# US 10,500,481 B2 · Dynamic payment optimization apparatuses, methods and systems > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,500,481 B2 - Document ID: US10500481B2 - Status: Granted - Kind: B2 - Application number: 15/701,391 - Filed: 2017-09-11 - Published: 2018-03-01 - Granted: 2019-12-10 - Earliest claimed: 2010-10-20 - Assignees: Playspan Inc. - Applicants: Playspan Inc. - Inventors: Mark Rose; Afshin Shafie; Lex N. Bayer - Web page: https://patentgrep.com/patent/US10500481B2 ## CPC - G06Q 20/384: {using social networks} - A63F 13/00: Video games, i.e. games using an electronically generated display having two or more dimensions - G06Q 10/40: Business processes related to social networking or social networking services - G06Q 10/48: using social graphs - G06Q 20/065: {using e-cash} - G06Q 20/12: specially adapted for electronic shopping systems - G06Q 20/127: {Shopping or accessing services according to a time-limitation} - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/3274: {using a pictured code, e.g. barcode or QR-code, being displayed on the M-device} - G06Q 20/3276: {using a pictured code, e.g. barcode or QR-code, being read by the M-device} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/363: {with the personal data of a user} - G06Q 20/381: {Currency conversion} - G06Q 20/385: {using an alias or single-use codes} - G06Q 20/386: {using messaging services or messaging apps (using mobile network messaging services for payment, e.g. SMS G06Q20/3255)} - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 20/425: {using two different networks, one for transaction and one for security confirmation} - G06Q 30/0207: Discounts or incentives, e.g. coupons or rebates - G06Q 30/0241: Advertisements - G06Q 30/06: Buying, selling or leasing transactions - G06Q 30/0601: Electronic shopping [e-shopping] - G06Q 30/0641: {utilising user interfaces specially adapted for shopping} - A63F 13/792: for payment purposes, e.g. monthly subscriptions - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - A63F: CARD, BOARD, OR ROULETTE GAMES; INDOOR GAMES USING SMALL MOVING PLAYING BODIES; VIDEO GAMES; GAMES NOT OTHERWISE PROVIDED FOR ## 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 ### 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. ### Claim 2 (depends on 1) The method of claim 1, additionally comprising: determining a session for the user engaged in the transaction for goods or services, 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. ### Claim 3 (depends on 2) The method of claim 2, wherein customizing the widget user interface template includes customizing based on information associated with the determined session. ### Claim 4 (depends on 3) The method of claim 3, wherein the user trusted computing device is one of: a merchant credit card terminal, a user device, a point-of-sale terminal, and a smart phone. ### Claim 5 (depends on 1) The method of claim 1, wherein the at least one user trusted computing device attribute to customize the user trusted computing device user interface comprises a device screen size. ### Claim 6 (depends on 1) The method of claim 1, wherein the at least one user trusted computing device attribute to customize the user trusted computing device user interface comprises a device location. ### Claim 7 (depends on 1) The method of claim 1, wherein providing the customized widget user interface template for use by the user trusted computing device includes configuring the widget user interface for use as a user trusted computing device user interface overlay. ### Claim 8 (depends on 1) The method of claim 1, wherein customizing the widget user interface template includes customizing the widget user interface template to display a custom logo. ### Claim 9 (depends on 1) The method of claim 1, wherein customizing the widget user interface template includes customizing an ordering of payment options. ### Claim 10 (depends on 1) The method of claim 1, 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 user trusted computing device capability. ### Claim 11 (depends on 10) The method of claim 10, wherein the factor is a plurality of payment methods associated with the user's virtual wallet. ### Claim 12 (depends on 11) The method of claim 11, 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. ### Claim 13 (depends on 12) The method of claim 12, wherein payment methods accepted in a given region are ordered higher. ### Claim 14 (depends on 12) The method of claim 12, wherein payment methods accepted by a merchant are ordered higher. ### Claim 15 (depends on 12) The method of claim 12, wherein payment methods preferred by the user are ordered higher. ### Claim 16 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. ### Claim 17 (depends on 16) The apparatus of claim 16, wherein the process is further configured to execute instructions to: determine a session for the user engaged in the transaction for goods or services, 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. ### Claim 18 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. ### Claim 19 (depends on 18) The system of claim 18, wherein the processor is configured for: determining a session for the user engaged in the transaction for goods or services, 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.