Tailored display of payment options

Abstract

A system according to an embodiment comprises one or more processors; and one or more memories in communication with the one or more processors and adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the system to: offer, by a merchant at a Point of Sale (POS), at least one payment option in connection with a transaction for at least one item, wherein the payment option(s) is presented in a display tailored to a specific user based on information maintained by the merchant about the specific user; and process the transaction using a payment option selected by the user.

What is claimed is: 
     
         1 . A system comprising:
 one or more processors; and   one or more memories in communication with the one or more processors and adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the system to:   offer, by a merchant at a Point of Sale (POS), at least one payment option in connection with a transaction for at least one item, wherein the payment option(s) is presented in a display tailored to a specific user based on information maintained by the merchant about the specific user; and   process the transaction using a payment option selected by the user.   
     
     
         2 . The system of  claim 1 , wherein the information maintained by the merchant about the specific user further comprises past payment behavior and/or preferences of the specific user. 
     
     
         3 . The system of  claim 2 , wherein the past payment behavior and/or preferences of the specific user further comprise information known to the merchant about specific payment options that are most and/or least preferred by the specific user. 
     
     
         4 . The system of  claim 2 , wherein the past payment behavior and/or preferences of the specific user further comprise frequency of shopping by the specific user at the merchant's POS and/or specific user shopping habits. 
     
     
         5 . The system of  claim 1 , wherein the information maintained by the merchant about the specific user is known only to the merchant. 
     
     
         6 . The system of  claim 1 , wherein the information maintained by the merchant about the specific user further comprises publicly shared information. 
     
     
         7 . The system of  claim 1  wherein the payment option(s) presented in the tailored display further comprise a favorite payment option of the user that is more prominently displayed than other less favorite payment options of the user. 
     
     
         8 . The system of  claim 7 , wherein one or more payment options that are less preferred by the user are hidden behind a link. 
     
     
         9 . The system of  claim 1 , wherein the payment option(s) are offered to the specific user listing a specific payment option that is most preferred by the specific user at a top of a list of payment options. 
     
     
         10 . The system of  claim 1 , wherein the payment option(s) offered to the specific user further comprise only one payment option that is most preferred by the specific user. 
     
     
         11 . The system of  claim 1 , wherein the plurality of instructions are further adapted to cause the system to, during a checkout flow of an online transaction, use the information known to the merchant about the specific user to customize a merchant page to present or display the payment option(s) offered to the specific user. 
     
     
         12 . The system of  claim 1 , wherein the payment option(s) offered by the merchant further comprise at least one of a payment service provider, a transaction card, a gift card, cash, and one or more special offers. 
     
     
         13 . The system of  claim 1 , wherein the plurality of instructions are further adapted to cause the system to offer the payment option(s) via a client device of the user, wherein the client device includes a downloaded payment application from the merchant or from a remote server. 
     
     
         14 . A method comprising:
 offering, by a merchant at a Point of Sale (POS) device, at least one payment option in connection with a transaction for at least one item, wherein the payment option(s) is presented in a display tailored to a specific user based on information known or maintained by the merchant about the specific user; and   processing the transaction using a payment option selected by the user.   
     
     
         15 . The method of  claim 14 , wherein the information known to the merchant about the specific user further comprises past payment behavior and/or preferences of the specific user. 
     
     
         16 . The method of  claim 15 , wherein the past payment behavior and/or preferences of the specific user further comprise information known to the merchant about specific payment options that are most preferred and/or least preferred by the specific user. 
     
     
         17 . The method of  claim 14 , wherein the offering the payment option(s) further comprises presenting, in the tailored display, a favorite payment option of the user that is more prominently displayed than other less favorite payment options of the user. 
     
     
         18 . The method of  claim 14 , wherein the offering the payment option(s) further comprises presenting, in the tailored display, only one payment option that is most preferred by the specific user. 
     
     
         19 . The method of  claim 14 , further comprising, during a checkout flow of an online transaction, using the information known to the merchant about the specific user to customize a merchant page to present or display the payment option(s) offered to the specific user. 
     
     
         20 . A non-transitory computer readable medium on which are stored computer readable instructions and, when executed by a processor, cause the processor to:
 offer, by a merchant at a Point of Sale (POS), at least one payment option in connection with a transaction for at least one item, wherein the payment option(s) is presented in a display tailored to a specific user based on information maintained by the merchant about the specific user; and   process the transaction using a payment option selected by the user.