Browser Payment API Dynamic Buy Button
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Solution Overview
Problem
Current online purchasing systems are cumbersome, requiring users to navigate multiple sites, enter payment and address information repeatedly, and lack mechanisms for managing purchases across disparate platforms, leading to frustration and reduced conversions, especially on mobile devices and non-merchant sites.
Innovation Solution
The implementation of a browser payment request application programming interface (API) that dynamically adjusts buy buttons based on user browser type and account type, allowing for seamless payment processing across multiple sites, credential management, and unified purchase management through a unified input search field, reducing the need for manual data entry and enhancing the purchasing experience.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users manually enter payment and address information on each site, then payment processing can be completed, but the number of interactions increases and user convenience deteriorates
Solution Approach 1:
The system performs preliminary actions by automatically retrieving and storing payment method information and address information in the browser before the actual purchase is needed. When a user initiates a purchase, this pre-stored information is automatically populated into the checkout forms, eliminating the need for users to manually enter data repeatedly across different sites.
Solution Approach 2:
The browser automatically manages the retrieval, storage, and population of payment and address information without requiring user intervention. The system serves itself by maintaining a local database of user information and automatically using it to fill checkout forms, reducing the interaction burden on users.
2Adaptability or versatility
If users navigate to multiple sites to complete purchases, then purchasing options increase, but the complexity of managing purchases across platforms increases
Solution Approach 1:
The browser is enhanced with universal payment management capabilities that work across multiple merchant sites and platforms. The same browser-based payment interface and information storage mechanism function consistently whether the user is shopping on Amazon, eBay, or any other merchant site, providing a unified experience across diverse purchasing environments.
Solution Approach 2:
The browser acts as an intermediary layer between the user and multiple merchant sites. It maintains a centralized storage system for payment and address information that mediates between different website requirements and user data, simplifying the complexity of managing purchases across platforms by providing a single point of control.
3Productivity
If the browser stores payment information locally, then payment processing speed increases, but security risks may increase
Solution Approach 1:
Instead of storing sensitive payment information directly in the browser, the system creates and stores tokenized copies or references to the payment information. These tokens can be quickly processed for payments while the actual sensitive data remains secured in the payment provider's systems, maintaining both speed and security.
Data Source
AI summary
Disclosed is an approach for enabling a user to choose from multiple payment options using a browser API. The method includes determining whether a user interfacing with a site via a browser can make a payment via a first browser payment request application programming interface or a second browser payment request application programming interface. The method includes presenting a dynamically modified buy button that is associated with the selected browser or a user payment account enabled via the selected browser and transmitting, in connection with an interaction with the dynamically modified buy button, a payment request to the selected browser and via the selected browser payment request application programming interface. The user can make the payment using the account type they are using.