Mobile Checkout Smart Button for Multi-Wallet Payment Selection
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Solution Overview
Problem
Current payment systems restrict users to viewing and selecting payment options from only one digital wallet at a time, even if multiple wallets are installed on their mobile device, limiting convenience and flexibility during transactions.
Innovation Solution
A mobile-based payment system that allows users to access and select payment options from multiple digital wallets within a single view on their mobile device, using a smart button to expose all available wallets and cards, enabling secure transactions through a central trusted entity and secure container-based presentation.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If users access payment options from multiple digital wallets, then payment flexibility and convenience are improved, but system complexity increases
Solution Approach 1:
The patent combines multiple digital wallet interfaces into a single unified payment selection screen. Instead of requiring users to switch between separate wallet applications, the system merges all payment options from different wallets into one consolidated view, allowing users to select from all their payment cards across multiple wallets in a single interface.
Solution Approach 2:
The payment selection interface is designed to serve multiple functions simultaneously: it displays payment options from multiple different digital wallets, presents incentive information from various cards, allows selection of different payment methods, and provides a unified selection mechanism. This multi-functional design eliminates the need for separate interfaces for each wallet.
2Ease of operation
If all payment options from multiple wallets are displayed simultaneously, then user convenience is improved, but information processing complexity increases
Solution Approach 1:
The payment options are segmented into distinct visual cards or tiles, each representing a different payment card from potentially different wallets. Each segment contains specific information about that payment option (card details, incentives, etc.), making it easy for users to scan and compare options without being overwhelmed by a monolithic display.
Solution Approach 2:
The system uses visual indicators such as color coding to differentiate between payment options from different wallets or to highlight cards with active incentives. Color changes or visual cues help users quickly identify and compare payment options without processing all text information, reducing the cognitive load.
Data Source
AI summary
Provided are a system and method for a mobile payment. In one example, the method may include determining an amount of digital wallets installed on a mobile device, and in response to determining that a plurality of digital wallets are installed on the mobile device, displaying a smart button on a merchant checkout page. When the smart button is selected by a user of the mobile device, the method may further include displaying a payment option selection screen that enables the user of the mobile device to select a payment card from any digital wallet from among the plurality of digital wallets as a method of payment for the transaction