US 10,500,481 B2Granted

Dynamic payment optimization apparatuses, methods and systems

AssigneePlayspan Inc.

InventorsMark Rose, Afshin Shafie, Lex N. Bayer

Life of this patent

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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.

Claims19

Dependent claims

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.

11 more elements

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 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.

12 more elements

A dynamic payment optimization processor-implemented system, comprising:

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.

10 more elements

Dependencies are inferred from the claim text.

Facts

Application: 15/701,391Filed 11 Sep 2017 · continuation
Priority: 20 Oct 2010
Published: US 2018/0056179 A11 Mar 2018
Granted: 10 Dec 2019
Term ends: Not estimatedThe source records don’t support an estimate.

Classification27 codes

G06Q 20/384
Payment protocols; Details thereof: using social networks
A63F 13/00
Video games, i.e. games using an electronically generated display having two or
G06Q 10/40
Administration; Management: business processes related to social networking or social networking services
G06Q 10/48
Business processes related to social networking or social networking services: using social graphs

Family

Application61/455,378Us provisional application · filed 20 Oct 2010
Application61/455,379Us provisional application · filed 20 Oct 2010
Application61/455,383Us provisional application · filed 20 Oct 2010
Application61/455,454Us provisional application · filed 21 Oct 2010
Application61/506,425Us provisional application · filed 11 Jul 2011
Application13/278,171Parent of this continuation · filed 20 Oct 2011
Application14/036,562Parent of this continuation · filed 25 Sep 2013
US 2018/0056179 A1Pre-grant publication · published 1 Mar 2018
US 9,757,644 B2Parent of this continuation
US 8,571,937 B2Parent of this continuation
US 2012/0215648 A1Published application
US 2014/0222594 A1Published application
US 10,500,481 B2This patent

From the US filing history. Foreign family members aren’t listed.

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