Language Model Option Selection for Simpler Payment Interfaces

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Solution Overview

Problem

Web services compliant with standards such as W3C are limited to features supported by these standards, failing to provide personalized transaction instrument selections based on user preferences and terms, leading to inefficiencies and potential fraudulent transactions.

Innovation Solution

A client-side language model-based option selection framework that leverages locally stored transaction data and histories to suggest optimal transaction instruments, overriding standard-compliant handlers by using a stateless provider service and enterprise-hosted instructions to enhance user interface efficiency and security.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If a standards-compliant transaction handler provides all registered transaction instruments to users, then users have access to complete transaction options, but the user interface becomes complex and difficult to navigate

Engineering Contradiction:

Improvetransaction instrument optionsVSAvoiduser interface complexity

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent introduces an option selection agent as an intermediary component that sits between the transaction handler and the user interface. This agent receives the complete set of transaction instruments from the standards-compliant handler, processes them through a language model to identify relevant options, and presents only the filtered results to the user. The intermediary thus preserves the completeness of the underlying data while simplifying the user-facing interface.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent segments the transaction instrument selection process into distinct functional components: the standards-compliant transaction handler that maintains the complete registry, the option selection agent that performs intelligent filtering, and the simplified user interface that displays only relevant options. This segmentation allows each component to specialize in its function, maintaining data completeness while improving usability.

Inventive Principle:

Principle #1Segmentation

2Loss of information

If a standards-compliant transaction handler displays all available transaction instruments, then users can make informed decisions, but manual selection effort and time increase

Engineering Contradiction:

Improvetransaction instrument informationVSAvoidmanual selection time

Core Design Contradiction:

Loss of informationVSLoss of time

Solution Approach 1:

The option selection agent performs preliminary filtering and analysis of transaction instruments before they are presented to the user. By pre-processing the complete set of instruments through language model analysis, the system identifies and prioritizes relevant options in advance, so that users receive a pre-curated list rather than having to manually evaluate all available instruments.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system incorporates feedback mechanisms where the option selection agent learns from user interactions and transaction outcomes. The language model analyzes user behavior patterns and transaction results to continuously improve its filtering accuracy, providing increasingly precise recommendations that reduce manual selection effort while maintaining information quality.

Inventive Principle:

Principle #23Feedback

3Adaptability or versatility

If all transaction instruments are provided without filtering, then complete transaction options are available, but susceptibility to fraudulent transactions increases

Engineering Contradiction:

Improvetransaction instrument availabilityVSAvoidtransaction security

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The option selection agent serves as a security intermediary that filters transaction instruments before they reach the user interface. The language model analyzes each instrument's characteristics, terms, and potential risks, blocking or flagging suspicious instruments while allowing legitimate ones through. This intermediary layer thus protects users from fraudulent instruments while preserving access to valid transaction options.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system converts the potentially harmful aspect of providing unrestricted access to all transaction instruments into a benefit by using the same comprehensive data set as training material for the language model. The model learns to identify fraudulent patterns from the complete instrument registry, transforming the risk of exposure to fraudulent instruments into an opportunity for improved detection and prevention.

Inventive Principle:

Principle #22Blessing in disguise (Convert harm into benefit)

Data Source

PatentUS20260073375A1Language model based option selection framework

Publication Date: 2026.03.12 AMERICAN EXPRESS TRAVEL RELATED SERVICES CO INC

AI summary

Disclosed are various approaches for language model based options selections. In one example, a service can generate a user interface that identifies user interactions received from a client device to register transaction instruments. Transaction facilitation websites can be scraped to identify transaction instrument terms for the registered transaction instruments. An option selection language model can be generated and trained to select a subset of the registered transaction instruments. The option selection language model, the transaction instrument data, and the transaction instrument terms can be transmitted to the client device.