Universal Checkout Webpage Detection and Virtual Token Injection

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Solution Overview

Problem

Existing systems require manual entry of user information on checkout webpages, and site-specific rules only work for recognized webpages, failing to automatically populate information on unfamiliar or unrecognized checkout webpages.

Innovation Solution

A system that detects a webpage's document object model (DOM) to identify payment-accepting elements, requests a virtual token from a provider server, and automatically injects user information into relevant fields, including credit card details, without relying on site-specific rules.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Extent of automation

If site-specific rules are used to automatically inject user information, then the checkout process is automated for recognized webpages, but the system fails to work on unrecognized or new checkout webpages

Engineering Contradiction:

Improveautomatic information injectionVSAvoidcompatibility with unrecognized webpages

Core Design Contradiction:

Extent of automationVSAdaptability or versatility

Solution Approach 1:

The patent creates a universal rule engine that can identify and inject payment information on any checkout webpage, not just pre-programmed sites. The system uses multiple identification methods (URL patterns, DOM element analysis, field name recognition) to create a multi-functional detection capability that works across diverse webpage structures and designs, making the automation universally applicable rather than site-specific

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system dynamically adapts to different webpage structures by analyzing the DOM (Document Object Model) of each checkout page in real-time. Instead of relying on static, pre-configured rules for specific sites, the system dynamically identifies payment fields and injection points by examining webpage structure, element names, and patterns, allowing it to automatically adapt to new or unrecognized checkout pages

Inventive Principle:

Principle #15Dynamics

2Adaptability or versatility

If manual entry of user information is required on each checkout webpage, then the system works on any webpage, but the checkout process is time-consuming and prone to user error

Engineering Contradiction:

Improveuniversal webpage compatibilityVSAvoidtime for information entry

Core Design Contradiction:

Adaptability or versatilityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by automatically detecting checkout webpages and injecting payment information before the user would manually enter it. The rule engine proactively identifies when a page is a checkout page and automatically populates the necessary fields, eliminating the need for manual entry and reducing the time users spend on the checkout process

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system enables self-service automation where the checkout process serves itself by automatically identifying and filling payment fields without user intervention. The rule engine monitors webpage elements and automatically injects information into the correct fields, allowing the system to service itself rather than requiring manual user input for each transaction

Inventive Principle:

Principle #25Self-service

3Productivity

If actual credit card details are stored and reused, then the checkout process is fast, but the security risk and exposure of sensitive information increases

Engineering Contradiction:

Improvecheckout speedVSAvoidsecurity risk and information exposure

Core Design Contradiction:

ProductivityVSObject-affected harmful factors

Solution Approach 1:

The system creates and uses virtual copies of payment information rather than handling actual credit card details. Virtual card numbers are generated that replicate the functionality of real card numbers for automated injection and processing, allowing the system to maintain fast automated checkout while never exposing or storing actual sensitive card information, as only virtual copies are used in the automation process

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The system uses disposable virtual card numbers that are generated for specific transactions or time periods rather than reusing permanent credit card details. These virtual tokens are temporary and can be discarded after use, eliminating the long-term security risks associated with storing and reusing actual credit card information while maintaining the speed of automated checkout

Inventive Principle:

Principle #27Cheap short-living objects (Disposable)

Data Source

PatentUS11880821B2Systems and methods for automatically identifying a checkout webpage and injecting a virtual token

Publication Date: 2024.01.23 CAPITAL ONE SERVICES LLC

AI summary

A system includes a processing system and a memory system. The processing system includes one or more processors. The memory system includes one or more computer-readable media that contain instructions that, when executed by the processing system, cause the processing system to perform operations. The operations include detecting a loading of a webpage including a document object model (DOM). The operations also include analyzing the DOM to identify a first element in the DOM. The operations also include determining, based on the first element, that the webpage is configured to accept payments. The operations also include receiving, from a provider server, a virtual token which corresponds to a user account. The operations also include injecting information from the virtual token into one or more account number fields on the webpage.