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System and method for performing automatic payment transactions

  • US 10,043,171 B2
  • Filed: 12/10/2014
  • Issued: 08/07/2018
  • Est. Priority Date: 12/10/2014
  • Status: Active Grant
First Claim
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1. A method of conducting a payment transaction initiated by a merchant in response to detecting the presence of consumer payment devices in a payment charging area, the method comprising:

  • scanning, using a merchant wireless communication device, the payment charging area for payment profiles associated with and located on the consumer payment devices in the payment charging area, the consumer payment devices being configured to respond to interrogation by the merchant wireless communication device;

    receiving, by a payment platform, a verification query including i. information based on a first of the payment profiles acquired by the merchant wireless communication device and ii. a payment request including merchant information;

    comparing, by the payment platform, the information based on the first payment profile and the merchant information with consumer-defined verification parameters to determine if the first payment profile is associated with the merchant information for the payment request; and

    verifying, by the payment platform, the payment transaction between the first payment profile and the merchant in response to determining that the first payment profile is associated with the merchant information for the payment request.

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