Checkout Payment Method Linking Without Card Entry
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Solution Overview
Problem
E-commerce transactions face friction due to time-consuming manual form completion, human error in data entry, additional login steps, and difficulties in verifying the authorized user of a credit card, leading to lower completion rates and increased vulnerability to unauthorized charges.
Innovation Solution
An online purchase network facilitates transactions by displaying available payment methods on a merchant website's checkout UI based on an unencrypted shopper identifier credential, generating an encrypted credential, and querying payment instrument managers without redirecting the shopper, thus allowing secure payment without manual entry of sensitive information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If manual form completion is used for checkout, then payment information can be entered, but the process is time-consuming and error-prone
Solution Approach 1:
The system performs preliminary actions by automatically retrieving and pre-filling payment information from the user's account before the checkout process begins. The shopper identifier credential is used to pre-fetch associated payment methods, shipping addresses, and other details, so that when the user initiates checkout, the information is already prepared and displayed for quick selection rather than manual entry.
2Productivity
If payment facilitation tools are used to reduce manual entry, then checkout speed improves, but additional login steps and website redirections are required
Solution Approach 1:
The system merges the payment facilitation functionality directly into the merchant's checkout workflow. Instead of redirecting users to separate payment facilitator websites or requiring separate login processes, the payment method selection and authentication are integrated into the existing checkout UI. The shopper identifier credential serves as a unified key that triggers both payment method display and authentication within the same interface.
3Productivity
If credit card information is collected during checkout, then payment can be processed, but security risks increase and customer hesitation grows
Solution Approach 1:
The system introduces an intermediary mechanism where the shopper identifier credential acts as a secure key that references pre-validated payment methods stored in the user's account. Instead of collecting and processing raw credit card information during checkout, the system uses the credential to retrieve already-authenticated payment method tokens or references from secure storage. This intermediary layer eliminates the need for users to input sensitive card details while maintaining secure payment processing.
Data Source
AI summary
A computer-implemented method of providing payment methods for an online transaction includes: receiving an unencrypted shopper identifier credential that is associated with a specific user and is input via a checkout user interface, wherein the checkout user interface is associated with the online transaction and is displayed at a user device; in response to receiving the unencrypted shopper identifier credential, generating a first encrypted shopper identifier credential based on the unencrypted shopper identifier credential; sending a first query that includes the first encrypted shopper identifier credential to a first payment instrument manager, wherein the first query requests an indication that the first encrypted shopper identifier credential is associated with an account for the first payment instrument manager; receiving a response from the first payment instrument manager that includes the indication; and causing the checkout user interface to be modified with a selection field, wherein the selection field is associated with the first payment instrument manager.