Social proximity payments
First Claim
1. A device comprising:
- a non-transitory memory;
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the device to perform operations comprising;
receiving, over a first network connection, a digital invoice from a merchant at a device location;
transmitting, over a second network connection, a payment request to a payment provider for payment of the digital invoice from a user associated with the device;
determining a population density for the device location;
determining a boundary area surrounding the device based on the determined population density;
determining, using a global positioning system, other devices in proximity to the device, the other devices being in proximity when located within the determined boundary area;
identifying other users associated with the other devices, wherein the identifying comprises comparing the other users to a contact list or a social network of the user associated with the device;
presenting, on a display of the device, a visual representation of the other users identified;
receiving a selection of one or more desired payers from the visual representation of the other users identified;
transmitting, over the second network connection, a payer request to the payment provider including the selection of the one or more desired payers for payment of the digital invoice; and
receiving, over the second network connection, a notification from the payment provider indicating a payment of the digital invoice.
2 Assignments
0 Petitions
Accused Products
Abstract
An application or App on a payer'"'"'s mobile device is used to discover people known to the user and who are in close proximity to the user at the time of a payment request. Discovery can be through searching contact lists and/or social networks of the payer and/or through the payer device discovering contacts around the payer and then searching the payer'"'"'s contact or social network list to see if there are any matches. These people are then shown to the user on the user device, such as with a photo, icon, name, and/or email address. The user selects desired ones, which causes requests to be sent to the selected people, such as through text, voice, or email, to the respective devices. The selected people can then easily confirm or authorize a payment be sent to the user or to a payee.
-
Citations
20 Claims
-
1. A device comprising:
-
a non-transitory memory; one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the device to perform operations comprising; receiving, over a first network connection, a digital invoice from a merchant at a device location; transmitting, over a second network connection, a payment request to a payment provider for payment of the digital invoice from a user associated with the device; determining a population density for the device location; determining a boundary area surrounding the device based on the determined population density; determining, using a global positioning system, other devices in proximity to the device, the other devices being in proximity when located within the determined boundary area; identifying other users associated with the other devices, wherein the identifying comprises comparing the other users to a contact list or a social network of the user associated with the device; presenting, on a display of the device, a visual representation of the other users identified; receiving a selection of one or more desired payers from the visual representation of the other users identified; transmitting, over the second network connection, a payer request to the payment provider including the selection of the one or more desired payers for payment of the digital invoice; and receiving, over the second network connection, a notification from the payment provider indicating a payment of the digital invoice. - View Dependent Claims (2, 3, 4, 5, 6, 7)
-
-
8. A method comprising:
-
receiving, over a first network connection, a digital invoice from a merchant at a device location; transmitting, over a second network connection, a payment request to a payment provider for payment of the digital invoice from a user associated with a device; determining a population density for the device location; determining a boundary area surrounding the device based on the determined population density; determining, using a global positioning system, other devices in proximity to the device, the other devices being in proximity when located within the determined boundary area; identifying other users associated with the other devices, wherein the identifying comprises comparing the other users to a contact list or a social network of the user associated with the device; displaying, on a display of the device, a visual representation of the other users identified; receiving a selection of one or more desired payers from the visual representation of the other users identified; transmitting, over the second network connection, a payer request to the payment provider including the selection of the one or more desired payers for payment of the digital invoice; and receiving, over the second network connection, a notification from the payment provider indicating a payment of the digital invoice. - View Dependent Claims (9, 10, 11, 12, 13, 14)
-
-
15. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
-
receiving, over a first network connection, a digital invoice from a merchant at a device location; transmitting, over a second network connection, a payment request to a payment provider for payment of the digital invoice from a user associated with a device; determining a population density for the device location; determining a boundary area surrounding the device based on the determined density; determining, using a global positioning system, other devices in proximity to the device, the other devices being in proximity when located within the determined boundary area; identifying other users associated with the other devices, wherein the identifying comprises comparing the other users to a contact list or a social network of the user associated with the device; displaying, on a display of the device, a visual representation of the other users identified; receiving a selection of one or more desired payers from the visual representation of the other users identified; transmitting, over the second network connection, a payer request to the payment provider including the selection of the one or more desired payers for payment of the digital invoice; and receiving, over the second network connection, a notification from the payment provider indicating a payment of the digital invoice. - View Dependent Claims (16, 17, 18, 19, 20)
-
Specification