Browser App Loyalty Currency Payment System
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Solution Overview
Problem
Loyalty systems face challenges in customer redemption value due to limited product options on commercial organization websites and require complex integration with merchant sites, leading to decreased customer loyalty and increased financial liability for organizations.
Innovation Solution
A browser app system that enables users to pay with loyalty currency across any merchant website without requiring integration between the commercial organization and merchant, using a loyalty currency client, tracking module, presentation module, currency converter module, and transaction report module to facilitate redemption.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If loyalty points redemption is limited to the commercial organization's online store, then the commercial organization maintains control over the redemption process, but the customer perceived value and loyalty deteriorate due to limited product options
Solution Approach 1:
The patent enables loyalty points to be redeemed across multiple merchant websites beyond the commercial organization's own online store. The system allows customers to use accumulated loyalty points at any participating merchant, transforming the redemption system from a single-purpose platform to a multi-functional ecosystem that serves both the commercial organization and its partner merchants.
Solution Approach 2:
The patent introduces a browser extension as an intermediary component that mediates between the customer's browser, the commercial organization's loyalty system, and various merchant websites. This intermediary automatically detects when a customer is on a participating merchant site and facilitates the redemption process without requiring direct integration between the commercial organization and each merchant, thus resolving the contradiction by enabling versatility while maintaining system control.
2Ease of operation
If the commercial organization provides an online store for loyalty points redemption, then customers can redeem points, but the device complexity and maintenance burden increase
Solution Approach 1:
The patent extracts the redemption functionality from the commercial organization's own online store and relocates it to the merchant websites where customers naturally shop. Instead of requiring customers to visit a dedicated redemption store, the system embeds redemption capabilities directly within the merchant platforms, eliminating the need for the commercial organization to maintain a separate redemption infrastructure.
Solution Approach 2:
The browser extension implements self-service functionality by automatically detecting when a customer is on a participating merchant site and presenting redemption options without requiring the customer to manually navigate to a redemption store or configure complex settings. The system autonomously manages the redemption process, reducing operational complexity while maintaining ease of use.
3Adaptability or versatility
If a merchant website collaborates with a specific commercial organization for loyalty points, then customers can pay with points at that merchant, but the integration complexity increases and limits usage to a small set of merchants
Solution Approach 1:
The browser extension serves as an intermediary layer that eliminates the need for direct integration between the commercial organization and each merchant website. The extension communicates with the commercial organization's loyalty system and automatically interacts with various merchant sites, enabling loyalty points redemption across multiple merchants without requiring complex point-to-point integrations for each partnership.
Solution Approach 2:
The system creates a universal redemption mechanism that works across multiple merchant websites through a common interface. Instead of requiring each merchant to implement custom integration logic, the browser extension provides a universal solution that can interact with any participating merchant site, thereby increasing adaptability while reducing integration complexity.
Data Source
AI summary
Methods and systems for paying with loyalty currency at a merchant website by a user using a browser app are provided. The user is presented with the loyalty currency balance information based on the loyalty currency units available in the loyalty currency account. Thereafter, the user is presented with an option to pay for the purchase transaction using the loyalty currency. The user may select the option of paying for the purchase transaction using the loyalty currency, thereby redeeming the loyalty points.