Browser Extension Payment Autofill for Secure Merchant Checkout
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing online payment systems require users to manually input extensive personal and payment information, which is cumbersome and insecure, and integrating an expedited payment service across various merchants involves significant technical challenges.
Innovation Solution
A browser extension that integrates with a payment processing network, securely stores authentication and payment data, and auto-fills fields using biometric or password authentication, offering a user-friendly and secure payment experience by mimicking merchant websites and supporting multiple payment devices.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users manually input personal and payment information for each online transaction, then payment data can be accurately submitted to merchants, but the process becomes cumbersome and time-consuming
Solution Approach 1:
The system pre-stores payment device information and authentication data in secure storage during setup. When a transaction occurs, this pre-stored data is automatically retrieved and populated into payment fields, eliminating the need for users to manually re-enter information for each transaction.
Solution Approach 2:
The extension creates and populates payment form fields by copying pre-stored payment device data and authentication credentials into the merchant's payment interface. This copying mechanism allows rapid population of payment forms without manual user input.
2Reliability
If users manually enter payment information on each merchant site, then transactions can be completed, but security risks increase due to exposure of sensitive data
Solution Approach 1:
The browser extension acts as an intermediary layer between the user's stored payment data and the merchant's payment form. The extension securely manages authentication data and payment device information locally, then automatically populates merchant forms without requiring users to manually expose sensitive credentials. This intermediary approach minimizes data exposure while maintaining transaction capability.
Solution Approach 2:
The system performs self-service by automatically retrieving and populating payment information from secure storage without requiring user interaction. This eliminates the security risk associated with users manually entering sensitive data, as the extension handles data retrieval and form population autonomously using pre-stored credentials.
3Adaptability or versatility
If an expedited payment service is integrated across multiple merchants, then payment convenience is improved, but technical integration challenges increase
Solution Approach 1:
The browser extension is designed as a universal solution that works across multiple merchant websites by detecting and interacting with standard payment form elements. Rather than requiring separate integrations for each merchant, the extension provides multi-functional capability to handle various payment interfaces through automated form detection and population, achieving broad merchant compatibility through a single unified implementation.
Data Source
Figure 1
Figure 2a
Figure 2b
AI summary
In one aspect, an expedited payment service is accessed through a browser extension. As an extension operates in a manner in which it has access to the underlying merchant data, the extension may allow an expedited payment service to work with virtually any merchant web site.