Method and system for communicating location of a mobile device for hands-free payment

• US 10,026,073 B2
• Filed: 09/09/2014
• Issued: 07/17/2018
• Est. Priority Date: 12/18/2006
• Status: Active Grant

• Current Assignee: Stripe, Inc.
• Original Assignee: Cria Inc.
• Inventors: Moshfeghi, Mehran
• Primary Examiner(s): Frenel, Vanel
• Application Number:
  US14/481,346
• Publication Number:
  US 20150058125A1
• Time in Patent Office: 1,407 Days
• Field of Search: 705 16, 705 21, 705 17, 705 39, 705 41, 705 67, 705 44, 705 1458, 707825, 4554563, 4554042, 709227
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences

Abstract

Certain aspects of a method and system for communicating location of a mobile device for hands-free payment may include a peer-to-peer ad-hoc network that comprises a plurality of mobile devices, a plurality of access points, and a plurality of point of sale (POS) devices. A first mobile device may determine its location coordinates and communicate them to a selected POS device via the peer to peer ad-hoc network. At least one of the plurality of mobile devices and/or the plurality of access points may be within a defined proximity of the selected POS device. In some instances, the first POS device may receive via one or more intermediate mobile devices in the peer-to-peer ad-hoc network, location coordinates and payment transaction information of a selected mobile device. At least one of the intermediate mobile devices may be within a defined proximity of the first POS device.

Claims

1. A method for performing point of sale transactions between a mobile device and a point of sale device, the method comprising:

accepting a payment transaction order from the mobile device to initiate a point of sale transaction between the mobile device and the point of sale device after determining that the mobile device is within in a first geo-fence around the point of sale device; and

executing the payment transaction order received from the mobile device to complete the point of sale transaction between the mobile device and the point of sale device after determining that the mobile device is within a second geo-fence around the point of sale device, wherein the second geo-fence is within the first geo-fence.

2. The method of claim 1 further comprising receiving an authorization to execute the payment transaction at the point of sale device from the mobile device when the mobile device is within the second geo-fence around the point of sale device.

3. The method of claim 1, wherein determining that the mobile device is within a geo-fence comprises determining whether the mobile device is within a defined proximity of the point of sale device.

4. The method of claim 1 further comprising sending an authorization response for the executed payment transaction from the point of sale device to the mobile device.

5. The method of claim 1 further comprising sending at least one of advertisement information, referral reward information, and discounted deal information from the point of sale device to the mobile device.

6. The method of claim 1, wherein determining that the mobile device is within one of said first and second geo-fences comprises determining location coordinates of the mobile.

7. The method of claim 1 further comprising receiving a speed of movement and a direction of movement of the mobile device at the point of sale device.

8. The method of claim 1 further comprising generating a map at the point of sale device indicating a location of the mobile device.

9. The method of claim 1, wherein executing the payment transaction order comprises authenticating said payment transaction order based on at least of a voice recognition, a gesture, a computer face recognition, and a biometric recognition.

10. A point of sale device for performing point of sale transactions, the point of sale device comprising:

a set of circuits comprising a processor; and

a non-transitory computer readable medium storing a program that is executable by said processor, the program comprising sets of instructions for;

accepting a payment transaction order from the mobile device to initiate a point of sale transaction between the mobile device and the point of sale device after determining that the mobile device is within in a first geo-fence around the point of sale device; and

executing the payment transaction order received from the mobile device to complete the point of sale transaction between the mobile device and the point of sale device after determining that the mobile device is within a second geo-fence around the point of sale device, wherein the second geo-fence is within the first geo-fence.

11. The point of sale device of claim 10, wherein the program further comprises a set of instructions for receiving an authorization to execute the payment transaction from the mobile device when the mobile device is within the second geo-fence around of the point of sale device.

12. The point of sale device of claim 10, wherein determining that the mobile device is within a geo-fence comprises determining whether the mobile device is within a defined proximity of the point of sale device.

13. The point of sale device of claim 10, wherein the program further comprises a set of instructions for sending an authorization response for the executed payment transaction to the mobile device.

14. The point of sale device of claim 10, wherein the program further comprises a set of instructions for sending at least one of advertisement information, referral reward information, and discounted deal information to the mobile device.

15. The point of sale device of claim 10, wherein determining that the mobile device is within one of said first and second geo-fences comprises determining location coordinates of the mobile device.

16. The point of sale device of claim 10, wherein the program further comprises a set of instructions for receiving a speed of movement and a direction of movement of the mobile device.

17. The point of sale device of claim 10, wherein the program further comprises a set of instructions for generating a map indicating a location of the mobile device.

18. The point of sale device of claim 10, wherein the set of instructions for executing the payment transaction order comprises a set of instructions for authenticating said payment transaction order based on at least one of a voice recognition, a gesture, a computer face recognition and a biometric recognition.

19. A method for performing point of sale transactions in a peer-to-peer network comprising a plurality of mobile devices and a point of sale device, the method comprising:

accepting a payment transaction order from a first mobile device of said plurality of mobile devices of the peer to peer network via a second mobile device of said plurality of mobile devices of the peer to peer network to initiate a point of sale transaction between the mobile device and the point of sale device after determining that the second mobile device is within a first geo-fence around the point of sale device; and

executing the payment transaction order received from the first mobile device to complete the point of sale transaction between the mobile device and the point of sale device after determining that the first mobile device is within a second geo-fence of the point of sale device, wherein the second geo-fence is within the first geo-fence.

20. The method of claim 19 further comprising receiving an authorization to execute the payment transaction at the point of sale device from the first mobile device when the first mobile device is within the second geo-fence around the point of sale device.

21. The method of claim 19, wherein determining that a mobile device is within a geo-fence comprises determining whether the mobile device is within a defined proximity of the point of sale device.

22. The method of claim 19 further comprising sending an authorization response for the executed payment transaction from the point of sale device to the first mobile device.

23. The method of claim 19 further comprising sending at least one of advertisement information, referral reward information, and discounted deal information from the point of sale device to the first mobile device via the second mobile device.

24. The method of claim 19, wherein determining that the first mobile device is within the second geo-fence comprises determining location coordinates of the first mobile, wherein determining that the second mobile device is within the first geo-fence comprises determining location coordinates of the second mobile device.

25. The method of claim 19 further comprising receiving a speed of movement and a direction of movement of the first and second mobile devices at the point of sale device.

26. The method of claim 19 further comprising generating a map at the point of sale device indicating locations of the first and second mobile devices.

27. The method of claim 19 wherein executing the payment transaction order comprises authenticating said payment transaction order based on at least one of a voice recognition, a gesture, a computer face recognition, and a biometric recognition.

28. A point of sale device for performing point of sale transactions in a peer-to-peer ad-hoc network comprising a plurality of mobile devices, the point of sale comprising:

a set of circuits comprising a processor; and

a non-transitory computer readable medium storing a program that is executable by said processor, the program comprising sets of instructions for;

accepting a payment transaction order from a first mobile device of said plurality of mobile devices of the peer to peer network via a second mobile device of said plurality of mobile devices of the peer to peer network to initiate a point of sale transaction between the mobile device and the point of sale device after determining that the second mobile device is within a first geo-fence around the point of sale device; and

executing the payment transaction order received from the first mobile device to complete the point of sale transaction between the mobile device and the point of sale device after determining that the first mobile device is within a second geo-fence of the point of sale device, wherein the second geo-fence is within the first geo-fence.

29. The point of sale device of claim 28, the program further comprising a set of instructions for receiving an authorization to execute the payment transaction at the point of sale device from the first mobile device when the first mobile device is within the second geo-fence around the point of sale device.

30. The point of sale device of claim 28, wherein determining that a mobile device is within a geo-fence comprises determining whether the mobile device is within a defined proximity of the point of sale device.

31. The point of sale device of claim 28, the program further comprising a set of instructions for sending an authorization response for the executed payment transaction from the point of sale device to the first mobile device.

32. The point of sale device of claim 28, the program further comprising a set of instructions for sending at least one of advertisement information, referral reward information, and discounted deal information from the point of sale device to the first mobile device via the second mobile device.

33. The point of sale device of claim 28, wherein determining that the first mobile device is within the second geo-fence comprises determining location coordinates of the first mobile, wherein determining that the second mobile device is within the first geo-fence comprises determining location coordinates of the second mobile device.

34. The point of sale device of claim 28, the program further comprising a set of instructions for receiving a speed of movement and a direction of movement of the first and second mobile devices at the point of sale device.

35. The point of sale device of claim 28, the program further comprising a set of instructions for generating a map at the point of sale device indicating locations of the first and second mobile devices.

36. The point of sale device of claim 28, wherein the set of instructions for executing the payment transaction order comprises a set of instructions for authenticating said payment transaction order based on at least one of a voice recognition, a gesture, a computer face recognition, and a biometric recognition.