Payment Integration Wizard for Web Merchants
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Solution Overview
Problem
Merchants face difficulties in integrating payment mechanisms into their online commercial websites due to the need for significant experience with APIs and coding knowledge, lacking user-friendly and customizable solutions that do not require understanding of specific programming languages like ASP, JSP, PHP, or Java.
Innovation Solution
A method and system using an integration wizard that allows merchants to seamlessly integrate payment mechanisms by creating API or non-API based accounts, selecting payment mechanisms, understanding page flows, and generating code snippets to be pasted into their website sections, without needing to understand intricate APIs or coding.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of manufacture
If merchants use traditional payment integration methods requiring API knowledge and coding, then payment mechanisms can be integrated into commercial websites, but the process becomes complex and difficult for merchants without programming experience
Solution Approach 1:
The patent introduces an intermediary system (payment gateway with pre-written code libraries and integration wizards) that mediates between the merchant's website and the payment processing infrastructure. This intermediary provides standardized, pre-configured code snippets and automated tools that simplify the integration process, allowing merchants without programming expertise to successfully integrate payment mechanisms by following guided procedures rather than writing complex API code from scratch
Solution Approach 2:
The patent implements preliminary action by providing merchants with pre-written code libraries, pre-configured payment gateway interfaces, and automated integration wizards before the actual integration process. These pre-prepared resources include standardized code snippets, configuration templates, and step-by-step integration guides that are prepared in advance, eliminating the need for merchants to perform complex coding and configuration tasks during the integration process
2Productivity
If merchants integrate payment mechanisms without user-friendly tools, then payment processing functionality is achieved, but significant time delays occur due to the learning curve and complexity of API integration
Solution Approach 1:
The patent enables self-service by providing merchants with automated integration wizards and self-configurable payment gateway interfaces that guide merchants through the integration process without requiring external technical assistance. The system automatically generates code, configures settings, and tests integrations based on merchant inputs, allowing merchants to complete payment mechanism integration independently and rapidly without needing to hire developers or spend extensive time learning complex APIs
3Reliability
If traditional payment methods are used requiring users to provide sensitive information directly, then transactions can be processed, but security and fraud concerns increase
Solution Approach 1:
The patent introduces a payment gateway intermediary that acts as a secure buffer between the merchant's website and users' sensitive financial information. Instead of merchants directly handling credit card numbers and personal data, the gateway intermediary processes all financial transactions through its own secure infrastructure, encrypting and protecting user data while still enabling complete payment processing functionality. This intermediary layer significantly reduces security risks and fraud concerns by eliminating direct exposure of sensitive information
Data Source
AI summary
Provided is a method and a web-site integration system to integrate payment mechanisms into a commercial website that offers online merchants a flexible, user-friendly and customizable wizard to integrate payment mechanisms into their online commercial websites without having to understand the detailed intricacies of an API or other computer code. The wizard steps the merchant through creating an account to obtain credentials and educates the merchant on the page flows of the payment mechanism that the merchant wishes to integrate. Then, the wizard generates code snippets and files to be downloaded by the merchant and to be easily inserted into key pages of the merchant's online commercial website. The merchant can then test the completely integrated code in a developer's sandbox or go live with the completely integrated code.