Codeless Payment Interface That Bypasses Merchant Servers
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Solution Overview
Problem
Merchant websites face security vulnerabilities and compatibility issues due to integrated payment service interfaces, which can compromise website functionality and user data security.
Innovation Solution
A codeless payment interface system that allows payment interfaces to be dynamically generated and loaded directly from a payment service server to a user's browser, bypassing the merchant server, using interface codes that include identifiers, API calls, and metadata to customize payment options and processes transactions securely without server intervention.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If payment service interfaces are integrated into merchant websites, then payment functionality is provided, but security vulnerabilities and website compatibility issues arise
Solution Approach 1:
The payment service interface is extracted from the merchant website and hosted separately on a payment service server. The interface is dynamically generated and loaded directly to the user's browser, bypassing the merchant server entirely. This separation removes the payment interface from the merchant's codebase, eliminating security vulnerabilities and compatibility issues while preserving payment functionality.
Solution Approach 2:
A payment service server acts as an intermediary between the merchant website and the user's browser. The server generates and hosts the payment interface, then serves it directly to users through embedded iframe technology. This intermediary approach allows the merchant to provide payment functionality without directly integrating payment code, thus avoiding security and compatibility problems.
2Reliability
If payment interfaces are dynamically generated and loaded directly to user's browser bypassing merchant server, then security and compatibility are improved, but system complexity increases
Solution Approach 1:
The payment service server automatically generates and hosts payment interfaces without requiring merchant server intervention. The system self-manages interface creation, hosting, and delivery to users through embedded iframes. This automation reduces the operational complexity on the merchant side while maintaining security and compatibility benefits.
3Reliability
If merchant servers do not host payment interfaces, then vulnerabilities are minimized and user data protection is improved, but loss of control over payment interface customization increases
Solution Approach 1:
The payment service server provides a universal platform that handles multiple customization needs through a single interface. Merchants can configure payment options, branding, and functionality through standardized parameters passed to the dynamically generated interface. This multi-functional approach maintains user data protection while providing adequate customization control through configuration rather than code modification.
Data Source
AI summary
The disclosed computer-implemented method may include generating an interface code configured to connect to a payment server and generating, in response to loading a merchant website hosted on a merchant server that integrates the interface code, a payment interface with the interface code. The interface code may bypass the merchant server to connect to the payment server. The method may also include completing a payment using the payment interface that bypasses the merchant server to connect to the payment server. Various other methods, systems, and computer-readable media are also disclosed.