Dynamic Checkout Promotion Rendering via Payment Application
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Solution Overview
Problem
Fintech companies face limitations in enhancing the checkout experience for merchants beyond basic payment processing, lacking innovative ways to provide personalized or promotional checkout options based on merchant criteria.
Innovation Solution
A system and method that detects merchant criteria, such as social group affiliations, to render promotional payment buttons on checkout pages, allowing for dynamic promotions and personalized checkout recommendations based on user interactions and merchant-specific conditions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If fintech companies provide only basic payment processing to merchants, then the system is simple and easy to operate, but the checkout experience lacks personalization and promotional capabilities
Solution Approach 1:
The patent introduces a payment application as an intermediary layer between the merchant and the customer. This application sits on top of basic payment processing infrastructure and adds promotional and personalization capabilities without requiring changes to the underlying payment system. The payment application mediates between the merchant's checkout page and the customer's payment action, enabling dynamic promotion delivery while maintaining system simplicity.
Solution Approach 2:
The payment application serves multiple functions: it processes basic payments, delivers personalized promotions, displays promotional payment buttons, and provides checkout recommendations. By making the payment system multi-functional, it simultaneously achieves adaptability for personalized checkout experiences while relying on existing infrastructure to maintain operational simplicity.
2Productivity
If the system renders promotional payment buttons based on real-time merchant criteria analysis, then user engagement increases, but the processing time and computational resources increase
Solution Approach 1:
The system performs preliminary actions by pre-establishing merchant criteria and promotional rules before the checkout process begins. Merchants can define their promotional conditions and parameters in advance, allowing the payment application to quickly evaluate whether a customer qualifies for promotions without requiring complex real-time analysis during the critical checkout moment.
Solution Approach 2:
The payment application autonomously evaluates merchant criteria and determines promotion eligibility without requiring manual intervention. The system automatically renders or hides promotional payment buttons based on real-time assessment of merchant-defined conditions, eliminating the need for human review while maintaining fast processing speeds.
3Loss of information
If the system provides detailed merchant criteria analysis and personalized recommendations, then the checkout experience becomes more personalized, but the information processing complexity increases
Solution Approach 1:
The patent applies local quality by tailoring the checkout experience to individual customers based on their specific characteristics and the merchant's criteria. Rather than applying uniform processing to all customers, the system selectively renders promotional payment buttons and provides personalized recommendations only where relevant, optimizing information utilization while managing processing complexity through targeted analysis.
Data Source
AI summary
A computer system detects that a first user has selected an element corresponding to accessing a particular web page (e.g. such as a checkout). Based on detecting that the first user has selected an element corresponding to accessing the web page, the computer system may determine if one or more particular criteria associated with the web page have been met. Based on determining that the one or more criteria associated with the web page have been met, the computer system causes a particular web page element (e.g. a promotional payment button) to be rendered on the web page to display on a device of the first user.