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US 11,144,903 B2Granted
Optimized multiple digital wallet presentation
AssigneePaypal, Inc.
InventorsWilliam Ready, Juan Antonio Benitez, II, James Robert von Behren, Andrew Kortina, Benjamin Eroe Mills
Life of this patent
Estimating the term…
Abstract
Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.
Claims20
A system comprising:
- a non-transitory memory;
- and
- one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
- receiving, via a user interface presented on a user device associated with a user, a purchase request related to a purchase from a merchant associated with the user interface;
- determining context data associated with the purchase based on sensor data obtained from one or more sensors of the user device;
- accessing profile information associated with the user, wherein the profile information indicates a plurality of digital wallets usable by the user to complete an electronic transaction for the purchase via the user interface associated with the merchant;
- performing an analysis of the context data and the plurality of digital wallets usable by the user;
- based on the analysis, determining that a prioritized display of a first one of the plurality of digital wallets will result in a higher likelihood of successful completion of the electronic transaction than at least a second one of the plurality of digital wallets;
- and
- transmitting instructions, to a merchant server computer system corresponding to the merchant, to cause a first graphical element associated with the first one of the plurality of digital wallets to be displayed on the user interface differently than a second graphical element associated with the second one of the plurality of digital wallets, wherein the first and second graphical elements are selectable by the user on the user device to complete the electronic transaction.
7 more elements
A method, comprising:
- receiving, by a first computer system via a web interface presented on a user device associated with a user, an indication of a selection of a particular interactive element of the web interface, wherein the particular interactive element corresponds to initiating an electronic transaction with an entity associated with the web interface;
- determining, by the first computer system, context data associated with the selection of the particular interactive element based on sensor data obtained from one or more sensors of the user device, wherein the context data includes information regarding the entity associated with the web interface;
- accessing, by the first computer system, profile information associated with the user, wherein the profile information indicates a plurality of digital wallets usable by the user to complete the electronic transaction via the web interface of the website;
- performing, by the first computer system, an analysis of the context data and the plurality of digital wallets usable by the user;
- based on the analysis, determining, by the first computer system, that a prioritized display of a first one of the plurality of digital wallets will result in a higher likelihood of successful completion of the electronic transaction than at least a second one of the plurality of digital wallets;
- and
- transmitting instructions, by the first computer system to a server computer system corresponding to the web interface, to cause a first graphical element associated with the first one of the plurality of digital wallets to be displayed on the user device differently than a second graphical element associated with the second one of the plurality of digital wallets, wherein the first graphical element is selectable by the user on the user device to complete the electronic transaction using the first one of the plurality of digital wallets.
4 more elements
A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
- receiving, via a web interface presented on a user device associated with a user, an indication of a selection of a particular interactive element of the web interface, wherein the particular interactive element corresponds to initiating an electronic transaction with an entity associated with the web interface;
- accessing context data associated with the selection of the particular interactive element based on sensor data obtained from one or more sensors of the user device, wherein the context data includes information regarding at least one of the entity or the electronic transaction;
- accessing profile information associated with the user, wherein the profile information indicates a plurality of digital wallets usable by the user to complete the electronic transaction via the web interface;
- performing an analysis of the context data and the plurality of digital wallets usable by the user;
- based on the analysis, determining that a prioritized display, on the web interface, of at least a first one of the plurality of digital wallets will result in a higher likelihood of successful completion of the electronic transaction than at least a second one of the plurality of digital wallets;
- and
- transmitting instructions to a server computer system corresponding to the web interface, to cause a first graphical element associated with the first one of the plurality of digital wallets to be displayed on the user device differently than a second graphical element associated with the second one of the plurality of digital wallets, wherein the first graphical element is selectable by the user on the user device to complete the electronic transaction using the first one of the plurality of digital wallets.
4 more elements
Dependencies are inferred from the claim text.