Electronic payment restriction

• US 10,102,517 B2
• Filed: 01/09/2017
• Issued: 10/16/2018
• Est. Priority Date: 08/01/2012
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Akin, Jeremiah Joseph
• Primary Examiner(s): Campen, Kelly S
• Application Number:
  US15/401,459
• Publication Number:
  US 20170116593A1
• Time in Patent Office: 645 Days
• Field of Search: 705 11, 705319, 705 261, 705 35, 705 36 R, 705 44, 705 715, 705 39, 705 41, 726 26, 235379, 235380
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 50/01 Social networking

Abstract

A request to make a purchase from a mobile device of a first entity is detected. In response to the detected request, a determination is made whether the first entity has a subservient relationship with a second entity. In response to a determination that the first entity has the subservient relationship with the second entity, another determination is made whether the first entity is located proximate to the second entity. A first set of purchasing limitations is applied to the request in response to the determination that the first entity has the subservient relationship with the second entity and a determination that the first entity is located proximate to the second entity.

Claims

1. A system, comprising:

a non-transitory memory; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising;

detecting a request to make a purchase from a mobile device of a first entity;

determining, in response to the detected request, whether a second entity has authority to make purchasing decisions for the first entity;

determining, in response to a determination that the second entity has authority to make purchasing decisions for the first entity, whether the first entity is located within a first distance to the second entity, wherein the determining whether the first entity is located within the first distance to the second entity comprises retrieving a first location of the first entity via a Global Positioning System (GPS) of the mobile device and a second location of the second entity via a GPS of a mobile device of the second entity; and

applying a first set of purchasing limitations to the request in response to the determination that the second entity has authority to make purchasing decisions for the first entity and a determination that the first entity is located within the first distance to the second entity.

2. The system of claim 1, wherein the operations further comprise:

applying a second set of purchasing limitations to the request in response to the determination that the second entity has authority to make purchasing decisions for the first entity and a determination that the first entity is not located within the first distance to the second entity.

3. The system of claim 1, wherein the determining whether the second entity has authority to make purchasing decisions for the first entity comprises accessing an electronic social network account of the first entity and accessing an electronic social network account of the second entity.

4. The system of claim 1, wherein the determining whether the first entity is located within the first distance to the second entity comprises:

electronically retrieving a geographical boundary that was defined via the mobile device of the second entity; and

determining whether the first entity is located within the geographical boundary at least in part based on the retrieved first location of the first entity.

5. The system of claim 1, wherein the first entity comprises a child, and the second entity comprises a parent.

6. The system of claim 1, wherein the first entity comprises an employee, and the second entity comprises an employer.

7. The system of claim 1, wherein the operations further comprise:

receiving, from the second entity, a specification of the first distance.

8. A method, comprising:

detecting a request to make a purchase from a mobile device of a first entity;

determining, in response to the detected request, whether the first entity has a subservient relationship with a second entity;

determining, in response to a determination that the first entity has the subservient relationship with the second entity, whether the first entity is located within a first distance to the second entity, wherein the determining whether the first entity is located proximate to the second entity comprises retrieving a first location of the first entity via a Global Positioning System (GPS) of the mobile device of the first entity and a second location of the second entity via a GPS of a mobile device of the second entity; and

applying a first set of purchasing limitations to the request in response to the determination that the first entity has the subservient relationship with the second entity and a determination that the first entity is located within the first distance to the second entity.

9. The method of claim 8, further comprising:

applying a second set of purchasing limitations to the request in response to the determination that the first entity has the subservient relationship with the second entity and a determination that the first entity is not located within the first distance to the second entity.

10. The method of claim 8, wherein the determining whether the first entity has the subservient relationship with the second entity comprises accessing an electronic social network account of the first entity and accessing an electronic social network account of the second entity.

11. The method of claim 8, wherein the determining whether the first entity is located within the first distance to the second entity comprises:

electronically retrieving a geographical boundary that was defined via the mobile device of the second entity; and

determining whether the first entity is located within the geographical boundary at least in part based on the retrieved first location of the first entity.

12. The method of claim 8, wherein the first entity comprises a child, and the second entity comprises a parent.

13. The method of claim 8, wherein the first entity comprises an employee, and the second entity comprises an employer.

14. The method of claim 8, further comprising:

receiving, from the second entity, a specification of the first distance.

15. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

detecting a request to make a purchase from a first mobile device of a first entity;

determining, in response to the detected request, whether the first entity has a subservient relationship with a second entity;

determining, in response to a determination that the first entity has the subservient relationship with the second entity, whether the first mobile device is located within a threshold distance from a second mobile device of the second entity, wherein the determining whether the first mobile device is located within the threshold distance from a second mobile device comprises retrieving, via a Global Positioning System (GPS) of the first mobile device and the second mobile device, respectively, a first location of the first mobile device and a second location of the second mobile device; and

applying a first set of purchasing limitations to the request in response to the determination that the first entity has the subservient relationship with the second entity and a determination that the first mobile device is located within the threshold distance from the second mobile device.

16. The non-transitory machine-readable medium of claim 15, wherein the operations further comprise:

applying a second set of purchasing limitations to the request in response to the determination that the first entity has the subservient relationship with the second entity and a determination that the first mobile device is not located within the threshold distance from the second mobile device.

17. The non-transitory machine-readable medium of claim 15, wherein the determining whether the first entity has the subservient relationship with the second entity comprises accessing an electronic social network account of the first entity and accessing an electronic social network account of the second entity.

18. The non-transitory machine-readable medium of claim 15, wherein the determining whether the first mobile device is located within the threshold distance from a second mobile device comprises:

electronically retrieving a geographical boundary that was defined via the second mobile device; and

determining whether the first mobile device is located within the threshold distance of the second mobile device at least in part based on the retrieved first location of the first mobile device.

19. The non-transitory machine-readable medium of claim 15, wherein:

the first entity comprises a child, an employee, or a supervisee; and

the second entity comprises, respectively, a parent, an employer, or a supervisor.

20. The non-transitory machine-readable medium of claim 15, wherein the operations further comprise:

receiving, from the second entity, a specification of the threshold distance.