Augmented Reality Action Overlay for Personalized Purchase Decisions

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Solution Overview

Problem

Existing image processing systems fail to provide users with personalized action data corresponding to objects depicted in images, leading to difficulty in visualizing prospective actions and inefficient use of payment instruments, often resulting in suboptimal transaction outcomes.

Innovation Solution

A system and method that generates and overlays action data specific to the user over image data using augmented reality, allowing simultaneous viewing of objects and associated actions, and assists in selecting optimal payment instruments and sponsorship opportunities.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of information

If image processing systems are used to analyze images depicting objects, then image analysis is performed, but the systems do not perform augmentations on the static images that are associated with the objects depicted in the images

Engineering Contradiction:
Improveaction dataVSAvoidsystem complexity
Core Design Contradiction:
Loss of informationVSDevice complexity

Solution Approach 1:

The patent introduces an augmented reality interface as an intermediary between the image processing system and the user. This interface overlays action data (such as payment instruments, brokers, and merchants) directly onto the static image of the object, allowing the system to provide comprehensive information without requiring the user to navigate complex menus or interfaces. The augmented reality layer acts as a mediator that integrates multiple data sources and presents them in a unified, context-relevant manner.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent transitions from a two-dimensional static image display to a multi-dimensional augmented reality interface. By overlaying multiple layers of information (action data, payment options, broker information) onto the base image, the system adds depth and dimensionality to the information presentation. This allows users to access comprehensive action data without increasing the physical complexity of the device, as the additional information exists in a digital overlay dimension.

Inventive Principle:
Principle #17Another dimension (Dimensionality change)

2Ease of operation

If people use image processing systems to analyze images, then image analysis is performed, but users have difficulty visualizing prospective actions associated with the object due to complicated combinations of payment instruments, brokers, or merchants

Engineering Contradiction:
Improvevisualization of prospective actionsVSAvoidaction data
Core Design Contradiction:
Ease of operationVSLoss of information

Solution Approach 1:

The patent merges multiple separate information sources (payment instruments, brokers, merchants, and action data) into a single augmented reality interface that is overlaid on the object image. Instead of requiring users to access separate screens or menus for each type of information, the system combines all relevant action data into one unified visualization layer, making it easy to view and compare different options while seeing the object itself.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The patent applies local quality by positioning specific action data near the corresponding object or region of interest in the image. The augmented reality interface displays information locally at the point of relevance, such as showing payment options directly next to the object being purchased or displaying broker information in proximity to the transaction details. This localized presentation makes the information more intuitive and easier to associate with the correct object or action.

Inventive Principle:
Principle #3Local quality

3Loss of information

If static images are displayed with objects, then object visualization is provided, but users cannot simultaneously view action data specific to them

Engineering Contradiction:
Improvepersonalized action dataVSAvoidinterface complexity
Core Design Contradiction:
Loss of informationVSDevice complexity

Solution Approach 1:

The patent performs preliminary action by pre-filtering and personalizing the action data based on the user's profile, preferences, and historical behavior before displaying it in the augmented reality interface. The system analyzes the user's characteristics and pre-selects the most relevant payment instruments, brokers, and merchants to display, rather than showing all possible options. This preliminary processing reduces the complexity of the interface by only presenting personalized, relevant information while maintaining comprehensive action data availability.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent implements dynamics by making the augmented reality interface adaptive and responsive to user interactions. The action data displayed can dynamically change based on user selections, preferences, and real-time context. The interface can adjust the level of detail, reorganize information based on user attention, and update content as the user navigates through different views or selections. This dynamic behavior allows the system to maintain simplicity while providing comprehensive personalized information.

Inventive Principle:
Principle #15Dynamics

Data Source

PatentUS12602883B2Systems and methods for prospective action display and execution through augmented reality
Publication Date: 2026.04.14 WELLS FARGO BANK NA
  • US12602883B2 patent drawing
  • US12602883B2 patent drawing
  • US12602883B2 patent drawing

AI summary

A system includes a processing circuit. The processing circuit is configured to receive an indication of a log-in into a client application. The log-in causes a launching of an image capture graphical user interface. The client application is executed by a user device associated with a user. The processing circuit is also configured to acquire image data associated with an image and user data relating to the user. The image data is associated with an object depicted in the image. The processing circuit is also configured to determine, based on the image data, a prospective action associated with the object. The processing circuit is also configured to generate, based on comparing the prospective action to the user data, action data specific to the user for completing the prospective action. The processing circuit is also configured to augment the image capture graphical user interface by including the action data.