Dynamic payment optimization apparatuses, methods and systems

• US 8,571,937 B2
• Filed: 10/20/2011
• Issued: 10/29/2013
• Est. Priority Date: 10/20/2010
• Status: Active Grant

• Current Assignee: PlaySpan, Inc. (Visa, Inc.)
• Original Assignee: PlaySpan, Inc. (Visa, Inc.)
• Inventors: Rose, Mark, Shafie, Afshin, Bayer, Lex N.
• Primary Examiner(s): Frenel, Vanel
• Application Number:
  US13/278,171
• Publication Number:
  US 20120215648A1
• Time in Patent Office: 740 Days
• Field of Search: 705/16, 705/14.16, 705/26.1, 705/44, 705/75, 705/35, 705/40, 715/763, 340/506, 340/525
• US Class Current: 705/16
• CPC Class Codes: A63F 13/00 Video games, i.e. games using an electronically generated display having two or more dimensions gaming systems which provide a financial reward G07F17/32
• CPC Class Codes: A63F 13/792 for payment purposes, e.g. monthly subscriptions
• CPC Class Codes: G06Q 20/065 using e-cash
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/127 Shopping or accessing services according to a time-limitation
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/381 Currency conversion
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 : Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0641 : Shopping interfaces
• CPC Class Codes: G06Q 50/01 : Social networking

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.

Claims

1. A dynamic payment optimization processor-implemented method, comprising:

obtaining a user product purchase request for a user engaged in an online experience at a point of sale device;

identifying at least one attribute of at least one of;

the user;

the online experience; and

the point of sale device via parsing the user product purchase request;

customizing, via a processor, 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.

2. The method of claim 1, wherein the at least one attribute of the user is at least one of:

the user'"'"'s age;

an approximate location of the user;

an experience level of the user with the online experience; and

a prior behavioral pattern of the user.

3. The method of claim 1, wherein the at least one attribute of the online experience is at least one of:

an online experience type, an online experience genre; and

an online experience game level.

4. The method of claim 1, wherein the at least one attribute of the point of sale device is at least one of:

an approximate location of the point of sale device;

a type of the point of sale device;

a display attribute of the point of sale device;

an orientation of the point of sale device; and

a default language setting associated with the point of sale device.

5. The method of claim 1, wherein customizing one or more properties of the user interface includes customizing a number of displayed user interface element within the user interface display.

6. The method of claim 1, wherein customizing one or more properties of the user interface includes modifying a set of payment options displayed as available for initiating the purchase transaction related to the user product purchase request.

7. The method of claim 6, wherein modifying the set of payment options displayed as available for initiating the purchase transaction related to the user product purchase request includes modifying an order of display of the set of payment options displayed as available for initiating the purchase transaction related to the user product purchase request.

8. The method of claim 7, wherein modifying the set of payment options is performed based on historic purchasing data on payment options utilized by one or more users.

9. The method of claim 8, wherein the one or more users are randomly segmented from a population of users for dynamic payment optimization testing.

10. The method of claim 1, wherein the customized user interface is a user interface overlaid on top of the online experience.

11. The method of claim 1, wherein customizing one or more properties of a user interface includes customizing a language utilized in the user interface display.

12. The method of claim 1, wherein customizing one or more properties of a user interface includes customizing a currency utilized for the user product purchase request.

13. The method of claim 1, wherein customizing one or more properties of a user interface includes customizing an ordering of payment options provided within the user interface.

14. The method of claim 1, wherein customizing one or more properties of a user interface includes customizing a logo displayed within the user interface.

15. The method of claim 1, wherein customizing one or more properties of a user interface includes customizing offer and product pricing displayed within the user interface.

16. The method of claim 1, wherein the point of sale device is a user device.

17. A dynamic payment optimization system, comprising:

a processor; and

a memory disposed in communication with the processor and storing processor6 executable instructions to;

obtain a user product purchase request for a user engaged in an online experience at a point of sale device;

identify at least one attribute of at least one of;

the user;

the online experience;

and the point of sale device via parsing the user product purchase request;

customize 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

provide the customized user interface.

18. The system of claim 17, wherein the at least one attribute of the user is at least one of:

the user'"'"'s age;

an approximate location of the user;

an experience level of the user with the online experience; and

a prior behavioral pattern of the user.

19. The system of claim 17, wherein the at least one attribute of the online experience is at least one of:

an online experience type, an online experience genre; and

an online experience game level.

20. The system of claim 17, wherein the at least one attribute of the point of sale device is at least one of:

an approximate location of the point of sale device;

a type of the point of sale device;

a display attribute of the point of sale device;

an orientation of the point of sale device; and

a default language setting associated with the point of sale device.

21. The system of claim 17, wherein customizing one or more properties of the user interface includes customizing a number of displayed user interface element within the user interface display.

22. The system of claim 17, wherein customizing one or more properties of the user interface includes modifying a set of payment options displayed as available for initiating the purchase transaction related to the user product purchase request.

23. The system of claim 22, wherein modifying the set of payment options displayed as available for initiating the purchase transaction related to the user product purchase request includes modifying an order of display of the set of payment options displayed as available for initiating the purchase transaction related to the user product purchase request.

24. The system of claim 23, wherein modifying the set of payment options is performed based on historic purchasing data on payment options utilized by one or more users.

25. The system of claim 24, wherein the one or more users are randomly segmented from a population of users for dynamic payment optimization testing.

26. The system of claim 17, wherein the customized user interface is a user interface overlaid on top of the online experience.

27. The system of claim 17, wherein customizing one or more properties of a user interface includes customizing a language utilized in the user interface display.

28. The system of claim 17, wherein customizing one or more properties of a user interface includes customizing a currency utilized for the user product purchase request.

29. The system of claim 17, wherein customizing one or more properties of a user interface includes customizing an ordering of payment options provided within the user interface.

30. The system of claim 17, wherein customizing one or more properties of a user interface includes customizing a logo displayed within the user interface.

31. The system of claim 17, wherein customizing one or more properties of a user interface includes customizing offer and product pricing displayed within the user interface.

32. The system of claim 17, wherein the point of sale device is a user device.

33. A processor-readable tangible medium storing processor-executable dynamic payment optimization instructions to:

obtain a user product purchase request for a user engaged in an online experience at a point of sale device;

identify at least one attribute of at least one of;

the user;

the online experience; and

the point of sale device via parsing the user product purchase request;

customize 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

provide the customized user interface.

34. The medium of claim 33, wherein the at least one attribute of the user is at least one of:

the user'"'"'s age;

an approximate location of the user;

an experience level of the user with the online experience; and

a prior behavioral pattern of the user.

35. The medium of claim 33, wherein the at least one attribute of the online experience is at least one of:

an online experience type, an online experience genre; and

an online experience game level.

36. The medium of claim 33, wherein the at least one attribute of the point of sale device is at least one of:

an approximate location of the point of sale device;

a type of the point of sale device;

a display attribute of the point of sale device;

an orientation of the point of sale device; and

a default language setting associated with the point of sale device.

37. The medium of claim 33, wherein customizing one or more properties of the user interface includes customizing a number of displayed user interface element within the user interface display.

38. The medium of claim 33, wherein customizing one or more properties of the user interface includes modifying a set of payment options displayed as available for initiating the purchase transaction related to the user product purchase request.

39. The medium of claim 38, wherein modifying the set of payment options displayed as available for initiating the purchase transaction related to the user product purchase request includes modifying an order of display of the set of payment options displayed as available for initiating the purchase transaction related to the user product purchase request.

40. The medium of claim 39, wherein modifying the set of payment options is performed based on historic purchasing data on payment options utilized by one or more users.

41. The medium of claim 40, wherein the one or more users are randomly segmented from a population of users for dynamic payment optimization testing.

42. The medium of claim 33, wherein the customized user interface is a user interface overlaid on top of the online experience.

43. The medium of claim 33, wherein customizing one or more properties of a user interface includes customizing a language utilized in the user interface display.

44. The medium of claim 33, wherein customizing one or more properties of a user interface includes customizing a currency utilized for the user product purchase request.

45. The medium of claim 33, wherein customizing one or more properties of a user interface includes customizing an ordering of payment options provided within the user interface.

46. The medium of claim 33, wherein customizing one or more properties of a user interface includes customizing a logo displayed within the user interface.

47. The medium of claim 33, wherein customizing one or more properties of a user interface includes customizing offer and product pricing displayed within the user interface.

48. The medium of claim 33, wherein the point of sale device is a user device.