Framed implementation for payment widgets

A method for processing an electronic commerce transaction between a consumer device and a merchant server over a communications network, said method comprising:

• with at least one server of a service provider different than the merchant server:
• providing an initialization routine of a checkout webpage, the checkout webpage being part of a virtual shopping cart of the merchant server and displayed to the consumer device, wherein the checkout webpage includes a first universal resource locator (URL) pointing to the initialization routine on the at least one server of the service provider, and wherein the first URL is static and does not vary for different transactions;
• provide the initialization routine from the first URL over the communications network to a consumer device,
• wherein the initialization routine causes a lookup to be performed with a universal merchant platform (UMP) run on a UMP server, wherein the lookup, using a unique identifier of a merchant associated with the merchant server, identifies a second URL to a widget webpage of the service provider, wherein a payment widget is to be added to the widget webpage of the service provider, and the initialization routine segments the checkout webpage to display the widget webpage of the service provider within the checkout webpage, wherein content of the widget webpage being loaded and displayed independent of content of the checkout webpage, wherein the segmenting divides the checkout webpage into a first region and a second region, the first region displaying content of the checkout webpage, and the second region displaying content of the widget webpage;
• providing a bootstrap routine of the widget webpage to add the payment widget to the widget webpage and display the payment widget with the checkout webpage, wherein the payment widget provides a selection of a plurality of payment options supported by the UMP and allowed by the merchant associated with the merchant server, wherein frames are used to display the widget webpage;
• including security measures to prevent click jacking, wherein the security measures comprise measures implemented through a frame busting technique, wherein the frame busting technique is configured to prevent the widget webpage of the service provider from functioning when loaded inside a selective frame of a webpage;
• collecting payment data from the consumer device using the payment widget;
• provide the collected payment data from the payment widget to the checkout webpage;
• and
• processing the transaction to completion via the UMP using the collected payment data based on a payment protocol of a selected payment option of the plurality of payment options.

A computer program product for processing an electronic commerce transaction between a consumer device and a merchant server over a communications network, comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:

• provide an initialization routine of a checkout webpage, the checkout webpage being part of a virtual shopping cart of the merchant server and displayed to a consumer, wherein the checkout webpage includes a first universal resource locator (URL) pointing to the initialization routine on the at least one server of the service provider, and wherein the first URL is static and does not vary for different transactions;
• provide the initialization routine from the first URL over the communications network to a consumer device,
• wherein the initialization routine causes a lookup to be performed with a universal merchant platform (UMP) run on a UMP server, wherein the lookup, using a unique identifier of a merchant associated with the merchant server, identifies a second URL to a widget webpage of a service provider, wherein a payment widget is to be added to the widget webpage of the service provider, and the initialization routine segments the checkout webpage to display the widget webpage of the service provider within the checkout webpage, wherein content of the widget webpage being loaded and displayed independent of content of the checkout webpage, wherein the segmenting divides the checkout webpage into a first region and a second region, the first region displaying content of the checkout webpage, and the second region displaying content of the widget webpage;
• centralize a bootstrap routine of the widget webpage;
• provide the bootstrap routine of the widget webpage to add the payment widget to the widget webpage and display the payment widget with the checkout webpage, wherein payment widget provides a selection of a plurality of payment options supported by the UMP and allowed by the merchant associated with the merchant server;
• include security measures to prevent click jacking, wherein the security measures comprise measures implemented through a frame busting technique, wherein the frame busting technique is configured to prevent the widget webpage of the service provider from functioning when loaded inside a selective frame of a webpage;
• collect payment data from the consumer using the payment widget;
• provide the collected payment data from the payment widget to the checkout webpage;
• and
• process the transaction to completion using the collected payment data based on a payment protocol of a selected payment option of the plurality of payment options.