METHOD AND APPARATUS FOR PROVIDING USER ACCESS TO PAYMENT METHODS
First Claim
1. A computer-implemented method for providing user access to payment methods, comprising:
- a processor generating a set of recommended payment methods in a set of payment methods to form a recommendation, wherein the set of recommended payment methods are recommended to complete a transaction;
the processor providing the recommendation to a user on a user interface;
determining whether the recommendation includes a recommended payment method that is presently unavailable to the user, wherein the recommended payment method includes an incentive for the user to use the recommended payment method; and
responsive to a determination that the recommendation includes a recommended payment method that is presently unavailable to the user, the processor providing an application on the user interface for the user to apply to a payment method provider for a right to use the recommended payment method, wherein the recommended payment method comprises one of a payment by a credit card and a payment by a debit card, and wherein providing an application on the user interface for the user to apply for the right to use the recommended payment method comprises providing an application on the user interface for the user to apply for the right to use one of the credit card and the debit card.
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Accused Products
Abstract
The illustrative embodiments described herein provide a computer-implemented method, apparatus, and computer program product for providing user access to payment methods. The process generates a set of recommended payment methods in a set of payment methods to form a recommendation. The set of recommended payment methods are recommended to complete the transaction. The process provides the recommendation to a user on a user interface. The process provides the application for the user to apply for the right to use the recommended payment method on a user interface in response to a determination that a recommended payment method in the recommendation is presently unavailable to the user.
42 Citations
20 Claims
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1. A computer-implemented method for providing user access to payment methods, comprising:
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a processor generating a set of recommended payment methods in a set of payment methods to form a recommendation, wherein the set of recommended payment methods are recommended to complete a transaction; the processor providing the recommendation to a user on a user interface; determining whether the recommendation includes a recommended payment method that is presently unavailable to the user, wherein the recommended payment method includes an incentive for the user to use the recommended payment method; and responsive to a determination that the recommendation includes a recommended payment method that is presently unavailable to the user, the processor providing an application on the user interface for the user to apply to a payment method provider for a right to use the recommended payment method, wherein the recommended payment method comprises one of a payment by a credit card and a payment by a debit card, and wherein providing an application on the user interface for the user to apply for the right to use the recommended payment method comprises providing an application on the user interface for the user to apply for the right to use one of the credit card and the debit card. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer program product, comprising:
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a computer-readable medium having computer-usable program code for providing user access to payment methods, the computer program product comprising; computer-usable program code for generating a set of recommended payment methods in a set of payment methods to form a recommendation, wherein the set of recommended payment methods are recommended to complete a transaction; computer-usable program code for providing the recommendation to a user on a user interface; and computer-usable program code, responsive to a determination that the recommendation includes a recommended payment method that is presently unavailable to the user, and which includes an incentive for the user to use the recommended payment method, for providing an application on the user interface for the user to apply to a payment method provider for a right to use the recommended payment method, wherein the recommended payment method comprises one of a payment by a credit card and a payment by a debit card, and wherein providing an application on the user interface for the user to apply for the right to use the recommended payment method comprises providing an application on the user interface for the user to apply for the right to use one of the credit card and the debit card. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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16. A system for providing user access to payment methods, comprising:
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a processor, the processor comprising; a recommendation engine, wherein the recommendation engine generates a set of recommended payment methods in a set of payment methods to form a recommendation, wherein the set of recommended payment methods are recommended to complete a transaction, and wherein the recommendation engine provides the recommendation to a user on a user interface; and a payment method acquisition module, wherein the payment method acquisition module, in response to a determination that the recommendation includes a recommended payment method that is presently unavailable to the user, and which includes an incentive for the user to use the recommended payment method, provides an application on the user interface for the user to apply to a payment method provider for a right to use the recommended payment method, wherein the recommended payment method comprises one of a payment by a credit card and a payment by a debit card, and wherein the application provided on the user interface comprises an application for the user to apply for the right to use one of the credit card and the debit card. - View Dependent Claims (17, 18, 19, 20)
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Specification