E-commerce Payment Interface Customization via Purchase Pattern Monitoring

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Solution Overview

Problem

E-commerce transactions are hindered by the need for customers to scan through numerous payment categories and options, leading to an inconvenient and time-consuming experience, with concerns over the security of saved confidential information across multiple interfaces.

Innovation Solution

A bot implemented on a processor monitors a user's purchase pattern to customize the payment interface, displaying only relevant payment options based on frequency of use, eliminating the need to save confidential information and simplifying the payment process.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If the payment interface displays all available payment categories and options, then the customer has access to complete payment options, but the customer has to scan through the entire list which is time-consuming and inconvenient

Engineering Contradiction:

Improvepayment options availabilityVSAvoidtime to select payment option

Core Design Contradiction:

Adaptability or versatilityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by monitoring and analyzing the customer's purchase pattern in advance. The bot collects data on frequently used payment options across multiple e-commerce interfaces and pre-processes this information to generate a customized payment interface that automatically displays only the relevant payment options, eliminating the need for the customer to manually scan through all available options.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The payment interface is customized to have different content for different customers based on their individual purchase patterns. Instead of a uniform interface showing all payment options for everyone, each customer receives a personalized view displaying only their frequently used payment categories and options, making the interface locally optimized for each user's needs.

Inventive Principle:

Principle #3Local quality

2Productivity

If the customer saves confidential information at the payment interface for certain payment categories, then the payment process can be faster, but the saved information may not be secure and the customer has to save information at every payment interface

Engineering Contradiction:

Improvepayment processing speedVSAvoidinformation security

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The system extracts the confidential information saving function from individual e-commerce payment interfaces and consolidates it into a centralized bot system. The bot monitors purchase patterns across multiple interfaces and manages the storage of payment information in a secure, centralized location, eliminating the need for customers to save sensitive data at each separate payment interface while maintaining fast payment processing.

Inventive Principle:

Principle #2Taking out (Extraction)

3Ease of operation

If the customer saves confidential information at every payment interface, then the payment can be performed without re-entering details, but it requires a lot of time and degrades shopping experience

Engineering Contradiction:

Improvepayment convenienceVSAvoidtime to save information at each interface

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

The bot system provides a universal payment information management service that works across multiple e-commerce interfaces. Instead of requiring customers to save payment information separately at each interface, the bot creates a single set of saved payment options that can be automatically applied across different platforms, making the system universally applicable and eliminating redundant information entry.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS11410223B2Method and system for facilitating e-commerce transactions

Publication Date: 2022.08.09 MASTERCARD INT INC

AI summary

A method for facilitating e-commerce transactions includes monitoring a purchase pattern of a user on various e-commerce interfaces for a first time-interval by a bot. The purchase pattern indicates frequency-of-use information of various payment options used by the user to make purchases within the first time-interval. The bot receives a user-profile of the user, when the user makes a first purchase through a first e-commerce interface after the first time-interval. Based on the user-profile and the purchase pattern, the bot retrieves a first set of payment options from the payment options. The bot customizes a payment interface to display the first set of payment options from an available set of payment options on the payment interface. The user selects one of the first set of payment options to perform an e-commerce transaction for the first purchase.