Pre-built Payment Interface with Custom CSS iFrame Integration
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Solution Overview
Problem
Online platforms face challenges in controlling the look and feel of payment user interfaces when using third-party payment service providers, and developing their own payment processing systems burdens them with security and compliance obligations.
Innovation Solution
A computer-implemented system and method for a pre-built user interface that allows online platforms to customize the payment flow integration by embedding custom CSS into an iFrame, transmitting payment information securely through a payment service provider's server, and processing transactions using a server-to-server API, thereby maintaining control over the payment interface and ensuring security without storing sensitive information locally.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of manufacture
If online platforms use third-party payment service providers, then payment processing is simplified and security obligations are reduced, but control over the payment interface look and feel is lost
Solution Approach 1:
The payment interface is segmented into two distinct components: a customizable template layer that platforms can modify for branding and user experience, and a secure processing layer hosted by the payment service provider that handles sensitive data. This segmentation allows platforms to customize the visual and interactive aspects while the provider maintains security controls over the transaction processing aspects.
2Adaptability or versatility
If online platforms develop their own payment processing systems, then control over the payment interface is increased, but security and compliance obligations are burdened
Solution Approach 1:
The payment service provider acts as an intermediary between the platform's customized interface and the actual payment processing infrastructure. The platform interacts with the provider through standardized APIs, allowing the platform to focus on interface customization while the provider handles the complex security requirements, compliance matters, and integration with payment networks.
3Ease of manufacture
If online platforms redirect users to third-party payment pages, then payment processing is simplified, but graphical integration with the online platform is lost
Solution Approach 1:
Payment interface templates are pre-built with embedded branding elements, color schemes, and design patterns that match the platform's visual identity. These templates are prepared in advance and can be customized through configuration rather than code, allowing platforms to maintain visual consistency without the complexity of building payment interfaces from scratch.
Data Source
AI summary
The invention relates to a computer implemented system and method for payment flow integration using a pre-built user interface. The method comprises receiving, at a payment service provider, an API call from a partner server that specifies customized cascading style sheets (CSS) data for the partner. The customized CSS data allows the partner to customize the look and feel of a payment window that is embedded in the partner's webpage. The payment service provider server embeds the custom CSS data into an iFrame and transmits the iFrame URL to the partner server. The partner server embeds the iFrame in the partner's webpage. The method may also comprise receiving the user's payment information at the service provider's server, securely storing that information, and returning a payment token to the partner for enhanced security of the payment transaction.