Loyalty Point Indicator for Purchase Price Offset

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Solution Overview

Problem

Online shopping users are often unaware of available mechanisms to offset purchase prices, such as using loyalty points, which are not effectively communicated during the checkout process.

Innovation Solution

A server system that monitors active webpages and displays an indicator to users when they are shopping on eligible websites, allowing them to apply loyalty points to offset purchase prices by determining conversion rates and crediting value accounts accordingly.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of time

If users are provided with discount code options during checkout, then users can reduce purchase prices, but users are required to load their virtual shopping cart before determining the reduced purchase price

Engineering Contradiction:
Improvetime to determine reduced purchase priceVSAvoidease of applying discount
Core Design Contradiction:
Loss of timeVSEase of operation

Solution Approach 1:

The system pre-calculates and stores potential discount amounts and loyalty point values before the user reaches the checkout page. When the user views the product page or cart, the system has already determined applicable discounts and loyalty point conversions in advance, eliminating the need to wait until checkout to see potential savings.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system introduces an intermediary indicator element that appears on product pages and cart pages, serving as a bridge between the user and the checkout process. This indicator displays pre-calculated discount information and loyalty point values, allowing users to see potential savings before committing to the checkout flow.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Loss of information

If loyalty points redemption options are not communicated during checkout, then the checkout process remains simple, but users are unaware of available mechanisms to offset purchase prices

Engineering Contradiction:
Improveuser awareness of loyalty pointsVSAvoidcomplexity of information display
Core Design Contradiction:
Loss of informationVSDevice complexity

Solution Approach 1:

The system applies local quality by displaying loyalty point information selectively at specific locations in the user interface - specifically on product detail pages and cart pages where purchasing decisions are made. The indicator shows loyalty point values and potential offsets at these local points rather than overwhelming the user with information throughout the entire checkout process.

Inventive Principle:
Principle #3Local quality

Solution Approach 2:

The system uses visual indicators with distinct colors to convey loyalty point information. The indicator element changes color or displays colored badges to attract user attention to available loyalty point redemptions, making the information salient without requiring complex text explanations or additional interface elements.

Inventive Principle:
Principle #32Color changes

3Loss of information

If an indicator is displayed to show loyalty point redemption options before checkout, then user awareness is enhanced, but the system must monitor active webpages and determine eligibility criteria

Engineering Contradiction:
Improveuser awareness of discount optionsVSAvoidautomation of monitoring and determination
Core Design Contradiction:
Loss of informationVSExtent of automation

Solution Approach 1:

The system implements self-service by having the indicator automatically monitor the user's shopping cart contents and automatically calculate applicable loyalty point values and discount amounts. The system queries product databases and loyalty point systems autonomously to determine eligibility and display appropriate information without requiring manual user input or complex server-side processing at checkout.

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS11869031B2System and method for providing an indicator to offset a purchase price
Publication Date: 2024.01.09 THE TORONTO DOMINION BANK
  • US11869031B2 patent drawing
  • US11869031B2 patent drawing
  • US11869031B2 patent drawing

AI summary

A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to monitor an active webpage associated with a web browser executing on a computing device; determine that the active webpage associated with the web browser meets predetermined criteria, the predetermined criteria including determining that the active webpage is found in a whitelist; and in response to determining that the active webpage meets the predetermined criteria, send, via the communications module and to the computing device, a signal causing the computing device to display an indicator indicating an option to apply loyalty points to offset a purchase price.