occur
Solution Approach 1:
The system copies the user's payment information from a secure storage location and automatically fills it into the payment fields, eliminating manual typing errors. This copying mechanism ensures that the exact same information used for authorized transactions is used here, improving reliability while maintaining simplicity through automation.
Solution Approach 2:
The system performs self-service by automatically retrieving, validating, and entering the payment information without requiring manual user input. The system itself handles the data transfer and population of fields, reducing human error while keeping the process simple for the user who only needs to initiate the transaction.
3Productivity
If a browser add-on is used to automatically fill payment fields, then data transfer is automated, but the system complexity increases
Solution Approach 1:
The system introduces a browser add-on as an intermediary component that bridges the user's payment information storage and the payment website fields. This intermediary automatically extracts information from the user's device and injects it into the appropriate fields, significantly increasing transaction speed while managing complexity by isolating the automated logic in a separate, manageable component.
Solution Approach 2:
The system segments the automatic filling functionality into a separate browser add-on component, distinct from the core payment processing logic. This segmentation allows the productivity enhancement to be implemented independently, managing overall system complexity by dividing functionality into modular, independently manageable parts.
Data Source
AI summary
A method for generating a personal identification number (PIN) debit child product for use in performing a debit payment transaction with a merchant entity. A payment processing platform receives a user selection of a financial institution made via a merchant payment page and directs the user to authenticate a user identity with the financial institution. The payment processing platform receives a user selection of a core account held with the financial institution, such that the core account provides financial backing for the child product. The child product is generated that includes a child card number and a virtual PIN associated with the core account. Advantageously, the method provides the ability to make PIN debit transaction on the Internet.