Mobile Wallet URL Redirect for E-Commerce Integration
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Solution Overview
Problem
Integrating electronic wallet functionality into e-commerce websites can be cumbersome and requires specialized expertise, often leading to conflicts with existing code, while users prefer the ease of use offered by mobile wallets without needing lengthy account numbers.
Innovation Solution
A system that associates a mobile phone number with a specific mobile wallet account, allowing users to initiate payments by submitting their phone number to an e-commerce site, which communicates a URL to open the payment wallet interface, pre-populating it with relevant transaction information, thereby simplifying the integration process for merchants and enhancing user convenience.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If electronic wallet code is integrated into e-commerce websites, then payment functionality is added, but coding complexity and potential conflicts with existing code increase
Solution Approach 1:
The patent extracts the electronic wallet interface and payment processing logic from the e-commerce website codebase into a separate, standalone mobile application. The website simply displays a link or button that triggers the wallet app, eliminating the need to embed complex wallet code within the existing website infrastructure and avoiding code conflicts.
Solution Approach 2:
The patent introduces an intermediary mechanism where a URL or deep link acts as a bridge between the e-commerce website and the mobile wallet application. When a user clicks the payment link on the website, it redirects to the wallet app with pre-populated transaction details, enabling payment functionality without direct code integration.
2Adaptability or versatility
If electronic wallet code is integrated into e-commerce websites, then payment functionality is added, but expertise requirements and costs increase
Solution Approach 1:
By extracting the wallet functionality into a separate application, the patent eliminates the need for e-commerce developers to possess specialized wallet integration expertise. The website team only needs to add a simple link, while the wallet app handles the complex payment processing independently.
Solution Approach 2:
The patent creates a universal mobile wallet application that can serve multiple e-commerce websites without requiring custom integration work for each site. The wallet app is designed to handle various payment scenarios across different merchants, reducing implementation costs and expertise requirements.
3Ease of operation
If mobile wallet interface is opened via URL redirect, then user convenience is improved, but integration complexity for merchants is reduced
Solution Approach 1:
The patent implements preliminary action by pre-populating the mobile wallet interface with transaction details (merchant information, item details, payment amount) before the user opens the wallet app. When the user clicks the payment link on the website, the wallet app already contains the necessary transaction data, allowing the user to simply review and confirm the payment without manually entering information.
Data Source
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AI summary
The described system and method allows a contact such as a mobile phone number to be associated with a specific mobile wallet account and by submitting a mobile phone number to an ecommerce site, a URL will be communicated to the contact which opens the payment wallet with the relevant information from the ecommerce transaction.