Privacy-Safe Merchant Webpages for Installment Options
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Solution Overview
Problem
Traditional payment methods face challenges in seamlessly integrating disparate server outputs, failing to leverage user data across multiple servers, compromising security, and requiring repetitive data entry, which leads to inefficiencies and increased data exposure risks.
Innovation Solution
A system that dynamically revises a merchant webpage to display customized payment options without personally identifiable information, using a webserver to communicate with a first server through a pluggable component or API, calculating options based on an existing user profile, and integrating these options seamlessly into the merchant webpage.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Quantity of substance
If traditional payment systems store user data across multiple discrete servers, then data storage capacity is improved, but security risk increases and data access efficiency deteriorates
Solution Approach 1:
The patent consolidates user data storage into a centralized user profile associated with a unique user identifier, rather than distributing data across multiple servers. This merging approach maintains data storage capacity while improving security by reducing the attack surface and eliminating the need to access multiple discrete server locations.
Solution Approach 2:
The centralized user profile serves as a universal data repository that can be accessed by multiple merchants and payment processors through the token system. This single profile structure supports multiple functions including storing payment information, shipping addresses, and purchase history, eliminating the need for separate data storage at each merchant location.
2Reliability
If traditional payment systems require repetitive data entry, then data security during transmission is improved, but user convenience deteriorates and data entry time increases
Solution Approach 1:
The system performs preliminary data entry by storing user information in a centralized profile during initial setup. This pre-populated data is then retrieved and transmitted automatically during subsequent transactions, eliminating the need for repetitive manual entry while maintaining security through controlled access to the stored information.
Solution Approach 2:
The system enables self-service by automatically retrieving and transmitting user data from the centralized profile without requiring manual re-entry. The user's information is seamlessly provided to merchants and payment processors through the token system, reducing both time and potential security risks associated with repeated data transmission.
3Adaptability or versatility
If traditional payment systems integrate third-party installment options from separate servers, then payment option versatility is improved, but integration complexity increases and visual consistency deteriorates
Solution Approach 1:
The patent introduces a token as an intermediary that bridges the user's centralized profile with third-party installment providers. The token system manages the integration complexity by providing a standardized interface for accessing user data, allowing multiple payment options to be integrated without increasing system complexity or compromising visual consistency.
Data Source
AI summary
Described herein are methods and systems to dynamically generate interactive graphical interfaces. Upon receiving a selection to display an execution page, a webserver may (1) transmit a request for a user identifier and (2) transmit a request for one or more options for a user. The webserver may receive an array including one or more options and instructions to display the one or more installment options on the execution page. Upon extracting the one or more options from the array, the webserver dynamically revises the webpage with at least one interactive graphical element having a visual characteristic of the webpage. Responsive to a second selection of the at least one interactive graphical element on the webpage, the webserver displays the one or more options as selectable graphical components having the visual characteristic of the webpage.