Secure Payment Font Intermediary for Merchant Checkout Control
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Solution Overview
Problem
Existing online and mobile payment systems face security risks as they require users to provide sensitive information directly on merchant websites, which may not be trusted, and redirecting to payment service provider websites can be inconvenient for merchants who want to control the checkout process.
Innovation Solution
A method where a payment service provider verifies the payer device and generates a security font to convert payer information font characters, allowing sensitive information to be securely displayed and processed on the payer device without exposing it to the payee website, enabling secure payment instructions within the payee website's checkout process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If the payer provides payment information directly on the merchant website, then the checkout process is simpler and the merchant maintains control, but the security of payer information is compromised
Solution Approach 1:
The patent introduces a payment service provider as an intermediary that generates and manages security fonts. The payer information is converted into encrypted font characters that are rendered only by the verified payer device using the security font, while the merchant website cannot read the actual information. This mediator enables the merchant to maintain checkout control while ensuring information security through cryptographic transformation.
2Reliability
If the payer is redirected to the payment service provider website, then the security of payer information is improved, but the merchant loses control over the checkout process and the user experience becomes more complex
Solution Approach 1:
The payment service provider acts as a mediator that enables secure payment processing while the payer remains on the merchant website. The security font technology allows the intermediary to enforce security protocols without disrupting the user experience or merchant control, as the encrypted font characters are rendered in-place on the merchant's checkout page.
Solution Approach 2:
Instead of redirecting the payer to a separate payment website, the system creates a visual copy of the secure payment interface by rendering encrypted font characters directly on the merchant website. This copying approach maintains the familiar checkout environment while implementing security measures, avoiding the need for page redirection.
3Adaptability or versatility
If the merchant hosts the entire checkout process on their website, then they maintain control over the shopping experience and can pursue upsell opportunities, but they must ensure security without redirecting to a payment service provider
Solution Approach 1:
The payment service provider serves as a backend intermediary that enables merchants to host the entire checkout process on their own websites while maintaining security. The security font technology allows the intermediary to enforce cryptographic protection without requiring merchant infrastructure changes or checkout process modifications, preserving merchant adaptability and control.
Data Source
AI summary
A method for providing secure payment instructions includes verifying a payer device for use in a transaction with a payee device. When a request is received from the payee device for payer information associated with a payment account being used by the payer device in the transaction, a security font is generated and associating in a database at least one payer information font character with payer information that is associated with the payer account. The at least one payer information font character is then provided to the payee device, and when a request for the security font is received and determined to be from the verified payer device, the security font is provided to the verified payer device such that the at least one payer information font character may be converted to the payer information for display on the payer device.