Transactions associated with a mobile device

• US 10,074,086 B2
• Filed: 01/30/2012
• Issued: 09/11/2018
• Est. Priority Date: 01/15/2010
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Granbery, J. Hastings, Metral, Max
• Primary Examiner(s): Ade, Garcia
• Application Number:
  US13/360,941
• Publication Number:
  US 20120130895A1
• Time in Patent Office: 2,416 Days
• Field of Search: 705 16
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

Methods and apparatus, including computer program products, for transactions associated with a mobile device are discussed. A method can include receiving a merchant identifier, sending an identification data, receiving a transaction, and processing a funds transfer. The receiving the merchant identifier is from a mobile device associated with a user registered with a central payment service. The identification data is associated with the user and the identification data includes multiple identifying data items. The transaction data details a transaction between the merchant and the user. The funds transfer is between the merchant and the user based on the transaction.

Claims

1. A method comprising:

receiving, from a merchant device and by a central payment server, a transaction message for a transaction between the merchant device associated with a merchant and a mobile device associated with a user, the transaction at a merchant location, wherein the user and the merchant are registered with the central payment server;

generating a unique identifier for the merchant device based on registration of the merchant and the transaction message;

communicating the unique identifier to the merchant device;

receiving, over a network at the central payment server, user communication from the mobile device;

determining whether the user communication includes the unique identifier indicating that the mobile device received a broadcast from the merchant device for initiating the transaction;

in response to a determination that the mobile device received the broadcast, communicating, to the merchant device, identification data identifying the mobile device;

communicating, to the mobile device, transaction data for the transaction, the transaction data causing the mobile device to display information for the transaction on a graphical user interface of the mobile device;

receiving, from the mobile device over the network, a confirmation message confirming the transaction; and

processing, based on the transaction, a funds transfer between an account for the merchant and an account for the user.

2. The method of claim 1, wherein the identification data comprises an image identifying the user.

3. The method of claim 1, further comprising:

communicating offer communication to the mobile device, the offer communication indicating available offers from the merchant.

4. The method of claim 1, wherein the receiving the confirmation message includes receiving authorization data from the mobile device to authorize the central payment server to access the account for the user.

5. The method of claim 1, further comprising determining, based on the transaction message, the transaction from a plurality of transactions that are offered by the merchant device.

6. The method of claim 1, wherein the receiving the confirmation message includes receiving an enrollment request from a second mobile device associated with a second user registered with the central payment server.

7. The method of claim 6, wherein the processing the funds transfer includes transmitting a payment division request to the mobile device and the second mobile device to determine how to divide the funds transfer between the account for the user and a second account for the second user.

8. The method of claim 1,

wherein the unique identifier contains data to cause a mobile device receiving the unique identifier to display merchant information on a display of the mobile device.

9. The method of claim 1, further comprising communicating, over the network, an electronic receipt detailing the transaction.

10. The method of claim 1, wherein the identification data comprises location data identifying a physical location of the mobile device at a merchant store of the merchant.

11. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause performance of operations comprising:

receiving, from a merchant device and by a central payment server, a transaction message for a transaction between the merchant device associated with a merchant and a mobile device associated with a user, the transaction at a merchant location, wherein the user and the merchant are registered with the central payment server;

generating a unique identifier for the merchant device based on registration of the merchant and the transaction message;

communicating the unique identifier to the merchant device;

receiving user communication from the mobile device,

determine whether the user communication includes the unique identifier indicating that the mobile device received a broadcast from the merchant device for initiating the transaction;

in response to a determination that the mobile device received the broadcast, communicating to the merchant device, identification data identifying the mobile device;

communicating, to the mobile device, transaction data for the transaction, the transaction data causing the mobile device to display information for the transaction on a graphical user interface of the mobile device;

receiving, from the mobile device over a network, a confirmation message confirming the transaction; and

processing, based on the transaction, a funds transfer between an account for the merchant and an account for the user.

12. The non-transitory machine-readable medium of claim 11, wherein the identification data comprises an image identifying the user.

13. The non-transitory machine-readable medium of claim 11, wherein the operations further comprise communicating offer communication to the mobile device, the offer communication indicating available offers from the merchant.

14. The non-transitory machine-readable medium of claim 11, wherein receiving the confirmation message includes receiving authorization data from the mobile device to authorize the central payment server to access the account for the user.

15. The non-transitory machine-readable medium of claim 11, wherein the operations further comprise determining, based on the transaction message, the transaction from a plurality of transactions that are offered by the merchant device.

16. The non-transitory machine-readable medium of claim 11, wherein receiving the confirmation message includes receiving an enrollment request from a second mobile device associated with a second user registered with the central payment server.

17. The non-transitory machine-readable medium of claim 16, wherein processing the funds transfer includes transmitting a payment division request to the mobile device and the second mobile device to determine how to divide the funds transfer between the account for the user and a second account for the second user.

18. The non-transitory machine-readable medium of claim 11, wherein the unique identifier contains data to cause a mobile device receiving the unique identifier to display merchant information on a display of the mobile device.

19. The non-transitory machine-readable medium of claim 11, wherein the operations further comprise sending an electronic receipt detailing the transaction.

20. The non-transitory machine-readable medium of claim 11, wherein the identification data comprises location data identifying a physical location of the mobile device at a merchant store of the merchant.

21. A system comprising:

a non-transitory memory storing instructions; and

one or more hardware processors configured to execute the instructions to cause the system to;

receive, from a merchant device and by a central payment server, a transaction message for a transaction between the merchant device associated with a merchant and a mobile device associated with a user, the transaction at a merchant location for a merchant, wherein the user is registered with the central payment service server;

generate a unique identifier for the merchant device based on registration of the merchant and the transaction message;

communicate the unique identifier to the merchant device;

receive user communication from the mobile device;

determine whether the user communication includes the unique identifier indicating the mobile device received a broadcast from the merchant device initiating the transaction;

in response to a determination that the mobile device received the broadcast, communicate, to a merchant device, identification data associated with the user, the identification data identifying the mobile device; and

communicating, to the mobile device, transaction data for the transaction causing the mobile device to display information for the transaction on a graphical user interface of the mobile device;

receiving, from the mobile device over a network, a confirmation message confirming the transaction; and

processing, based on the transaction, a funds transfer between an account for the merchant and an account for the user.