Optimized multiple digital wallet presentation
Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.
1. A system comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receiving, via a user interface presented on a user device associated with a user, a purchase request related to a purchase from a merchant associated with the user interface;
determining context data associated with the purchase based on sensor data obtained from one or more sensors of the user device;
accessing profile information associated with the user, wherein the profile information indicates a plurality of digital wallets usable by the user to complete an electronic transaction for the purchase via the user interface associated with the merchant;
performing an analysis of the context data and the plurality of digital wallets usable by the user;
based on the analysis, determining that a prioritized display of a first one of the plurality of digital wallets will result in a higher likelihood of successful completion of the electronic transaction than at least a second one of the plurality of digital wallets; and
transmitting instructions, to a merchant server computer system corresponding to the merchant, to cause a first graphical element associated with the first one of the plurality of digital wallets to be displayed on the user interface differently than a second graphical element associated with the second one of the plurality of digital wallets, wherein the first and second graphical elements are selectable by the user on the user device to complete the electronic transaction.
2. The system of claim 1 , wherein the performing the analysis of the context data comprises determining a device type of the user device, and wherein the operations further comprise removing one or more of the plurality of digital wallets from consideration for display on the user device based on the device type of the user device.
3. The system of claim 1 , wherein the context data comprises a merchant category designation associated with the merchant.
4. The system of claim 1 , wherein the operations further comprise:
receiving an electronic transaction request based on detecting a user interaction with the first graphical element on the user interface;
determining whether to approve or deny the electronic transaction request; and
transmitting information indicating whether the electronic transaction request is approved or denied to the user device.
5. The system of claim 1 , wherein the transmitting the instructions comprises transmitting HTML, code that, when executed by a web browser of the user device, causes a display of the first graphical element that is placed at least one of vertically above or horizontally to the left of the second graphical element.
6. A method, comprising:
receiving, by a first computer system via a web interface presented on a user device associated with a user, an indication of a selection of a particular interactive element of the web interface, wherein the particular interactive element corresponds to initiating an electronic transaction with an entity associated with the web interface;
determining, by the first computer system, context data associated with the selection of the particular interactive element based on sensor data obtained from one or more sensors of the user device, wherein the context data includes information regarding the entity associated with the web interface;
accessing, by the first computer system, profile information associated with the user, wherein the profile information indicates a plurality of digital wallets usable by the user to complete the electronic transaction via the web interface of the website;
performing, by the first computer system, an analysis of the context data and the plurality of digital wallets usable by the user;
based on the analysis, determining, by the first computer system, that a prioritized display of a first one of the plurality of digital wallets will result in a higher likelihood of successful completion of the electronic transaction than at least a second one of the plurality of digital wallets; and
transmitting instructions, by the first computer system to a server computer system corresponding to the web interface, to cause a first graphical element associated with the first one of the plurality of digital wallets to be displayed on the user device differently than a second graphical element associated with the second one of the plurality of digital wallets, wherein the first graphical element is selectable by the user on the user device to complete the electronic transaction using the first one of the plurality of digital wallets.
7. The method of claim 6 , further comprising:
determining a device identification fingerprint associated with the user device, wherein the device identification fingerprint is determined based on at least one hardware characteristic relating to a physical electronic component of the user device; and
determining an identity of the user based on the device identification fingerprint.
8. The method of claim 6 , further comprising removing one or more of the plurality of digital wallets from consideration for display on the user device based on a determination that at least one of a transaction amount or a transaction currency type for the electronic transaction is not supported by the one or more of the plurality of digital wallets.
9. The method of claim 6 , further comprising removing one or more of the plurality of digital wallet from consideration for display on the user device based on a determination that the one or more of the plurality of digital wallets not supporting a cryptocurrency transaction currency type.
10. The method of claim 6 , wherein the context data further comprises previous electronic transaction information associated with previous electronic transactions conducted by a plurality of users via the website.
11. The method of claim 6 , wherein the instructions further cause the user device to perform at least one of:
increasing a size of the first graphical element relative to a size of the second graphical element;
changing a color of at least a portion of the first graphical element;
positioning the first graphical element vertically above and/or horizontally to the left of the second graphical element on a web page; or
changing an appearance of text associated with the first graphical element.
12. The method of claim 6 , further comprising receiving the sensor data from the one or more sensors of the user device, and wherein the performing the analysis of the context data includes analyzing the sensor data.
13. The method of claim 12 , wherein the sensor data includes at least one of accelerometer data or gyroscope data.
14. The method of claim 12 , wherein the sensor data includes location data associated with the user device.
15. The method of claim 6 , wherein the first one of the plurality of digital wallets includes a first set of funding instruments corresponding to a first set of respective funding sources, and wherein the second one of the plurality of digital wallets includes a second set of funding instruments corresponding to a second set of respective funding sources.
16. The method of claim 6 , wherein the context data further includes at least one of a time of day or an atmospheric condition.
17. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
receiving, via a web interface presented on a user device associated with a user, an indication of a selection of a particular interactive element of the web interface, wherein the particular interactive element corresponds to initiating an electronic transaction with an entity associated with the web interface;
accessing context data associated with the selection of the particular interactive element based on sensor data obtained from one or more sensors of the user device, wherein the context data includes information regarding at least one of the entity or the electronic transaction;
accessing profile information associated with the user, wherein the profile information indicates a plurality of digital wallets usable by the user to complete the electronic transaction via the web interface;
performing an analysis of the context data and the plurality of digital wallets usable by the user;
based on the analysis, determining that a prioritized display, on the web interface, of at least a first one of the plurality of digital wallets will result in a higher likelihood of successful completion of the electronic transaction than at least a second one of the plurality of digital wallets; and
transmitting instructions to a server computer system corresponding to the web interface, to cause a first graphical element associated with the first one of the plurality of digital wallets to be displayed on the user device differently than a second graphical element associated with the second one of the plurality of digital wallets, wherein the first graphical element is selectable by the user on the user device to complete the electronic transaction using the first one of the plurality of digital wallets.
18. The non-transitory machine-readable medium of claim 17 , wherein the accessing the context data comprises retrieving user-specific information from a database based on an identity of the user.
19. The non-transitory machine-readable medium of claim 17 , wherein the context data further includes a parameter indicating a manner in which the user interacts with the website.
20. The non-transitory machine-readable medium of claim 19 , wherein the parameter indicates a speed at which the user interacts with elements of the website.