Browser Payment API Reducing Checkout Friction
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Solution Overview
Problem
Current online purchasing experiences are hindered by friction, particularly in transitioning users from search engines or browsers to merchant sites, and the need to manually enter payment and address information, which increases complexity and reduces conversion rates.
Innovation Solution
Implementing a browser payment request application programming interface (API) that allows users to make purchases within a generalized search entity without transitioning to a merchant site, using APIs to manage payment data and facilitate one-click purchasing by integrating payment processing directly into the browser or software modules, enabling secure and seamless transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users are transitioned to merchant sites for purchasing, then payment processing can be completed, but user friction increases and conversion rates decrease
Solution Approach 1:
The patent merges the payment processing function directly into the search entity by implementing a browser payment request API. This allows the search entity to handle payment transactions natively without requiring users to transition to merchant sites, thereby combining search and purchasing functions in a single interface and reducing user friction while maintaining reliable payment processing
2Reliability
If manual payment data entry is required, then payment security can be verified, but operation complexity increases and conversion rates drop
Solution Approach 1:
The patent implements preliminary action by storing payment information in advance within the browser's secure storage. When a purchase is initiated, the pre-stored payment data is automatically retrieved and populated into the payment form, eliminating the need for manual entry while maintaining security through cryptographic verification. This reduces operation complexity while preserving payment security verification
Solution Approach 2:
The browser payment request API enables self-service by allowing the browser itself to manage payment data storage, retrieval, and verification. The system automatically handles the complex tasks of securing payment information, validating cryptographic signatures, and populating payment fields without requiring user intervention, thereby reducing operation complexity while maintaining security
3Ease of operation
If payment processing is integrated into the browser, then user experience is enhanced, but system complexity increases
Solution Approach 1:
The patent introduces an intermediary layer in the form of a standardized browser payment request API that mediates between merchant sites and the browser's payment system. This API serves as a controlled interface that manages the complexity of payment processing internally while presenting a simple, consistent experience to users and merchants, thereby enhancing user experience without exposing the full system complexity
Data Source
AI summary
Disclosed are a system and process of providing social networking purchasing processes. A method includes receiving, from a posting entity and at the social networking entity, a posting or a submission of a text, an image or a video. When the submission is associated with a product within a product catalog of the posting entity, the social networking entity presents in a newsfeed of users or otherwise on the social networking entity, the text, image or video with an associated option to buy. The option to buy might be presented through a messenger application or as the user browses the posting. When there is a correlation between the posting and the product catalog, and when the user makes a purchase of the product, the user is not transitioned away from the social networking entity. Initiating a payment process occurs within the social networking entity.