Floating Widget for Secure Online Payment Token Entry
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Users face difficulties in entering tokenized payment card information on merchant interfaces during online transactions, leading to inefficiencies and increased risk of errors due to the need to switch between payment applications and manually copy information.
Innovation Solution
A system that generates a digital token for a selected payment card and provisions it in a floating widget on the merchant payment interface, allowing users to seamlessly enter the tokenized card information without leaving the checkout page.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users manually copy token information from wallet application to merchant application, then payment security is maintained, but transaction time and user effort increase significantly
Solution Approach 1:
The patent introduces an intermediary mechanism (floating widget or automated token entry system) that bridges the wallet application and merchant application. This intermediary automatically retrieves and enters token information, eliminating manual copying while maintaining security through controlled token exposure. The intermediary layer resolves the contradiction by automating the secure token transfer process.
Solution Approach 2:
The system performs preliminary actions by pre-loading token information into a floating widget or automated entry system before the user needs to complete the transaction. The token is prepared and staged for immediate entry, eliminating the need for manual copying during the critical transaction moment while maintaining security through pre-authenticated token storage.
2Reliability
If users hover between wallet application and merchant application to enter token information, then payment security is maintained, but ease of operation deteriorates
Solution Approach 1:
The floating widget acts as an intermediary that remains accessible within the merchant application context, eliminating the need for users to switch between applications. The widget provides secure token access directly at the point of entry, maintaining security through controlled token display while dramatically improving ease of operation by keeping all elements within a single application window.
Solution Approach 2:
The patent introduces a new dimensional layer (floating widget) that overlays the merchant application interface. This additional dimension provides secure token access without requiring users to leave the current application context, effectively adding a layer of security infrastructure that operates independently of application switching while maintaining seamless user experience.
3Reliability
If users manually enter token information field by field, then payment security is maintained, but productivity decreases
Solution Approach 1:
The system implements self-service by enabling automated token retrieval and entry without requiring manual user intervention for each field. The floating widget or automated entry system self-populates token information, allowing the transaction process to proceed automatically while maintaining security through controlled token exposure. This eliminates the need for users to manually type each field, dramatically improving productivity.
Solution Approach 2:
The intermediary system automatically handles the tedious field-by-field entry process by retrieving token information and populating fields sequentially or all at once. This intermediary performs the repetitive manual work while maintaining security protocols, enabling faster transaction processing without compromising the field-by-field security model.
4Reliability
If copying token information is disabled in merchant application, then payment security is enhanced, but ease of operation worsens
Solution Approach 1:
The floating widget serves as a secure intermediary that bypasses the copy-paste restriction. It provides controlled token display and entry mechanisms that do not involve traditional copying, thereby maintaining the security policy while enabling users to access token information. The intermediary translates the security-constrained environment into a user-friendly interface that respects both security requirements and operational ease.
Data Source
AI summary
Embodiments provide methods, and server systems for enhancing online payment transaction experience. A method includes receiving, by a server system associated with a payment network, a tokenization request based on selecting a payment card of a plurality of payment cards of a user from a payment application running on a user device for processing an online payment transaction using the selected payment card at a merchant payment interface on the user device. The tokenization request includes a card information of the selected payment card. The method includes facilitating generation of a digital token. The digital token includes a tokenized card information of the selected payment card. The method includes provisioning the digital token in a floating widget at the merchant payment interface on the user device. The floating widget enables the user to enter the digital token at the merchant payment interface for processing the online payment transaction.