Methods and systems for enhancing online payment transaction experience

Abstract

Embodiments provide methods, and server systems for enhancing online payment transaction experience. A method includes receiving, by a server system associated with a payment network, a tokenization request based on selecting a payment card of a plurality of payment cards of a user from a payment application running on a user device for processing an online payment transaction using the selected payment card at a merchant payment interface on the user device. The tokenization request includes a card information of the selected payment card. The method includes facilitating generation of a digital token. The digital token includes a tokenized card information of the selected payment card. The method includes provisioning the digital token in a floating widget at the merchant payment interface on the user device. The floating widget enables the user to enter the digital token at the merchant payment interface for processing the online payment transaction.

What is claimed is: 
     
         1 . A computer program product comprising at least one non-transitory computer-readable storage medium, the computer-readable storage medium comprising a set of instructions which, when executed by one or more processors in a user device, cause the user device to perform operations comprising:
 presenting, via a payment application running on the user device, an interactive user interface;   sending, to a server, a tokenization request based on a selected a payment card of a user for processing an online payment transaction using the selected payment card at a merchant payment interface on the user device, wherein the tokenization request at least comprises a card information of the selected payment card;   receiving, from the server, a digital token comprising a tokenized card information of the selected payment card; and   displaying, via the interactive user interface, the digital token as an image in a floating widget, wherein the floating widget remains visible after switching to a merchant payment interface and enables the user to manually enter the digital token at the merchant payment interface for processing the online payment transaction;   wherein a screenshot of the floating widget is disabled while the token as an image is displayed to prevent copying of the token; and   wherein the floating widget is automatically closed based on one or more of detecting an inactivity for a predetermined time-period on the merchant payment interface or detecting switching of the merchant payment interface by an application other than the payment application running on the user device.   
     
     
         2 . The computer program product of  claim 1 , wherein the instructions, when executed, cause the user device to perform further operations comprising:
 receiving one of a Personal Identification Number (PIN), a password or a One-time Password (OTP); and   displaying, via the interactive user interface, the one of the PIN, the password or the OTP in the floating widget, wherein the floating widget enables the user to enter the one of the PIN, the password or the OTP at the merchant payment interface for processing the online payment transaction.   
     
     
         3 . The computer program product of  claim 2 , wherein the OTP is received via an SMS application reading an SMS message containing the OTP. 
     
     
         4 . The computer program product of  claim 1 , wherein the instructions, when executed, cause the user device to perform further operations comprising:
 obtaining, via the interactive user interface, a biometric input from the user for authentication of the user;   wherein the biometric input includes one or more of a facial scan, a fingerprint scan, a retina scan, an iris scan, or a voice input.   
     
     
         5 . The computer program product of  claim 1 , wherein the instructions, when executed, cause the user device to perform further operations comprising:
 displaying a pre-defined list of merchants for user selection via the interactive user interface;   receiving a user selection of one or more merchants from the pre-defined list of the merchants; and   linking at least one payment card of one or more of payment cards of the user with each of the one or more user selected merchants.   
     
     
         6 . The computer program product of  claim 5 , wherein the instructions, when executed, cause the user device to perform further operations comprising:
 sending, to the server, a request to initiate tokenization of a pre-linked payment card from a user selected merchant of the one or more user selected merchants, the request generated based on a user selection of a token based payment from the merchant payment interface; and   displaying, via the interactive user interface, the digital token in the floating widget at the merchant payment interface on the user device, wherein the floating widget enables the user to enter the digital token at the merchant payment interface for processing the online payment transaction.   
     
     
         7 . The computer program product of  claim 6 , wherein the floating widget is displayed as a horizontal bar to include a plurality of digital tokens, each digital token for a different one of the one or more user selected merchants. 
     
     
         8 . The computer program product of  claim 1 , wherein the floating widget is sized to fit the contents of the digital token, and wherein the floating widget is relocatable within a display screen of the user device. 
     
     
         9 . A computer implemented method comprising:
 presenting, via a payment application running on a user device, an interactive user interface;   sending, to a server, a tokenization request based on a selected a payment card of a user for processing an online payment transaction using the selected payment card at a merchant payment interface on the user device, wherein the tokenization request at least comprises a card information of the selected payment card;   receiving, from the server, a digital token comprising a tokenized card information of the selected payment card; and   displaying, via the interactive user interface, the digital token as an image in a floating widget, wherein the floating widget remains visible after switching to a merchant payment interface and enables the user to manually enter the digital token at the merchant payment interface for processing the online payment transaction;   wherein a screenshot of the floating widget is disabled while the token as an image is displayed to prevent copying of the token; and   wherein the floating widget is automatically closed based on one or more of detecting an inactivity for a predetermined time-period on the merchant payment interface or detecting switching of the merchant payment interface by an application other than the payment application running on the user device.   
     
     
         10 . The method of  claim 9 , further comprising:
 receiving one of a Personal Identification Number (PIN), a password or a One-time Password (OTP); and   displaying, via the interactive user interface, the one of the PIN, the password or the OTP in the floating widget, wherein the floating widget enables the user to enter the one of the PIN, the password or the OTP at the merchant payment interface for processing the online payment transaction.   
     
     
         11 . The method of  claim 10 , wherein the OTP is received via an SMS application reading an SMS message containing the OTP. 
     
     
         12 . The method of  claim 9 , further comprising:
 obtaining, via the interactive user interface, a biometric input from the user for authentication of the user;   wherein the biometric input includes one or more of a facial scan, a fingerprint scan, a retina scan, an iris scan, or a voice input.   
     
     
         13 . The method of  claim 9 , further comprising:
 displaying a pre-defined list of merchants for user selection via the interactive user interface;   receiving a user selection of one or more merchants from the pre-defined list of the merchants; and   linking at least one payment card of one or more of payment cards of the user with each of the one or more user selected merchants.   
     
     
         14 . The method of  claim 13 , further comprising:
 sending, to the server, a request to initiate tokenization of a pre-linked payment card from a user selected merchant of the one or more user selected merchants, the request generated based on a user selection of a token based payment from the merchant payment interface; and   displaying, via the interactive user interface, the digital token in the floating widget at the merchant payment interface on the user device, wherein the floating widget enables the user to enter the digital token at the merchant payment interface for processing the online payment transaction.   
     
     
         15 . The method of  claim 14 , wherein the floating widget is displayed as a horizontal bar to include a plurality of digital tokens, each digital token for a different one of the one or more user selected merchants. 
     
     
         16 . The method of  claim 9 , wherein the floating widget is sized to fit the contents of the digital token, and wherein the floating widget is relocatable within a display screen of the user device. 
     
     
         17 . A computing device comprising:
 a processor; and   a memory coupled to the processor, the memory storing instructions which, when executed by the processor, cause the computing device to perform operations comprising:
 presenting, via a payment application running on the computing device, an interactive user interface; 
 sending, to a server, a tokenization request based on a selected a payment card of a user for processing an online payment transaction using the selected payment card at a merchant payment interface on the computing device, wherein the tokenization request at least comprises a card information of the selected payment card; 
 receiving, from the server, a digital token comprising a tokenized card information of the selected payment card; and 
 displaying, via the interactive user interface, the digital token as an image in a floating widget, wherein the floating widget remains visible after switching to a merchant payment interface and enables the user to manually enter the digital token at the merchant payment interface for processing the online payment transaction; 
 wherein a screenshot of the floating widget is disabled while the token as an image is displayed to prevent copying of the token; and 
 wherein the floating widget is automatically closed based on one or more of detecting an inactivity for a predetermined time-period on the merchant payment interface or detecting switching of the merchant payment interface by an application other than the payment application running on the computing device. 
   
     
     
         18 . The computing device of  claim 17 , wherein the instructions, when executed, cause the computing device to perform further operations comprising:
 receiving one of a Personal Identification Number (PIN), a password or a One-time Password (OTP); and   displaying, via the interactive user interface, the one of the PIN, the password or the OTP in the floating widget, wherein the floating widget enables the user to enter the one of the PIN, the password or the OTP at the merchant payment interface for processing the online payment transaction;   wherein the OTP is received via an SMS application reading an SMS message containing the OTP.   
     
     
         19 . The computing device of  claim 17 , wherein the instructions, when executed, cause the computing device to perform further operations comprising:
 obtaining, via the interactive user interface, a biometric input from the user for authentication of the user;   wherein the biometric input includes one or more of a facial scan, a fingerprint scan, a retina scan, an iris scan, or a voice input.   
     
     
         20 . The computing device of  claim 17 , wherein the instructions, when executed, cause the computing device to perform further operations comprising:
 displaying a pre-defined list of merchants for user selection via the interactive user interface;   receiving a user selection of one or more merchants from the pre-defined list of the merchants;   linking at least one payment card of one or more of payment cards of the user with each of the one or more user selected merchants;   sending, to the server, a request to initiate tokenization of a pre-linked payment card from a user selected merchant of the one or more user selected merchants, the request generated based on a user selection of a token based payment from the merchant payment interface; and   displaying, via the interactive user interface, the digital token in the floating widget at the merchant payment interface on the user device, wherein the floating widget enables the user to enter the digital token at the merchant payment interface for processing the online payment transaction;   wherein the floating widget is displayed as a horizontal bar to include a plurality of digital tokens, each digital token for a different one of the one or more user selected merchants.