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US 8,788,324 B1Granted
Preferred payment type
AssigneeAmazon Technologies, Inc.
InventorsArjun Shetty, Mary Kay Bowman, Peter S. Vosshall
Life of this patent
Estimating the term…
Abstract
Creation and placement of rewards associated with preferred payment types enables a merchant to incentivize a customer for selecting the preferred payment types. A number of payment types may be presented to a customer, where at least one payment type is a preferred payment type with an associated reward. The reward may be transmitted to the customer if the customer satisfies conditions for obtaining the reward. The conditions may include using the preferred payment type, applying for the preferred payment type, or making the preferred payment type the default payment type, among other possibilities.
Claims25
A checkout method, comprising:
- transmitting to a customer device payment options available for selection by a customer, using the customer device, for completing a transaction with a merchant, wherein at least one of the payment options is a preferred payment option for the merchant;
- generating, by one or more computing devices, a reward for the customer, the reward associated with the at least one preferred payment option and based at least in part on a profit of the transaction to be received by the merchant for accepting the at least one preferred payment option, the profit being based on one or more items in a shopping cart associated with the customer;
- transmitting to the customer device an indication of the reward to the customer in association with the at least one preferred payment option, the reward provided by the merchant;
- in response to receiving a selection of the at least one preferred payment option, determining whether the at least one preferred payment option is included in an account associated with the customer;
- in response to determining that the at least one preferred payment option is not included in the account and at a time after receiving the selection of the at least one preferred payment option:
- populating an application for the at least one preferred payment option with customer information that is stored in the account;
- and
- providing the reward or an indication of the reward to the customer via the customer device after the customer uses the at least one preferred payment option to complete the transaction;
- and
- in response to determining that the at least one preferred payment option is included in the account, providing the reward or an indication of the reward to the customer via the customer device after the customer uses the at least one preferred payment option to complete the transaction.
7 more elements
A method, comprising:
- transmitting to a customer device multiple payment options available for selection by a customer, using the customer device, for completing a transaction with a merchant, wherein at least one of the payment options is a preferred payment type;
- determining a cost for processing individual ones of the payment options;
- determining a profit margin associated with one or more items included in an order associated with the transaction;
- determining, by one or more computing devices, a reward associated with the preferred payment type based at least in part on the cost determined for processing individual ones of the payment options, wherein a value of the reward is determined from the profit margin associated with the one or more items;
- transmitting, to the customer device and prior to selection of the preferred payment type, an indication of the reward in connection with the preferred payment type, wherein the reward comprises an offer in exchange for using the preferred payment type to complete the transaction;
- and
- providing the reward or an indication of the reward to the customer via the customer device after the customer selects the preferred payment type to complete the transaction.
4 more elements
A method comprising:
- obtaining, by at least one of one or more hardware processors, a transaction history for a customer that includes a payment history with a merchant, wherein the payment history is obtained from payment data that is stored in memory, and wherein the payment history indicates a rejection of a previous reward offered by the merchant to the customer to incentivize the customer to use a payment type;
- determining, by at least one of the one or more hardware processors, a new reward supplied and offered by the merchant, the new reward based at least in part on a value of the previous reward that was rejected by the customer and a profit of a pending transaction to be received by the merchant for accepting the payment type, the profit being based on one or more items included in an order associated with the pending transaction;
- and
- transmitting to a customer device an indication of the new reward in an offer to use the payment type to satisfy the pending transaction.
1 more element
A system comprising:
- one or more processors;
- and
- memory to store computer-executable instructions that, when executed by the one or more processors, cause the one or more processors to perform acts comprising:
- transmitting to a customer device payment options available for selection by a customer, using the customer device, for completing a transaction with a merchant, wherein at least one of the payment options is a preferred payment option for the merchant;
- generating a reward for the customer, the reward associated with the at least one preferred payment option and based at least in part on a profit of the transaction to be received by the merchant for accepting the at least one preferred payment option, the profit being based on one or more items in a shopping cart associated with the customer;
- transmitting to the customer device an indication of the reward to the customer in association with the at least one preferred payment option, the reward provided by the merchant;
- in response to receiving a selection of the at least one preferred payment option, determining whether the at least one preferred payment option is included in an account associated with the customer;
- in response to determining that the at least one preferred payment option is not included in the account and at a time after receiving the selection of the at least one preferred payment option:
- populating an application for the at least one preferred payment option with customer information that is stored in the account;
- and
- providing the reward or an indication of the reward to the customer via the customer device after the customer uses the at least one preferred payment option to complete the transaction;
- and
- in response to determining that the at least one preferred payment option is included in the account, providing the reward or an indication of the reward to the customer via the customer device after the customer uses the at least one preferred payment option to complete the transaction.
10 more elements
A system comprising:
- one or more processors;
- and
- memory to store computer-executable instructions that, when executed by the one or more processors, cause the one or more processors to perform acts comprising:
- obtaining a transaction history for a customer that includes a payment history with a merchant, wherein the payment history is obtained from payment data that is stored in the memory, and wherein the payment history indicates a rejection of a previous reward offered by the merchant to the customer to incentivize the customer to use a payment type;
- determining a new reward supplied and offered by the merchant, the new reward based at least in part on a value of the previous reward that was rejected by the customer and a profit of a pending transaction to be received by the merchant for accepting the payment type, the profit being based on one or more items included in an order associated with the pending transaction;
- and
- transmitting to a customer device an indication of the new reward in an offer to use the payment type to satisfy the pending transaction.
4 more elements
Dependencies are inferred from the claim text.