Method and system for communicating location of a mobile device for hands-free payment

• US 10,467,617 B1
• Filed: 07/12/2018
• Issued: 11/05/2019
• Est. Priority Date: 06/09/2011
• Status: Active Grant

• Current Assignee: Stripe, Inc.
• Original Assignee: Cria Inc.
• Inventors: Moshfeghi, Mehran
• Primary Examiner(s): Frenel, Vanel
• Application Number:
  US16/034,100
• Time in Patent Office: 481 Days
• Field of Search: 705 16, 705 21, 705 18, 705 38, 705 41, 705 44, 455 411, 4554561, 235380, 709227
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences

Abstract

Certain aspects of a method and system for communicating location of a mobile device for hands-free payment may include a peer-to-peer ad-hoc network that comprises a plurality of mobile devices, a plurality of access points, and a plurality of point of sale (POS) devices. A first mobile device may determine its location coordinates and communicate them to a selected POS device via the peer to peer ad-hoc network. At least one of the plurality of mobile devices and/or the plurality of access points may be within a defined proximity of the selected POS device. In some instances, the first POS device may receive via one or more intermediate mobile devices in the peer-to-peer ad-hoc network, location coordinates and payment transaction information of a selected mobile device. At least one of the intermediate mobile devices may be within a defined proximity of the first POS device.

Claims

1. A method for performing point of sale transactions between a mobile device and a point of sale device, the method comprising:

accepting a transaction request from the mobile device to initiate a point of sale transaction between the mobile device and the point of sale device without the point of sale device receiving payment information from the mobile device, wherein the transaction request is accepted after determining that the mobile device is registered to perform point of sales transactions based on a verification of identification credential information associated with the mobile device, and wherein a mobile device registration for performing point of sales transactions comprises identification credential information for the mobile device and payment information associated with the identification credential information; and

executing the accepted transaction request to complete the point of sale transaction between the mobile device and the point of sale device after determining that the mobile device is within a geo-fence around the point of sale device, and without requiring the transaction request to include the payment information for the transaction.

2. The method of claim 1, wherein accepting the transaction request further comprises:

receiving the transaction request from an intermediate device via a peer-to-peer network, wherein the mobile device is communicatively coupled with the intermediate device via the peer-to-peer network, and the intermediate device is communicatively coupled with the point of sale device via the peer-to-peer network.

3. The method of claim 2, wherein the intermediate device is within the geo-fence around the point of sale device when the transaction request is received.

4. The method of claim 2, wherein the intermediate device is one of a second point of sale device, a second mobile device, or a network access point.

5. The method of claim 1 further comprising:

sending an authorization response for the executed transaction request from the point of sale device to the mobile device.

6. The method of claim 1, wherein determining that the mobile device is within the geo-fence comprises determining whether the mobile device is within a defined proximity of the point of sale device.

7. The method of claim 1, further comprising:

accepting the transaction request from mobile device to initiate the point of sale transaction when the mobile device is determined to be within a second geo-fence around the point of sale device, wherein the geo-fence is within the second geo-fence.

8. The method of claim 7, wherein determining that the mobile device is within one of the geo-fence and the second geo-fence comprises determining location coordinates for the mobile device.

9. The method of claim 1, wherein the identification credential information and the payment information are associated with a user of the mobile device.

10. The method of claim 9, further comprising:

authorizing the user of the mobile device prior to acceptance of the transaction request based at least in part on a voice recognition, a gesture, a computer face recognition and a biometric recognition.

11. A point of sale device for performing point of sale transactions, the point of sale device comprising:

a transceiver to receive a transaction request from a mobile device that initiates a point of sale transaction between the mobile device and the point of sale device; and

a processor coupled with the transceiver to;

accept the transaction request from the mobile device without receiving payment information from the mobile device, wherein the transaction request is accepted after determining that the mobile device is registered to perform point of sales transactions based on a verification of identification credential information associated with the mobile device, and wherein a mobile device registration for performing point of sales transactions comprises identification credential information for the mobile device and payment information associated with the identification credential information, and

execute the accepted transaction request to complete the point of sale transaction between the mobile device and the point of sale device after determining that the mobile device is within a geo-fence around the point of sale device, and without requiring the transaction request to include the payment information for the transaction.

12. The point of sale device of claim 11, wherein the processor to accept the transaction request further comprises the processor to:

receive the transaction request from an intermediate device via a peer-to-peer network, wherein the mobile device is communicatively coupled with the intermediate device via the peer-to-peer network, and the intermediate device is communicatively coupled with the point of sale device via the peer-to-peer network.

13. The point of sale device of claim 12, wherein the intermediate device is within the geo-fence around the point of sale device when the transaction request is received.

14. The point of sale device of claim 12, wherein the intermediate device is one of a second point of sale device, a second mobile device, or a network access point.

15. The point of sale device of claim 11, further comprising the processor to:

send an authorization response for the executed transaction request from the point of sale device to the mobile device.

16. The point of sale device of claim 11, wherein the processor to determine that the mobile device is within the geo-fence further comprises the processor to determine whether the mobile device is within a defined proximity of the point of sale device.

17. The point of sale device of claim 11, further comprising the processor to:

accept the transaction request from the mobile device to initiate the point of sale transaction when the mobile device is determined to be within a second geo-fence around the point of sale device, wherein the geo-fence is within the second geo-fence.

18. The point of sale device of claim 17, wherein the processor to determine that the mobile device is within one of the geo-fence and the second geo-fence further comprises the processor to determine location coordinates for the mobile device.

19. The point of sale device of claim 11, wherein the identification credential information and the payment information are associated with a user of the mobile device.

20. The point of sale device of claim 19, further comprising the processor to:

authorize the user of the mobile device prior to acceptance of the transaction request based at least in part on a voice recognition, a gesture, a computer face recognition and a biometric recognition.

21. A non-transitory computer readable medium storing a program that when executable by a computer processing system causes the computer processing system to perform operations for performing point of sale transactions between a mobile device and a point of sale device, the operations comprising:

accepting a transaction request from the mobile device to initiate a point of sale transaction between the mobile device and the point of sale device without the point of sale device receiving payment information from the mobile device, wherein the transaction request is accepted after determining that the mobile device is registered to perform point of sales transactions based on a verification of identification credential information associated with the mobile device, and wherein a mobile device registration for performing point of sales transactions comprises identification credential information for the mobile device and payment information associated with the identification credential information; and

executing the accepted transaction request to complete the point of sale transaction between the mobile device and the point of sale device after determining that the mobile device is within a geo-fence around the point of sale device, and without requiring the transaction request to include the payment information for the transaction.

22. The non-transitory computer readable medium of claim 21, further comprising operations for:

sending an authorization response for the executed transaction request from the point of sale device to the mobile device.

23. The non-transitory computer readable medium of claim 21, further comprising operations for:

accepting the transaction request from the mobile device to initiate the point of sale transaction when the mobile device is determined to be within a second geo-fence around the point of sale device, wherein the geo-fence is within the second geo-fence.