System that activates monetization and applies a payment method
System that determines when a user is about to make a purchase, and that activates a monetization offer available for the purchase, such as a discount or cashback, and selects a payment method for completing the transaction. The system accesses a database of the user's payment methods, such as credit cards or funds transfer accounts. The database may contain any information needed for payment, such as account numbers, names, addresses, expiration dates, and verification codes. Some payment methods may be associated with additional benefits such as cashback offers or points. When an application reaches a screen associated with payment, the system automatically populates the application with payment information. Some payment methods may support one-time use account numbers, and the system may automatically retrieve and enter these numbers. A link to the selected monetization offer is inserted into the application so the offer is activated and applied after completing purchase.
1. A system that activates monetization and applies a payment method, comprising:
a merchant database comprising one or more listings, wherein each listing of said one or more listings comprises
one or more of a merchant, a name of a merchant, a name of a web site, a product, a service, a brand, a name of a product, a name of a service, a product number, a model number, a product category, an SKU, a person, an organization, a professional;
one or more shopping cart descriptors, wherein each shopping cart descriptor of said one or more shopping cart descriptors comprises one or more of a URL, a web page element, a page title, a header, a calculation, an input field, a control, a text element, an image element;
an offers database comprising one or more monetization offers, wherein
each monetization offer of said one or more monetization offers is associated with one or more of said one or more listings;
each monetization offer comprises one or more of a coupon, a cashback rate, a discount, a promotion, a savings, a reward, a bonus, a payment, a commission;
a payment methods database comprising
one or more payment methods that may be used by a user, wherein each payment method of said one or more payment methods comprises
one or more of a credit card, a debit card, a gift card, a digital wallet, a funds transfer service, a debt financing product, an installment payment service, a bank account; and,
user checkout information comprising one or more of a name, a user identifier, an address, a billing address, a shipping address, a phone number, an email address, a password, an expiration date, a security code; information on one more additional benefits available to the user when the user uses the one or more payment methods;
a computer that executes specific instructions to implement
a referral matcher coupled to
an application of a user computer used by said user via a user interface comprising user interface elements and a screen,
said merchant database, and
said offers database,
wherein said referral matcher is configured to
determine when said application is performing a shopping activity associated with a listing of said one or more listings from said one or more shopping cart descriptors;
compare said one or more monetization offers associated with said one or more of said one or more listings;
detect and select a monetization offer in said offers database that is associated with said listing to select the monetization offer for a checkout transaction associated with said shopping activity;
obtain feedback regarding a value of the monetization offer associated with said listing from the merchant via said user interface after the checkout transaction has been completed to confirm the value of the monetization offer and,
generate a referral link based on said monetization offer,
wherein said referral link contains a reference to said monetization offer and information that identifies said user who will be credited when the monetization offer is activated,
wherein said referral link is embedded into said user interface of said application as one or more parameters associated with payment information,
wherein said referral link is clickable and trackable,
wherein said referral link is presented by modifying or augmenting a message displayed on said user interface,
such that an image of the message is formatted to incorporate the referral link that is clickable and trackable,
wherein the image of the message is made clickable or interactive,
a payment assistant coupled to said application via said user interface comprising said user interface elements and to said payment methods database, wherein said payment assistant is configured to
analyze said user interface elements to detect payment related elements from said user interface elements, wherein said user interface elements provide multiple payment options from which the user is able to select, wherein said analyze said user interface elements to make a detection of payment related elements comprises applying at least one filter to obtain all text content from said user interface to
detect specific configurations, characteristics, attributes, fields or components of said user interface elements,
obtain specific descriptors, specific terms or images, of said user interface elements, or
recognize when the user is at or nearing said checkout transaction from a shopping cart descriptor of said one or more shopping cart descriptors that includes any or all of said URL of a web page;
analyze said payment methods database to make a selection of a specific payment method of said one or more payment methods to propose to the user or to apply automatically to the checkout transaction in the application;
compare the one or more additional benefits to select a benefit for the user within a context of the checkout transaction, wherein said compare comprises comparing the one or more additional benefits to a nonmonetary scale to select the benefit,
display said specific payment method, said monetization offer and said benefit that are selected on said screen of said user interface;
enter information into said application associated with said specific payment method of said one or more payment methods that is selected, wherein said information comprises said user checkout information associated with said specific payment method; and,
update said application to include said referral link when said application makes a payment associated with said listing; and,
a referral tracker configured to, when said application makes said payment associated with said listing,
receive a message that said monetization offer has been awarded;
record a transaction associated with said monetization offer associated with said referral link;
notify said user that said monetization offer has been received to an account of said user;
transmit a message to said user computer that is displayed on said screen of said user interface used by said user, wherein said message describes the monetization offer and the checkout transaction;
wherein said computer is configured to
in an event of a malfunction,
fix the malfunction automatically.
2. The system that activates monetization and applies a payment method of claim 1 , wherein said payment assistant is further configured to:
present said specific payment method to said user via said user interface;
prompt said user to confirm selection of said specific payment method; and,
when said user confirms selection of said specific payment method, enter said information into said application.
3. The system that activates monetization and applies a payment method of claim 1 , wherein said payment assistant is further configured to:
obtain a single use payment identifier linked to said specific payment method; and,
enter said single use payment identifier into said application.
4. The system that activates monetization and applies a payment method of claim 1 , wherein said referral link or said referral code comprises an identity of one or more of said user, said listing, a merchant, an intermediary.
5. The system that activates monetization and applies a payment method of claim 4 , wherein said referral tracker is further configured to inform one or more of said user, said listing, said merchant, and said intermediary of said transaction associated with said monetization offer.
6. The system that activates monetization and applies a payment method of claim 4 , wherein said referral tracker is further configured to inform one or more of said user, said listing, said merchant, and said intermediary when one or more of said coupon, said cashback rate, said discount, said promotion, said savings, said reward, said bonus, said payment, said commission has been activated.
7. The system that activates monetization and applies a payment method of claim 4 , wherein said referral tracker is further configured to inform one or more of said user, said listing, said merchant, and said intermediary when one or more of said coupon, said cashback rate, said discount, said promotion, said savings, said reward, said bonus, said payment, said commission has been earned.
8. The system that activates monetization and applies a payment method of claim 4 , wherein said referral tracker is further configured to share a portion of said monetization offer with one or more of said user, said listing, said merchant, and said intermediary.
9. The system that activates monetization and applies a payment method of claim 1 , wherein said computer is configured to test said one or more links continuously to ensure that URL formatting rules associated with said URL are functioning.