Merchant Hosted Checkout Dynamic UI Generation
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Solution Overview
Problem
The existing merchant hosted checkout systems lack flexibility for merchants to create user interfaces that are both functional and compliant with billing server standards, especially when processing mobile payments, as the majority of control resides with the billing server.
Innovation Solution
A merchant hosted checkout system that allows merchants to manage transactions through a billing server by receiving API requests, returning transaction status and UI templates, confirming transactions with consumer devices, and sending charge requests to carrier servers, enabling dynamic user interface instructions and input requirements based on country and mobile network.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the billing server maintains majority control over the transaction process, then compliance with billing server standards is ensured, but flexibility for the merchant server to construct customized user interfaces is reduced
Solution Approach 1:
The system segments the transaction process into distinct phases: initial API request for UI template retrieval, user interaction phase, and final confirmation phase. The billing server provides a template containing UI element definitions and instructions, which the merchant server uses to construct the user interface. This segmentation allows the billing server to maintain control over compliance requirements while enabling the merchant server to customize the user experience within those constraints.
Solution Approach 2:
The patent introduces an intermediary template structure that acts as a bridge between the billing server's compliance requirements and the merchant server's UI customization needs. The template contains predefined UI element types, display instructions, and compliance rules, which the merchant server can instantiate with custom data and styling. This intermediary structure enables both parties to maintain their respective requirements without direct conflict.
2Reliability
If the billing server provides detailed user interface instructions and templates, then compliance with standards is improved, but the complexity of the transaction process increases
Solution Approach 1:
The billing server performs preliminary action by providing the UI template and instructions in advance, before the actual transaction interface is displayed to the user. This template includes all necessary compliance requirements, UI element definitions, and display instructions that the merchant server can use to construct the interface. By preparing these elements beforehand, the system reduces the complexity of real-time compliance checking and interface construction during the actual transaction process.
Data Source
AI summary
Merchant hosted checkout as described herein allows merchants to process mobile payments via a customized user payment interface (“checkout interface”). The merchant hosted checkout provides dynamic user interface (UI) instructions and user input requirements based on the country and mobile network (carrier) associated with each transaction.