# US 2014/0207624 A1 · Framed implementation for payment widgets

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- Number: US 2014/0207624 A1
- Document ID: US20140207624A1
- Status: Published application
- Kind: A1
- Application number: 14/162,203
- Filed: 2014-01-23
- Published: 2014-07-24
- Earliest claimed: 2013-01-23
- Assignees: CardinalCommerce Corporation
- Inventors: Chandra S. Balasubramanian; Andrew Heiss
- Web page: https://patentgrep.com/patent/US20140207624A1

## CPC

- G06Q 30/0635: {replenishment orders; recurring orders}
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A system and method process an electronic commerce transaction between a consumer and a merchant over a communications network. A checkout webpage of a virtual shopping cart of the merchant is displayed by a consumer device and an initialization routine of the checkout webpage is performed by the consumer device. The initialization routine segments the checkout webpage to display a widget webpage of a service provider within the checkout webpage. Content of the widget webpage is loaded and displayed independent of content of the checkout webpage. A bootstrap routine of the widget webpage is performed by the consumer device to add a payment widget to the widget webpage and to display the payment widget with the checkout webpage. Further, the transaction is processed by the consumer device to completion using the payment widget.

## Claims

### Claim 1

A system for processing an electronic commerce transaction between a consumer and a merchant over a communications network, said system comprising:
a consumer device configured to:
display a checkout webpage of a virtual shopping cart of the merchant;
perform an initialization routine of the checkout webpage, the initialization routine segmenting the checkout webpage to display a widget webpage of a service provider within the checkout webpage, content of the widget webpage being loaded and displayed independent of content of the checkout webpage;
perform a bootstrap routine of the widget webpage to add a payment widget to the widget webpage and display the payment widget with the checkout webpage; and
process the transaction to completion using the payment widget.

### Claim 2 (depends on 1)

The system according to claim 1, wherein the consumer device is further configured to:
display a directory of products or services of the merchant, the directory loaded from a server of the merchant over the communications network;
receive a selection of a product or service of the directory from the consumer; and
add the selected product or service to the virtual shopping cart over the communications network.

### Claim 3 (depends on 1)

The system according to claim 1, wherein the consumer device is further configured to:
load the checkout webpage from a server of the merchant over the communications network; and
load the widget webpage from a server of a service provider over the communications network, the server of the merchant being different than the server of the service provider.

### Claim 4 (depends on 1)

The system according to claim 1, 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.

### Claim 5 (depends on 1)

The system according to claim 1, wherein the checkout webpage includes a universal resource locator (URL) pointing to the initialization routine, the initialization routine being on a server of a service provider different than the merchant, and wherein the consumer device is further configured to:
load the initialization routine from the URL over the communications network, wherein the URL is static and does not vary for different transactions.

### Claim 6 (depends on 1)

The system according to claim 1, wherein the consumer device is further configured to:
load the bootstrap routine from a server of a service provider over the communications network.

### Claim 7 (depends on 1)

The system according to claim 1, wherein the consumer device includes a web browser, and wherein the checkout webpage and the widget webpage are displayed together in a common window of the web browser.

### Claim 8 (depends on 1)

The system according to claim 1, further including:
a universal merchant platform (UMP) providing a unified payment protocol for a plurality of different payment options, each payment option including a different payment protocol, wherein the transaction is processed to completion through integration of the payment widget with the UMP.

### Claim 9 (depends on 8)

The system according to claim 8, wherein the initialization routine further looks up a universal resource locator (URL) of the widget webpage by data uniquely identifying the merchant, the lookup performed in a database of the UMP, wherein the consumer device is further configured to:
load the widget webpage from the URL over the communications network.

### Claim 10 (depends on 1)

The system according to claim 1, further including:
a backoffice system of the merchant processing payment data to transfer funds between the consumer and the merchant and to complete the transaction, wherein the payment widget collects payment data from the consumer and returns at least some of the collected payment data to the backoffice system.

### Claim 11

A method for processing an electronic commerce transaction between a consumer and a merchant over a communications network, said method comprising:
displaying by a consumer device a checkout webpage of a virtual shopping cart of the merchant;
performing by the consumer device an initialization routine of the checkout webpage, the initialization routine segmenting the checkout webpage to display a widget webpage of a service provider within the checkout webpage, content of the widget webpage being loaded and displayed independent of content of the checkout webpage;
performing by the consumer device a bootstrap routine of the widget webpage to add a payment widget to the widget webpage and display the payment widget with the checkout webpage; and
processing by the consumer device the transaction to completion using the payment widget.

### Claim 12 (depends on 11)

The method according to claim 11, further including:
displaying a directory of products or services of the merchant, the directory loaded from a server of the merchant over the communications network;
receiving a selection of a product or service of the directory from the consumer; and
adding the selected product or service to the virtual shopping cart over the communications network.

### Claim 13 (depends on 11)

The method according to claim 11, further including
loading the checkout webpage from a server of the merchant over the communications network; and
loading the widget webpage from a server of a service provider over the communications network, the server of the merchant being different than the server of the service provider.

### Claim 14 (depends on 11)

The method according to claim 11, wherein the checkout webpage includes a universal resource locator (URL) pointing to the initialization routine, the initialization routine being on a server of a service provider different than the merchant, and wherein the method further includes:
loading the initialization routine from the URL over the communications network, wherein the URL is static and does not vary for different transactions.

### Claim 15 (depends on 11)

The method according to claim 11, further including:
loading the bootstrap routine from a server of a service provider over the communications network.

### Claim 16 (depends on 11)

The method according to claim 11, wherein the consumer device includes a web browser, and wherein the method further includes:
displaying the checkout webpage and the widget webpage together in a common window of the web browser.

### Claim 17 (depends on 11)

The method according to claim 11, wherein the method further includes:
processing the transaction to completion through integration of the payment widget with a universal merchant platform (UMP), the UMP providing a unified payment protocol for a plurality of different payment options, each payment option including a different payment protocol.

### Claim 18 (depends on 17)

The method according to claim 17, wherein the initialization routine further looks up a universal resource locator (URL) of the widget webpage by data uniquely identifying the merchant, the lookup performed in a database of the UMP, wherein the method further includes:
loading the widget webpage from the URL over the communications network.

### Claim 19 (depends on 11)

The method according to claim 11, further including:
collecting payment data from the consumer with the payment widget;
returning at least some of the collected payment data to a backoffice system of the merchant; and
processing the returned payment data by the backoffice system to transfer funds between the consumer and the merchant and to complete the transaction.

### Claim 20

A system for processing an electronic commerce transaction between a consumer and a merchant over a communications network, said system comprising:
at least one server of a service provider different than the merchant configured to:
provide an initialization routine of a checkout webpage, the checkout webpage being part of a virtual shopping cart of the merchant and displayed to the consumer, the initialization routine segmenting the checkout webpage to display a widget webpage of the service provider within the checkout webpage, content of the widget webpage being loaded and displayed independent of content of the checkout webpage;
provide a bootstrap routine of the widget webpage to add a payment widget to the widget webpage and display the payment widget with the checkout webpage; and
collecting payment data from the consumer using the payment widget; and
processing the transaction to completion using the collected payment data.