Payment Token Update Automation Across Multiple Websites
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Solution Overview
Problem
Users face the cumbersome task of updating payment token information across multiple platforms following a data breach, which is time-consuming and often overlooked, leaving them vulnerable to potential fraud.
Innovation Solution
A system and method for automatically updating payment token information, such as virtual credit card numbers, on websites by using scripts and rules to navigate and change the information without user interaction, utilizing a payment information system that includes engines for detection, rule generation, and update execution, with transparent veneer webpages to mask the process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If user manually updates payment information across multiple platforms, then payment security is improved, but user time and effort increase significantly
Solution Approach 1:
The system enables self-service by having the payment information update mechanism operate automatically without requiring user intervention. The script navigates through websites, identifies payment fields, and updates information autonomously, allowing the system to serve itself in maintaining secure payment data across platforms.
Solution Approach 2:
The system performs preliminary action by proactively updating payment information before potential security issues arise or as part of routine maintenance. The automatic update mechanism operates on schedules or triggers, ensuring payment information is current and secure before problems occur, rather than waiting for user discovery of issues.
2Reliability
If user updates payment information across all platforms, then fraud risk is reduced, but complexity of the task increases
Solution Approach 1:
The system applies universality through a multi-functional script that can operate across multiple different website platforms and payment systems. The same update mechanism handles various website structures, payment fields, and navigation patterns, providing a universal solution that reduces fraud risk without requiring separate manual processes for each platform.
Solution Approach 2:
The system uses an intermediary script as a mediator between the user and the multiple website platforms. This script acts as a bridge that automatically interacts with various websites, handles the complexity of navigating different platforms, and executes updates uniformly, thereby reducing task complexity while maintaining comprehensive fraud protection.
3Ease of operation
If automatic update system is implemented, then user effort is minimized, but system complexity increases
Solution Approach 1:
The system extracts the complex operations of navigation, field identification, and information updating from the user's responsibilities and places them into an automated script. By taking out these complex tasks and encapsulating them in a self-executing mechanism, user effort is minimized while the system complexity is contained within the automated component rather than requiring ongoing user management.
Data Source
Figure 1A
Figure 1B
Figure 2A~2B
AI summary
Various embodiments are generally directed to techniques for generating rules automatically navigate a website and perform updates of payment token information.