Payment selection and authorization
First Claim
1. A method, comprising:
- receiving, by one or more computing devices, one or more predetermined rules for payment authorization from a mobile device, the one or more predetermined rules including a time threshold, wherein at least one computing device of the one or more computing devices includes an authorization manager;
receiving, by the one or more computing devices, a request to authorize a payment from a merchant device, the request including at least a payment identifier and an amount of a transaction;
receiving, by the at least one computing device, the request;
executing, by the at least one computing device, the authorization manager;
identifying, by the at least one computing device via the authorization manager, the mobile device with the payment identifier;
associating, by the at least one computing device via the authorization manager, a plurality of known locations with the mobile device based at least in part on the identifying the mobile device;
determining, by the at least one computing device via the authorization manager, a current location of the mobile device;
comparing, by the at least one computing device via the authorization manager, the current location of the mobile device with the plurality of known locations;
determining, by the at least one computing device via the authorization manager, an authorization requirement, the authorization requirement including the one or more predetermined rules and at least one requirement prompting additional verification information associated with the mobile device;
determining, by the at least one computing device via the authorization manager, that the mobile device is unavailable to receive an authorization message at a current time based at least in part on the current time being within the time threshold;
transmitting, by the one or more computing devices, a first message to the merchant device based on the one or more predetermined rules;
determining, by the at least one computing device via the authorization manager, a delay for a second message transmission based the time threshold;
determining, by the at least one computing device via the authorization manager, that the delay has expired and transmitting the authorization message to the mobile device, wherein the authorization message includes a first prompt and a second prompt;
receiving, by the one or more computing devices, a user response via the mobile device corresponding to the first prompt and the second prompt;
determining, by the at least one computing device via the authorization manager, that the user response corresponding to the first prompt satisfies the at least one requirement of the authorization requirement;
transmitting, by the one or more computing devices, a response to the merchant device including an acceptance of the payment based at least in part on the user response corresponding to the second prompt; and
transferring, by the one or more computing devices, the amount of the payment to an account of a merchant associated with the merchant device.
1 Assignment
0 Petitions
Accused Products
Abstract
When making a payment with an electronic payment type, a user may provide additional verification of ownership through communications with the user'"'"'s mobile computing device. For example, the user may swipe her bank card at a retailer'"'"'s store. The retailer may authorize the bank card through an issuing party (“host”). The host may transmit a request to the user via a mobile application running on the mobile computing device, which may request the user to approve or decline the purchase request. In various embodiments, the host'"'"'s request may require the user to enter personal and/or authorization information (e.g., a PIN, password, biometrics, etc.) via the mobile application to approve the request. In some aspects, the host may allow the user to split or allocate a payment amount across one or more electronic payment types available to the user from the host via the mobile application during the authorization process.
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Citations
21 Claims
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1. A method, comprising:
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receiving, by one or more computing devices, one or more predetermined rules for payment authorization from a mobile device, the one or more predetermined rules including a time threshold, wherein at least one computing device of the one or more computing devices includes an authorization manager; receiving, by the one or more computing devices, a request to authorize a payment from a merchant device, the request including at least a payment identifier and an amount of a transaction; receiving, by the at least one computing device, the request; executing, by the at least one computing device, the authorization manager; identifying, by the at least one computing device via the authorization manager, the mobile device with the payment identifier; associating, by the at least one computing device via the authorization manager, a plurality of known locations with the mobile device based at least in part on the identifying the mobile device; determining, by the at least one computing device via the authorization manager, a current location of the mobile device; comparing, by the at least one computing device via the authorization manager, the current location of the mobile device with the plurality of known locations; determining, by the at least one computing device via the authorization manager, an authorization requirement, the authorization requirement including the one or more predetermined rules and at least one requirement prompting additional verification information associated with the mobile device; determining, by the at least one computing device via the authorization manager, that the mobile device is unavailable to receive an authorization message at a current time based at least in part on the current time being within the time threshold; transmitting, by the one or more computing devices, a first message to the merchant device based on the one or more predetermined rules; determining, by the at least one computing device via the authorization manager, a delay for a second message transmission based the time threshold; determining, by the at least one computing device via the authorization manager, that the delay has expired and transmitting the authorization message to the mobile device, wherein the authorization message includes a first prompt and a second prompt; receiving, by the one or more computing devices, a user response via the mobile device corresponding to the first prompt and the second prompt; determining, by the at least one computing device via the authorization manager, that the user response corresponding to the first prompt satisfies the at least one requirement of the authorization requirement; transmitting, by the one or more computing devices, a response to the merchant device including an acceptance of the payment based at least in part on the user response corresponding to the second prompt; and transferring, by the one or more computing devices, the amount of the payment to an account of a merchant associated with the merchant device. - View Dependent Claims (2, 3, 4, 5, 9)
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6. A method, comprising:
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receiving, by one or more computing devices, a request to authorize a payment from a merchant device, the request including at least a payment identifier and an amount of a transaction, wherein at least one computing device of the one or more computing devices includes an authorization manager; retrieving, by the one or more computing devices, one or more predetermined rules for payment authorization from user data associated with the payment identifier, the one or more predetermined rules including a time threshold; receiving, by the at least one computing device, the request; executing, by the at least one computing device, the authorization manager; identifying, by the at least one computing device via the authorization manager, a mobile device with the payment identifier; associating, by the at least one computing device via the authorization manager, a plurality of known locations with the mobile device based at least in part on the identifying the mobile device; determining, by the at least one computing device via the authorization manager, a current location of the mobile device; comparing, by the at least one computing device via the authorization manager, the current location of the mobile device with the plurality of known locations; determining, by the at least one computing device via the authorization manager, an authorization requirement, the authorization requirement including the one or more predetermined rules and at least one requirement prompting additional verification information associated with the mobile device; determining, by the at least one computing device via the authorization manager, that the mobile device is unavailable to receive an authorization message at a current time being within the time threshold; determining, by the at least one computing device via the authorization manager, a delay for a message transmission based the time threshold; determining, by the at least one computing device via the authorization manager, that the delay has expired and transmitting the authorization message to the mobile device, wherein the authorization message includes a first prompt, a second prompt, and a third prompt; receiving, by the one or more computing devices, a user response via the mobile device corresponding to the first prompt, the second prompt, and the third prompt; determining, by the at least one computing device via the authorization manager, that the user response corresponding to the first prompt satisfies the at least one requirement of the authorization requirement; and transmitting, by the one or more computing device, a response to the merchant device including an acceptance of the payment based at least in part on the user response corresponding to the second prompt and the third prompt. - View Dependent Claims (7, 8, 10, 11, 12, 13, 14, 15)
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16. One or more non-transitory computer-readable storage media storing computer-executable instructions that, when executed on one or more processors, performs acts comprising:
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receiving a request to authorize a payment from a merchant device, the request including at least a payment identifier and an amount; retrieving one or more predetermined rules for payment authorization from account data associated with the payment identifier, the one or more predetermined rules including a time threshold; executing an authorization manager based at least in part on the retrieving the one or more predetermined rules; identifying, via the authorization manager, a mobile device with the payment identifier; determining, via the authorization manager, a current location of the mobile device; determining, via the authorization manager, that the current location of the mobile device is located at one of a plurality of known locations; determining, via the authorization manager, an authorization requirement including includes the one or more predetermined rules and at least one requirement prompting biometric data of a user associated with the mobile device; determining, via the authorization manager, that the mobile device is unavailable to receive an authorization message at a current time based at least in part on the current time being within the time threshold; determining, via the authorization manager, a delay for a message transmission based on the time threshold; determining, via the authorization manager, that the delay has expired and transmitting the authorization message to the mobile device, wherein the authorization message includes a first prompt, a second prompt, and third prompt; receiving a user response via the mobile device corresponding to the first prompt, the second prompt, and the third prompt; determining, via the authorization manager, that the user response corresponding to the first prompt satisfies the authorization requirement; and transmitting a response to the merchant device including an acceptance of the payment based at least in part on the user response corresponding to the second prompt and the third prompt. - View Dependent Claims (17, 18, 19, 20, 21)
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Specification