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Dynamic payment optimization apparatuses, methods and systems

  • US 10,500,481 B2
  • Filed: 09/11/2017
  • Issued: 12/10/2019
  • Est. Priority Date: 10/20/2010
  • Status: Active Grant
First Claim
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1. A dynamic payment optimization processor-implemented method, comprising:

  • obtaining, by one or more data processors, a user product purchase request for a user engaged in a transaction for goods or services at a user trusted computing device having a plurality of user trusted computing device attributes;

    identifying, by the one or more data processors, in the obtained plurality of user trusted computing device attributes, at least one user trusted computing device attribute to customize the user trusted computing device user interface;

    querying, by the one or more data processors, a database for a widget user interface template associated with the identified at least one user trusted computing device attribute and with a merchant identifier;

    determining, by the one or more data processors, a transaction session for the user engaged in the transaction for the good or service, wherein the transaction session includes a session identifier;

    obtaining, by the one or more data processors, using the session identifier, at least one profile characteristic for the user engaged in the transaction;

    customizing for the transaction session, by the one or more data processors, based on the widget user interface template using the at least one profile characteristic for the user engaged in the transaction and the identified at least one user trusted computing device attribute and additionally the merchant identifier for customizing the widget user interface template to a specific merchant, said customized widget user interface defining user interface elements on the user trusted computing device for the user for interactions with the user, said defined user interface elements comprising one or more of the following;

    a user interface element on the user trusted computing device for capturing and detecting a product identifier;

    a user interface element on the user trusted computing device for searching for products;

    a user interface element on the user trusted computing device for switching between screens;

    a user interface element for displaying a location indication;

    a user interface element for displaying and accepting payment options;

    a user interface element for displaying a user profile and accepting modifications to the user profile; and

    providing, by the one or more data processors, the customized widget user interface template for use by the user trusted computing device.

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