Browser Extension Automated Offer Enrollment
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Solution Overview
Problem
Users are unaware of available offers or promotions when initiating or completing transactions, as they need to separately navigate to various websites or information portals hosted by transaction account issuers, payment networks, and merchants.
Innovation Solution
A system using a browser extension that receives a merchant URL and an offer ID, determines the merchant ID, retrieves available offers, and transmits them to the user device, allowing users to enroll in offers and promotions seamlessly without navigating to separate websites.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If users navigate to separate websites or information portals to review offers, then they can access available promotions, but this increases the time and complexity of the transaction process
Solution Approach 1:
The patent merges the offer information portal into the transaction flow by injecting offer data directly into the webpage through which users initiate transactions. This integration eliminates the need for users to navigate to separate websites, combining the offer review function with the existing transaction interface and thereby reducing access time while maintaining information availability.
Solution Approach 2:
The system employs an intermediary component that communicates with both the offer database and the user's browser. This intermediary retrieves offer information associated with the merchant and injects it into the webpage, serving as a mediator that delivers offer data without requiring users to leave the current transaction interface, thus resolving the contradiction between information access and time efficiency.
2Loss of information
If users navigate to separate websites to review offers, then they can access promotions, but this increases device complexity and operational steps
Solution Approach 1:
The patent combines the offer review functionality with the existing webpage interface by injecting offer data directly into the page. This merging eliminates the need for users to operate multiple websites or portals, reducing the number of operational steps and simplifying the user experience while ensuring offer information remains accessible.
Solution Approach 2:
The system provides self-service by automatically retrieving and displaying offer information related to the merchant on the user's current webpage. This automated process eliminates the need for users to manually navigate to separate portals or search for offers, thereby simplifying operations while maintaining full access to promotion information.
3Ease of operation
If users submit sensitive data on separate websites, then they can enroll in offers, but this reduces security
Solution Approach 1:
The patent merges the offer enrollment process with the secure environment of the original webpage. By injecting offer information and enabling enrollment directly on the page through which users initiated transactions, the system maintains the security context of the original site while preserving ease of enrollment, eliminating the need for users to submit sensitive data on separate, potentially less secure websites.
Data Source
AI summary
Systems and methods for automated transactional offers are disclosed. In one embodiment, a system can be configured to register a uniform resource locator (URL) of a merchant system as a verified merchant URL. An extension communication can be received from a browser extension executed on a client device. A captured merchant URL and a user account of a user can be determined based on the extension communication. A merchant ID is associated with the captured merchant URL is determined based on a comparison of the captured merchant URL and a plurality of verified merchant URLs. An available offer is retrieved based on the merchant ID. The available offer is displayed on the client device. An offer enrollment request from the browser extension of the client device is received. A user offer enrollment is transmitted to an issuer system.