Dynamic payment optimization apparatuses, methods and systems
First Claim
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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Abstract
The DYNAMIC PAYMENT OPTIMIZATION APPARATUSES, METHODS AND SYSTEMS (“DPO”) transform requests for on-demand and flexible monetization and related services via DPO components into currency transfers, purchase receipt notifications, social networking communications and transaction analytics reports. In some embodiments, the DPO obtains a user product purchase request for a user engaged in an online experience at a point of sale device. The DPO parses the user product purchase request, and thereby identifies at least one attribute of at least one of: the user; the online experience; and the point of sale device. The DPO customizes one or more properties of a user interface for initiating a purchase transaction related to the user product purchase request, according to the identified at least one attribute of the user, the online experience or the point of sale device; and providing the customized user interface.
687 Citations
19 Claims
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1. A dynamic payment optimization processor-implemented method, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A dynamic payment optimization processor-implemented apparatus, comprising:
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a memory; and a processor disposed in communication with said memory, and configured to execute a plurality of processing instructions stored in the memory, wherein the processor executes instructions to; obtain a user product purchase request for a user engaged in a transaction for goods or services at a user trusted computing device and a plurality of user trusted computing device attributes; identify, 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; query 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; customize, via a processor, the widget user interface template using the identified at least one user trusted computing device attribute and 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 provide the customized widget user interface template for use by the user trusted computing device. - View Dependent Claims (17)
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18. A dynamic payment optimization processor-implemented system, comprising:
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an interface for obtaining a user product purchase request for a user engaged in a transaction for goods or services at a user trusted computing device and a plurality of user trusted computing device attributes; a processor configured to execute computer-executable instructions for; identifying, 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 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; customizing the widget user interface template using the identified at least one user trusted computing device attribute and 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 wherein the interface provides the customized widget user interface template for use by the user trusted computing device. - View Dependent Claims (19)
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Specification