Dynamic Checkout Button Personalization and Transformation

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Solution Overview

Problem

Consumers face confusion when selecting payment accounts for online purchases, especially on small mobile device screens, and existing user interfaces do not provide an intuitive or memorable experience.

Innovation Solution

A computer system and method for generating dynamic checkout buttons that include dynamic images representing financial accounts, which are personalized based on user information and loyalty levels, and can transform into password input fields for secure transactions, enhancing user experience and clarity.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If traditional static checkout buttons are used, then the interface is simple and easy to implement, but users experience confusion when selecting payment accounts especially on mobile devices

Engineering Contradiction:
ImproveUser experience clarityVSAvoidCheckout button complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The checkout button transforms from a static element to a dynamic one that can change its appearance and content based on user interaction and context. The button evolves through multiple states: initial display with merchant information, transformation into a card selection interface showing multiple payment accounts, and final confirmation state. This dynamic behavior resolves the contradiction by providing rich information and clear account selection (improving ease of operation) while maintaining a single button element (minimizing device complexity).

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The checkout button serves multiple functions within a single interface element. It acts as: (1) a call-to-action button for initiating checkout, (2) an information display showing merchant and offer details, (3) a payment account selector displaying multiple cards and their features, and (4) a security interface for password entry. This multi-functionality resolves the contradiction by consolidating what would traditionally require multiple separate elements into one universal button, improving clarity while managing complexity.

Inventive Principle:
Principle #6Universality (Multi-functionality)

2Loss of information

If multiple payment accounts are displayed with detailed information, then user clarity is improved, but screen space is consumed especially on mobile devices

Engineering Contradiction:
ImprovePayment account information clarityVSAvoidScreen space usage
Core Design Contradiction:
Loss of informationVSArea of stationary object

Solution Approach 1:

The information display is segmented into hierarchical layers. The first layer shows essential merchant and offer information in a compact format. The second layer, activated on user interaction, displays multiple payment accounts with their key features (rewards, cash back, points). The third layer provides detailed account comparisons and selection options. This segmentation allows rich information presentation (improving information clarity) while maintaining compact initial display (preserving screen space) by only showing detailed information when needed.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The interface transitions from two-dimensional space-constrained display to utilizing temporal dimension through animated transformation. The button animates its expansion and reconfiguration to reveal additional account information, using time-based transitions to present detailed data without permanently occupying excessive screen real estate. This dimensional approach allows comprehensive information display (improving clarity) while maintaining space efficiency through controlled temporal expansion rather than permanent spatial occupation.

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

Data Source

PatentUS11568392B2Dynamic checkout button apparatuses, methods and systems
Publication Date: 2023.01.31 VISA INTERNATIONAL SERVICE ASSOCIATION
  • US11568392B2 patent drawing
  • US11568392B2 patent drawing
  • US11568392B2 patent drawing

AI summary

The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (DCB) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.