Granted Patent B2

US 12,530,714 · App. 18/522,219 · Granted Jan 20, 2026

Inventors: Venkatesh J. Ramesh (Madurai, IN); Rajkumar Baskaran (Vellore, IN)

Assignee: PAYPAL, INC.

G06Q30/0641G06Q20/322G06Q20/3223G06Q30/0201H04W4/021H04W4/029

Abstract

Claims (58)

1 . A system comprising:

a non-transitory memory; and

one or more hardware processor coupled to the non-transitory memory and configured to execute instructions to cause the system to:

determine an offer targeted for a user based on a current context in which the user is engaged;

cause a user device of the user to display a notification of the offer associated with the current context in which the user is engaged, wherein the notification is associated with an application on the user device that facilitates an electronic processing of a purchase associated with the offer;

in response to detecting a selection made via a first user interface element associated with the notification, automatically load an application interface of the application with offer data for the offer without requiring a user input of the offer data;

automatically select a payment instrument of the user based on a payment account of the user;

dynamically render a second user interface element in the application interface, that, upon a selection via the second user interface element, causes an initiation of the electronic processing of the purchase associated with the offer using the automatically selected payment instrument; and

automatically input, without requiring the user input, data for the purchase associated with the offer based on the selection made via the second user interface element in the application interface.

2 . The system of claim 1 , wherein the current context is associated with at least one of a current activity that the user is engaged in, a biometric of the user, or a location of the user, and wherein the offer is further associated with a past activity of the user that corresponds with the current context.

3 . The system of claim 1 , wherein the notification includes information associated with a previous activity of the user that corresponds to the offer, and wherein executing the instructions further causes the system to:

in response to the selection made via the second user interface element, initiate an application process for the electronic processing of the purchase, wherein the second user interface element is associated with at least one of a purchase price for the purchase or a payment instrument of the user.

4 . The system of claim 1 , wherein, prior to determining the offer, executing the instructions further causes the system to:

determine transaction data of the user;

identify a plurality of previous activities performed by the user at one or more locations over a period of time and contextual data for the plurality of previous activities at the one or more locations from the transaction data; and

determine user data of the user based at least on the plurality of previous activities and the contextual data, wherein determining the offer is further based on the user data.

5 . The system of claim 4 , wherein determining the user data further comprises:

scoring each of the plurality of previous activities based on a corresponding one of the one or more locations and the contextual data; and

determining whether each of the scored plurality of previous activities is repeated based on the user data.

6 . The system of claim 1 , wherein, prior to determining the offer, executing the instructions further causes the system to:

scrape social networking data of the user from a social networking service;

identify a plurality of previous activities performed by the user at one or more locations over a period of time and contextual data for the plurality of previous activities at the one or more locations from the social networking data; and

determine user data of the user based at least on the plurality of previous activities and the contextual data, wherein determining the offer is further based on the user data.

7 . The system of claim 1 , wherein the data for the purchase is determined from a merchant device of a merchant extending the offer and includes at least item data and a payment amount from the merchant.

8 . The system of claim 1 , wherein determining the offer is further based on at least one of a past purchase associated with the user at a visited location by the user, a digital content viewed by the user, or a digital shopping list associated with the user, and wherein the current context is associated with a merchant within a distance to a current location of the user and a current activity engaged in by the user at the current location.

9 . A method comprising:

identifying that a user is within a distance to a merchant at a current time;

targeting an offer to the user based on the merchant and contextual information for an activity that the user is engaged in at the current time;

causing a user device of the user to display a notification of the offer, wherein the notification is associated with an application on the user device that facilitates an electronic processing of a purchase associated with the offer;

in response to detecting a selection of a first user interface element associated with the notification, automatically loading an application interface of the application with offer data for the offer without requiring a user input of the offer data;

automatically selecting a payment instrument of the user based on a payment account of the user;

dynamically rendering a second user interface element that causes, upon a selection via the second user interface element, an initiation of the electronic processing of the purchase associated with the offer with the merchant using the automatically selected payment instrument; and

automatically inputting, without requiring the user input, data for the purchase associated with the offer based on the selection made via the second user interface element in the application interface.

10 . The method of claim 9 , wherein the contextual information is associated with at least one of a biometric of the user, a schedule of the user, or a location of the user, and wherein the offer is further associated with a past activity of the user that corresponds with the contextual information.

11 . The method of claim 9 , wherein the notification includes information associated with a previous activity of the user that corresponds to the offer, and wherein the second user interface element is associated with at least one of a purchase price for the purchase or a payment instrument of the user.

12 . The method of claim 9 , wherein, prior to the identifying, the method further comprises:

determining transaction data of the user;

identifying a plurality of previous activities performed by the user at one or more locations over a period of time and contextual data for the plurality of previous activities at the one or more locations from the transaction data; and

determining user data of the user based at least on the plurality of previous activities and the contextual data, wherein the targeting the offer is further based on the user data.

13 . The method of claim 12 , wherein the determining the user data further comprises:

scoring each of the plurality of previous activities based on a corresponding one of the one or more locations and the contextual data; and

determining whether each of the scored plurality of previous activities is repeated based on the user data.

14 . The method of claim 9 , wherein, prior to the identifying, the method further comprises:

scraping social networking data of the user from a social networking service;

identifying a plurality of previous activities performed by the user at one or more locations over a period of time and contextual data for the plurality of previous activities at the one or more locations from the social networking data; and

determining user data of the user based at least on the plurality of previous activities and the contextual data, wherein the targeting the offer is further based on the user data.

15 . The method of claim 9 , wherein the data for the purchase is determined from a merchant device of the merchant and includes at least item data and a payment amount from the merchant.

16 . The method of claim 9 , wherein the targeting the offer is further based on at least one of a past purchase associated with the user at a visited location by the user, a digital content viewed by the user, or a digital shopping list associated with the user, and wherein the contextual information is associated with at least one of a biometric of the user or one or more user locations of the user during the activity.

17 . A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

identifying a merchant currently within a distance to a user while the user is engaged in a current activity;

determining at least one previous transaction of the user that is associated with an item offered by the merchant;

determining an offer targeted for the user based on the at least one previous transaction and the current activity;

causing a user device of the user to display a notification of the offer, wherein the notification is associated with an application on the user device that facilitates an electronic processing of a purchase associated with the offer;

in response to detecting a selection of a first user interface element associated with the notification, automatically loading an application interface of the application with offer data for the offer without requiring a user input of the offer data;

automatically selecting a payment instrument of the user based on a payment account of the user;

dynamically rendering a second user interface element that, upon a selection via the second user interface element, causes an initiation of the electronic processing of the purchase associated with the offer with the merchant using the automatically selected payment instrument; and

automatically inputting, without requiring the user input, data for the purchase associated with the offer based on the selection made via the second user interface element in the application interface.

18 . The non-transitory machine-readable medium of claim 17 , wherein the determining the offer is further based on contextual information associated with the current activity, and wherein the contextual information comprises at least one of a biometric of the user or a location of the user.

Assignments (1)

Continuity (3)

References Cited (63)