Dynamic Widget Generator for Seamless Payment Integration
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Solution Overview
Problem
Current payment integration systems for online sellers are cumbersome, often requiring customers to register or sign in during the checkout process, leading to abandoned shopping carts and complicating the integration of payment acceptance for sellers.
Innovation Solution
The Dynamic Widget Generator (DWG) platform allows sellers to easily integrate payment acceptance by dynamically generating customizable buy buttons or widgets that facilitate payments without registration, using a simple integration process and providing analytics on buying trends.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of manufacture
If traditional payment integration systems are used, then payment processing capability is provided, but integration complexity increases and customer checkout process becomes cumbersome
Solution Approach 1:
The patent extracts the complex payment processing logic from the seller's system and places it in a separate payment gateway service. The seller only needs to implement a simple payment interface that communicates with the gateway, while the gateway handles authentication, encryption, and transaction processing. This separation reduces integration complexity for sellers while maintaining full payment processing capability.
Solution Approach 2:
The payment gateway acts as an intermediary between the seller's system and the payment processor. It provides a standardized interface that simplifies integration for sellers while handling the complexity of communicating with various payment processors. The gateway translates simple seller requests into detailed payment processing operations, reducing the burden on sellers.
2Reliability
If customer registration is required during checkout, then user identification and security are improved, but checkout time increases and cart abandonment increases
Solution Approach 1:
The system performs preliminary customer identification by recognizing returning customers through their device identifiers, cookies, or previous purchase history before the checkout process begins. This allows the system to pre-validate customer身份 and prepare authenticated payment sessions, eliminating the need for customers to register or sign in during checkout while maintaining security through pre-performed authentication.
Solution Approach 2:
The payment system enables self-service by allowing customers to make purchases without manual registration. The system automatically identifies customers through their device or browser, retrieves their stored payment information, and processes transactions without requiring customer intervention for authentication. This maintains security through automated verification while reducing checkout time to minimal customer actions.
Data Source
AI summary
The DYNAMIC WIDGET GENERATOR APPARATUSES, METHODS AND SYSTEMS (“DWG”) transforms developer credentials, codes and parameter inputs via DWG components into buy widgets, payment acceptance and purchase transaction outputs. In one embodiment, the DWG may facilitate obtaining a plurality of authentication parameters and widget customization parameters. The DWG may authenticate a user using a parameter derived from the plurality of authentication parameters and may dynamically generating a purchase widget for the authenticated user using the plurality of widget customization parameters.