Browser-Based Transaction Overlay for E-Commerce Checkout
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Solution Overview
Problem
Existing e-commerce websites require expensive, complicated, and time-consuming multiparty systems integration efforts to introduce alternative transaction mechanisms, limiting the variety of payment options available to consumers.
Innovation Solution
A browser extension that interacts with a backend computing platform to introduce alternative transaction options, such as lease-to-own arrangements, without requiring integration with the e-commerce website's systems, by adding user interface elements and facilitating transactions through a third-party system.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiparty systems integration is used to introduce alternative transaction mechanisms to an e-commerce website, then the transaction mechanism can be integrated into the website, but the integration process becomes expensive, complicated, and time-consuming
Solution Approach 1:
The patent introduces a standalone transaction mechanism system that acts as an intermediary between the consumer and the e-commerce website. This system includes a transaction initiation module that can be accessed through the website without requiring deep integration into the website's core systems. The intermediary system handles alternative transaction processing independently, thus providing adaptability while avoiding complex multiparty integration.
Solution Approach 2:
The transaction mechanism is segmented into independent functional modules that operate separately from the e-commerce website's core systems. The transaction initiation module, processing module, and fulfillment module are distinct components that can be deployed and managed independently, reducing the complexity of integration while maintaining versatility in transaction handling.
2Adaptability or versatility
If multiparty systems integration is used to introduce alternative transaction mechanisms, then the transaction offering can be provided, but the integration process becomes expensive and time-consuming
Solution Approach 1:
By positioning the transaction mechanism as a standalone intermediary system rather than integrating it deeply into the e-commerce website, the patent enables rapid deployment of alternative transaction offerings. The intermediary approach allows the system to be introduced without lengthy integration processes, thus reducing time loss while maintaining transaction variety.
Solution Approach 2:
The transaction mechanism system is pre-configured with all necessary processing capabilities before deployment. The system includes pre-built modules for transaction initiation, processing, and fulfillment that are ready to operate immediately upon introduction, eliminating the need for time-consuming integration and setup processes that would otherwise be required.
3Adaptability or versatility
If multiparty systems integration is used, then alternative transaction mechanisms can be introduced, but the effort required reduces the frequency of such introductions
Solution Approach 1:
The standalone intermediary transaction system can be rapidly deployed and removed without affecting the e-commerce website's operations. This approach dramatically improves integration efficiency by eliminating complex multiparty coordination, allowing the system operator to frequently introduce and test different alternative transaction mechanisms to meet diverse consumer needs.
Data Source
AI summary
In illustrative embodiments, systems and methods are disclosed by which a transaction offering that is not native to an e-commerce website may be added thereto. The addition may be performed by a script file loaded by the web browser that is rendering the e-commerce website. The script may add a user interface element to the e-commerce website that a user may click in order to initiate the added transaction offering. The script file may respond to the such a click event by presenting a user interface with which the user may interact in order to effectuate the transaction. The script may scrape information from the website to obtain information necessary for creation of the transaction, and may initiate creation of a payment card number for use in connection with the transaction.