Abstract
Digital payment applications enable users to pay merchants via their smartphone or another device, e.g., by scanning a merchant quick response (QR) code displayed at the merchant location. However, such payment apps do not personalize the user experience or help users save money by availing relevant offers. This disclosure describes techniques that, with user permission, enhance the peer-to-merchant digital payment experience by utilizing contextual information including merchant identification and the user’s available payment methods, vouchers, coupons, etc. to automatically suggest a suitable payment method or coupon/voucher and/or to identify available offers as applicable to a transaction. The described techniques provide a seamless, intuitive, and optimized payment process during offline transactions at merchant locations performed via a digital payment app.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
Prasad, Ajay, "Payment Method Recommendations for In-Store Transactions", Technical Disclosure Commons, (January 07, 2025)
https://www.tdcommons.org/dpubs_series/7703