Dynamic payment optimization apparatuses, methods and systems

• US 9,757,644 B2
• Filed: 09/25/2013
• Issued: 09/12/2017
• Est. Priority Date: 10/20/2010
• Status: Active Grant

• Current Assignee: PlaySpan, Inc. (Visa, Inc.)
• Original Assignee: Playspin Incorporated
• Inventors: Rose, Mark, Shafie, Afshin, Bayer, Lex N.
• Primary Examiner(s): Frenel, Vanel
• Application Number:
  US14/036,562
• Publication Number:
  US 20140222594A1
• Time in Patent Office: 1,448 Days
• Field of Search: 705 16, 705 261, 705 39, 705 44, 705 76, 705 2681, 709202, 709203
• 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, by one or more data processors, a user product purchase request for a user engaged in a transaction for a good or service at a point-of-sale device having a plurality of point-of-sale device attributes;

identifying, by the one or more data processors, in the obtained plurality of point-of-sale device attributes, at least one point-of-sale device attribute to customize the point-of-sale 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 point-of-sale 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 point-of-sale 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 point-of-sale 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 point-of-sale device for capturing and detecting a product identifier;

a user interface element on the point-of-sale device for searching for products;

a user interface element on the point-of-sale 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 point-of-sale device.

2. 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 a good or service at a point-of-sale device having a plurality of point-of-sale device attributes;

identifying, by the one or more data processors, in the obtained plurality of point-of-sale device attributes, at least one point-of-sale device attribute to customize the point-of-sale 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 point-of-sale device attribute and with a merchant identifier;

customizing, by the one or more data processors, the widget user interface template using the identified at least one point-of-sale 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 point-of-sale 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 point-of-sale device for capturing and detecting a product identifier;

a user interface element on the point-of-sale device for searching for products;

a user interface element on the point-of-sale 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 point-of-sale device.

3. The method of claim 2, additionally comprising:

determining a session for the user engaged in the transaction for a good or service, wherein the session includes a session identifier; and

obtaining, using the session identifier, at least one profile characteristic for the user engaged in the transaction.

4. The method of claim 3, wherein customizing the widget user interface template includes customizing based on information associated with the determined session.

5. The method of claim 4, wherein the point-of-sale device is one of:

a merchant credit card terminal, a user device and a smart phone.

6. The method of claim 2, wherein the at least one point-of-sale device attribute to customize the point-of-sale device user interface comprises a device screen size.

7. The method of claim 2, wherein the at least one point-of-sale device attribute to customize the point-of-sale device user interface comprises a device location.

8. The method of claim 2, wherein providing the customized widget user interface template for use by the point-of-sale device includes configuring the widget user interface for use as a point-of-sale device user interface overlay.

9. The method of claim 2, wherein customizing the widget user interface template includes customizing the widget user interface template to display a custom logo.

10. The method of claim 2, wherein customizing the widget user interface template includes customizing an ordering of payment options.

11. The method of claim 2, wherein the widget user interface template is customized based on a factor that is one of:

a payment method, a user location, a user device capability and a point-of-sale device capability.

12. The method of claim 11, wherein the factor is a plurality of payment methods associated with the user'"'"'s virtual wallet.

13. The method of claim 12, wherein the user interface template customization includes re-ordering the plurality of payment methods into an order that is more likely to have the user complete a transaction.

14. The method of claim 13, wherein payment methods accepted in a given region are ordered higher.

15. The method of claim 13, wherein payment methods accepted by a merchant are ordered higher.

16. The method of claim 13, wherein payment methods preferred by the user are ordered higher.

17. A dynamic payment optimization processor-implemented apparatus, comprising:

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 a good or service at a point-of-sale device and a plurality of point-of-sale device attributes;

identify, in the obtained plurality of point-of-sale device attributes, at least one point-of-sale device attribute to customize the point-of-sale device user interface;

query a database for a widget user interface template associated with the identified at least one point-of-sale device attribute and with a merchant identifier;

customize, via a processor, the widget user interface template using the identified at least one point-of-sale 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 point-of-sale 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 point-of-sale device for capturing and detecting a product identifier;

a user interface element on the point-of-sale device for searching for products;

a user interface element on the point-of-sale 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 point-of-sale device.

18. The apparatus of claim 17, wherein the process is further configured to execute instructions to:

determine a session for the user engaged in the transaction for a good or service, wherein the session includes a session identifier; and

obtain, using the session identifier, at least one profile characteristic for the user engaged in the transaction.

19. A dynamic payment optimization processor-implemented system, comprising:

means to obtain a user product purchase request for a user engaged in a transaction for a good or service at a point-of-sale device and a plurality of point-of-sale device attributes;

means to identify, in the obtained plurality of point-of-sale device attributes, at least one point-of-sale device attribute to customize the point-of-sale device user interface;

means to query a database for a widget user interface template associated with the identified at least one point-of-sale device attribute and with a merchant identifier;

means to customize, via a processor, the widget user interface template using the identified at least one point-of-sale 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 point-of-sale 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 point-of-sale device for capturing and detecting a product identifier;

a user interface element on the point-of-sale device for searching for products;

a user interface element on the point-of-sale 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

means to provide the customized widget user interface template for use by the point-of-sale device.

20. The system of claim 19, additionally comprising:

means to determine a session for the user engaged in the transaction for a good or service, wherein the session includes a session identifier; and

means to obtain, using the session identifier, at least one profile characteristic for the user engaged in the transaction.