Segregating Payment Data via Isolated Interface Elements
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Solution Overview
Problem
Conventional online electronic payment processes often mix non-financial and financial data, leading to unauthorized access risks and disrupt the user experience with unnecessary transitions and delays, resulting in lost customers and reduced conversions.
Innovation Solution
A system and method that segregate data at the interface and isolated data manager, using dedicated fields to handle in-scope and out-of-scope data separately, ensuring secure processing and storage, and maintaining the user experience by preventing transitions to external payment pages.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If non-financial and financial data are stored in a common storage platform, then data access is simplified, but security is compromised due to unauthorized access risks
Solution Approach 1:
The patent segments data into two distinct categories: principal data (financial information) and secondary data (non-financial information). Principal data is stored in an isolated data manager with restricted access, while secondary data is stored separately. This segmentation allows simplified access to secondary data while maintaining security for principal data, resolving the contradiction between ease of operation and security.
2Reliability
If users are directed to external payment pages for transactions, then payment processing is separated from merchant systems, but user experience deteriorates due to transitions and delays
Solution Approach 1:
The patent extracts the isolated data manager as a separate component that handles principal data securely within the merchant's system. This allows payment processing to benefit from segregated secure handling of financial data while maintaining the user experience of staying on the merchant's website, eliminating the need for transitions to external payment pages.
3Reliability
If multiple windows are used for payment processing, then payment security is enhanced through separation, but productivity decreases due to user interruptions
Solution Approach 1:
The patent merges the secure principal data storage (isolated data manager) with the merchant's existing checkout interface. Users complete the entire transaction process on a single page without switching windows or tabs, while the isolated data manager handles secure processing of financial data in the background. This combines security separation with operational simplicity, resolving the contradiction between payment security and transaction completion rate.
Data Source
AI summary
Embodiments relate generally to computer software and computing devices, and more particularly, to a system, an apparatus and a method configured to segregate data at an interface of a computing device to facilitate on-line electronic payment transactions. In one embodiment, a method includes presenting fields configured to accept a first type of data and to accept a second type of data for an on-line electronic payment transaction. The method includes generating an initialization signal for transmission to an isolated data management system to initialize a portion of a memory associated with first type of data, responsive to an interaction with a field, receiving data from the field, and generating a save signal to save the data from the field in a portion of the memory. This can be responsive to a second interaction with the field.