Peer-to-peer payment processing

• US 10,325,253 B2
• Filed: 06/02/2016
• Issued: 06/18/2019
• Est. Priority Date: 10/17/2012
• Status: Active Grant

• Current Assignee: Groupon Incorporated
• Original Assignee: Groupon Incorporated
• Inventors: Artman, Tuomas Santeri, Engestrom, Jyri, Schwekendiek, Ulf
• Primary Examiner(s): Niquette, Robert R
• Assistant Examiner(s): Nguyen, Liz P
• Application Number:
  US15/172,032
• Publication Number:
  US 20160275476A1
• Time in Patent Office: 1,111 Days
• Field of Search: 705 44
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: H04W 76/10 Connection setup

Abstract

Systems and related methods facilitating payments with a mobile device are discussed herein. Circuitry in a networked-based payment system may be configured to receive payment information from a first device. The first device may include circuitry configured to wirelessly receive wallet identifying data from the payment system. The wallet identifying data may be used to secure messages between the first device and another device over a wireless link. For example, the first device may be configured to send the wallet identifying data to a second device, which may then communicate with the payment system. In response, consumer identifying data associated with the wallet identifying data may be received by the second device from the payment system. In some embodiments, use of wallet identifying data may be applied to other communications, such as for messages that authorize payment.

Claims

1. A system for providing a secure communication protocol for data transfer with a mobile device, the system including one or more servers connected with a merchant device via an Internet connection, the merchant device connected with the mobile device via a direct wireless network connection formed when the mobile device is within a direct wireless communicable range of the merchant device, the direct wireless connection being separate from the Internet connection such that the mobile device communicates with the one or more servers via the merchant device when the mobile device forms the direct wireless connection with the merchant device, the one or more servers, configured to:

generate wallet identifying data that uniquely identifies the mobile device from other mobile devices, wherein the wallet identifying data is generated based at least in part on a random code and configured to secure data transfers over the direct wireless connection and the Internet connection;

send the wallet identifying data to the mobile device via the Internet connection when the mobile device is connected with the one or more servers;

receive, from the merchant device or the mobile device, a consumer approval data threshold indicator that indicates whether a user input comprising a consumer approval of a transaction is needed to complete the transaction, wherein the transaction comprises the sending and receiving of transaction data and consumer approval data, the transaction data comprising a total cost of one or more items and a transaction identifier, the consumer approval data being secured with the wallet identifying data and comprising consumer data, the transaction data, and a consumer approval indicator that indicates whether the user has provided user inputs comprising the consumer approval of the transaction, and wherein the consumer data comprises a consumer identifier and a payment account identifier;

subsequent to sending the wallet identifying data to the mobile device, in circumstances where the consumer approval data indicator indicates that consumer approval data is needed to complete the transaction, the one or more servers are further configured to;

receive payment approval data from the merchant device via the Internet connection, wherein the payment approval data includes the consumer approval data that is transmitted to the merchant device from the mobile device via the direct wireless network connection formed when the mobile device is within a direct wireless communicable range of the merchant device, and wherein the payment approval data is secured with the wallet identifying data;

validate the payment approval data received from the merchant device based on verifying that the payment approval data was programmatically secured using the wallet identifying data sent to the mobile device, wherein the one or more servers validate the consumer approval data by decoding or authenticating the consumer approval data and the transaction data by utilizing a locally stored copy of the wallet identifying data; and

subsequent to validating the payment approval data received from the merchant device, process the consumer approval data.

2. The system of claim 1, wherein:

the one or more servers are further configured to;

receive payment account information from the mobile device;

associate the wallet identifying data with the payment account information; and

store the payment account information in a database; and

the one or more servers configured to process the payment approval data includes the one or more servers being configured to;

retrieve the payment account information based on querying the database with the wallet identifying data; and

facilitate the transaction using the payment account information.

3. The system of claim 1, the one or more servers are further configured to:

receive consumer identifying data from the mobile device;

associate the wallet identifying data with the consumer identifying data; and

store the consumer identifying data in a database; and

receive the wallet identifying data from the mobile device via the merchant device, wherein the wallet identifying data is transmitted to the merchant device from the mobile device via the direct wireless connection;

validate the wallet identifying data received from the merchant device based on verifying that the wallet identifying data corresponds with the wallet identifying sent to the mobile device; and

subsequent to validating the wallet identifying data received from the merchant device, send the consumer identifying data to the merchant device.

4. The system of claim 1, wherein the consumer identifying data includes image data presenting a picture of a consumer associated with the wallet identifying data.

5. The system of claim 1, wherein the one or more servers are further configured to send a payment confirmation indicating payment of the total cost to the merchant device after processing the payment approval data.

6. The system of claim 1, wherein the one or more servers configured to validate the payment approval data received from the merchant device based on verifying that the payment approval data was programmatically secured using the wallet identifying data includes the one or more servers being configured to verify that the payment approval data includes data that is encrypted using the wallet identifying data.

7. The system of claim 1, wherein the one or more servers configured to validate the payment approval data received from the merchant device based on verifying that the payment approval data was programmatically secured using the wallet identifying data includes the one or more servers being configured to verify that the payment approval data includes an electronic signature created using the wallet identifying data.

8. The system of claim 1, wherein the wallet identifying data includes one or more tokens.

9. The system of claim 1, wherein the direct wireless connection includes a personal area network (PAN) of the merchant device.

10. The system of claim 1, wherein the direct wireless connection between the merchant device and the mobile device is formed when the mobile device is within the direct wireless communicable range of the merchant device and the mobile device does not access the Internet connection with the one or more servers.

21. The system of claim 1, wherein the consumer approval data threshold indicator is based on whether a first trigger condition is satisfied,

wherein the first trigger condition is determined based on at least in part one of (a) a merchant identifier associated with the merchant device, (b) a location of the mobile device, (c) a total transaction cost, and (d) a location of the merchant device,

and wherein the one or more servers determine that, despite the first trigger condition being satisfied, the user input comprising the consumer approval of a transaction is needed to complete the transaction when a second trigger condition is satisfied.

22. The system of claim 1, wherein the one or more servers are further configured to:

send consumer information data to the merchant device, wherein the consumer information data comprises at least two types of data selected from a group consisting of image data representing a picture of the consumer, payment account data, third party account data, purchase history data, user profile data, and social network data, wherein one of the at least two types of data is secured with the wallet identifying data and one of the at least two types of data is not secured with the wallet identifying data, and

wherein consumer information data is configured to cause the merchant device to render the consumer information data on a display, and wherein the order of the rendered consumer information data is at least partly based on a tracked location of the mobile device with respect to the consumer device.

11. A machine-implemented method for providing a secure communication protocol for data transfer with a mobile device by one or more servers, the one or more servers connected with a merchant device via an Internet connection, the merchant device connected with the mobile device via a direct wireless network connection formed when the mobile device is within a direct wireless communicable range of the merchant device, the direct wireless connection being separate from the Internet connection such that the mobile device communicates with the one or more servers via the merchant device when the mobile device forms the direct wireless connection with the merchant device, the one or more servers, the method comprising, by the one or more servers

generating wallet identifying data that uniquely identifies the mobile device from other mobile devices, wherein the wallet identifying data is generated based at least in part on a random code and configured to secure data transfers over the direct wireless connection and the Internet connection;

sending the wallet identifying data to the mobile device via the Internet connection when the mobile device is connected with the one or more servers;

receiving a consumer approval data threshold indicator that indicates whether a consumer approval data is needed to complete a transaction, wherein the transaction comprises the sending and receiving of transaction data and consumer approval data, the transaction data comprising a total cost of one or more items and a transaction identifier, the consumer approval data being secured with the wallet identifying data and comprising consumer data, the transaction data, and a consumer approval indicator that indicates whether the user has provided a user input comprising a consumer approval of the transaction, and wherein the consumer data comprises a consumer identifier and a payment account identifier;

subsequent to sending the wallet identifying data to the mobile device in circumstances where the consumer approval data indicates that consumer approval data is needed to complete the transaction, the method implemented the one or more servers further comprises;

receiving consumer approval data from the merchant device via the Internet connection, wherein the consumer approval data is transmitted to the merchant device from the mobile device via the direct wireless network connection formed when the mobile device is within a direct wireless communicable range of the merchant device, and wherein the consumer approval data is secured with the wallet identifying data by the merchant device;

validating the consumer approval data received from the merchant device based on verifying that the consumer approval data was programmatically secured using the wallet identifying data sent to the mobile device; and

subsequent to validating the consumer approval data received from the merchant device, processing the consumer approval data.

12. The machine-implemented method of claim 11, wherein:

the method further includes, by the one or more servers;

receiving payment account information from the mobile device;

associating the wallet identifying data with the payment account information; and

storing the payment account information in a database; and

processing the consumer approval data includes;

retrieve the payment account information based on querying the database with the wallet identifying data; and

facilitate the transaction using the payment account information.

13. The machine-implemented method of claim 11 further comprising, by the one or more servers:

receiving consumer identifying data from the mobile device;

associating the wallet identifying data with the consumer identifying data; and

storing the consumer identifying data in a database; and

receiving the wallet identifying data from the mobile device via the merchant device, wherein the wallet identifying data is transmitted to the merchant device from the mobile device via the direct wireless connection;

validating the wallet identifying data received from the merchant device based on verifying that the wallet identifying data corresponds with the wallet identifying sent to the mobile device; and

subsequent to validating the wallet identifying data received from the merchant device, sending the consumer identifying data to the merchant device.

14. The machine-implemented method of claim 11, wherein the consumer identifying data includes image data presenting a picture of a consumer associated with the wallet identifying data.

15. The machine-implemented method of claim 11 further comprising sending, by the one or more servers, a payment confirmation indicating payment of the total cost to the merchant device after processing the consumer approval data.

16. The machine-implemented method of claim 11, wherein validating the consumer approval data received from the merchant device based on verifying that the consumer approval data was programmatically secured using the wallet identifying data includes verifying that the consumer approval data includes data that is encrypted using the wallet identifying data.

17. The machine-implemented method of claim 11, wherein validating the consumer approval data received from the merchant device based on verifying that the consumer approval data was programmatically secured using the wallet identifying data includes verifying that the consumer approval data includes an electronic signature created using the wallet identifying data.

18. The machine-implemented method of claim 11, wherein the wallet identifying data includes one or more tokens.

19. The machine-implemented method of claim 11, wherein the direct wireless connection includes a personal area network (PAN) of the merchant device.

20. The machine-implemented method of claim 11, wherein the direct wireless connection between the merchant device and the mobile device is formed when the mobile device is within the direct wireless communicable range of the merchant device and the mobile device does not access the Internet connection with the one or more servers.