Methods and systems for making a pre-payment
First Claim
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1. A method comprising:
- receiving, at a mobile wallet, information populating at least one payment instrument to the mobile wallet;
sending, via the mobile wallet, a pre-payment corresponding to one or more items available for purchase to a payment location using at least one payment instrument from the mobile wallet for settlement of the pre-payment,wherein the pre-payment identifies the at least one payment instrument to the payment location via the mobile wallet; and
receiving, at the mobile wallet in response to the pre-payment being received by the payment location, a token,wherein the token identifies a user, the pre-payment, and the one or more items to the payment location, wherein the token includes an identifier used to identify the user, wherein the token is presented by the user via the mobile wallet upon exit from the payment location to verify that the prepayment corresponds to the one or more items.
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Abstract
Methods and systems are provided for making a pre-payment. In some embodiments, a user is provided with a mobile wallet; information populating at least one payment instrument to the mobile wallet is received; information that the mobile wallet is usable with respect to the vehicle is received; information that the mobile wallet has been presented by the vehicle to a payment location is received; an authorized pre-payment corresponding to items or an amount associated with the payment location is received; a token is received from the user at the payment location; and the pre-payment is settled using the payment instrument.
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Citations
20 Claims
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1. A method comprising:
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receiving, at a mobile wallet, information populating at least one payment instrument to the mobile wallet; sending, via the mobile wallet, a pre-payment corresponding to one or more items available for purchase to a payment location using at least one payment instrument from the mobile wallet for settlement of the pre-payment, wherein the pre-payment identifies the at least one payment instrument to the payment location via the mobile wallet; and receiving, at the mobile wallet in response to the pre-payment being received by the payment location, a token, wherein the token identifies a user, the pre-payment, and the one or more items to the payment location, wherein the token includes an identifier used to identify the user, wherein the token is presented by the user via the mobile wallet upon exit from the payment location to verify that the prepayment corresponds to the one or more items. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A non-transitory computer-readable storage medium containing a set of instructions that, when executed by one or more processors, cause a machine to:
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receive, at a mobile wallet, information populating at least one payment instrument to the mobile wallet; send, via the mobile wallet, a pre-payment corresponding to one or more items available for purchase to a payment location using at least one payment instrument from the mobile wallet for settlement of the pre-payment, wherein the pre-payment identifies the at least one payment instrument to the payment location via the mobile wallet; and receive, at the mobile wallet in response to the pre-payment being received by the payment location, a token, wherein the token identifies a user, the pre-payment, and the one or more items to the payment location, wherein the token includes an identifier used to identify the user, wherein the token is presented by the user via the mobile wallet upon exit from the payment location to verify that the prepayment corresponds to the one or more items. - View Dependent Claims (15, 16, 17, 18, 19)
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20. A system for making a pre-payment, the system comprising:
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a memory; and a processor in connection with the memory, the processor operable to execute software modules, the software modules comprising; a mobile wallet application module operable to; receive information populating at least one payment instrument to the mobile wallet, send a pre-payment corresponding to one or more items available for purchase to a payment location using at least one payment instrument from the mobile wallet for settlement of the pre-payment, wherein the pre-payment identifies the at least one payment instrument to the payment location via the mobile wallet, receive, in response to the pre-payment being received by the payment location, a token, wherein the token identifies a user, the pre-payment, and the one or more items to the payment location, wherein the token includes an identifier used to identify the user, wherein the token is presented by the user via the mobile wallet upon exit from the payment location to verify that the prepayment corresponds to the one or more items; and a payment settlement module operable to settle the pre-payment using the one of the at least one payment instrument.
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Specification