Client-Side Payment Page Scripts for Faster Account Authorization

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Solution Overview

Problem

Existing methods for online transactions using electronic accounts are inefficient due to long processing times and risk sensitive information exposure.

Innovation Solution

A method involving script codes that enable a client terminal to acquire a payment page with a digital object unique identifier, allowing verification and authorization through personal mobile financial services without transmitting sensitive information, thus reducing the need for URL invocation.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If the payment server invokes a URL to display the payment page, then the payment process can be completed, but the processing time is long and transaction efficiency is low

Engineering Contradiction:

Improvetransaction efficiencyVSAvoidprocessing time

Core Design Contradiction:

ProductivityVSLoss of time

Solution Approach 1:

The patent extracts the payment page display function from the payment server's URL invocation process. Instead of the payment server invoking a URL to display the payment page (which causes long processing time), the client terminal directly displays the payment page using embedded script code, thereby eliminating the time-consuming URL invocation step and improving transaction efficiency.

Inventive Principle:

Principle #2Taking out (Extraction)

2Reliability

If the payment password is transmitted to the payment server for verification, then the payment can be authorized, but sensitive information may be exposed

Engineering Contradiction:

Improvepayment authorizationVSAvoidsensitive information exposure

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent introduces an encrypted communication channel as an intermediary between the client terminal and payment server. The payment password is transmitted through this encrypted channel, which acts as a mediator that protects the sensitive information from exposure while still allowing the payment server to verify the password for authorization.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent changes the state of the payment password from plain text to encrypted form during transmission. By applying encryption transformation to the password parameter, the system maintains the ability to verify payment authorization while preventing sensitive information exposure during transmission.

Inventive Principle:

Principle #35Parameter changes

Data Source

PatentUS20250328881A1Method, apparatus, and system for operating an electronic account in connection with an electronic transaction

Publication Date: 2025.10.23 ADVANCED NOVA TECH (SINGAPORE) HLDG PTE LTD

AI summary

Embodiments of the present application relate to a method, apparatus, and system for operating an electronic account or displaying a payment page. The method includes receiving, from a first client terminal, a payment platform display page acquisition request, providing, to the first client terminal, a payment platform display page, wherein the payment platform display page includes a first script code, wherein in the event that the first script code is executed, the first script code causes the first client terminal to obtain a payment page including a digital object unique identifier from a payment server and to display the payment page, wherein the digital object unique identifier indicates an upcoming payment sum, receiving verification information, and sending the verification information to the payment server to instruct the payment server to execute a deduction operation on an electronic account.