Systems and methods for providing payment hotspots
First Claim
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;
generating an identification code for a payment hotspot associated with a first user device;
transmitting the identification code to the first user device;
receiving, from a second user device, a payment request comprising the identification code and payment account information;
identifying a receiving entity based on the identification code; and
processing a payment for the receiving entity using the payment account information included in the payment request.
2 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods are provided for facilitating payments between users of the system such as person-to-person payments using a payment hotspot. A payment hotspot or payspot may be generated by a first user device of a first user to facilitate a transfer of funds between the first user and the second user. The payspot may be a virtual payment portal that allows secure payment between the users without either of the users having to provide identifying information to the other user. The payspot may be accessed by the second user based on the proximity of a second user device of the second user to the first user device or the first user may provide an identification code of the payspot to the second user. The second user may access the payspot by communicating with a payment server with the second user device, through the first user device.
-
Citations
20 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; generating an identification code for a payment hotspot associated with a first user device; transmitting the identification code to the first user device; receiving, from a second user device, a payment request comprising the identification code and payment account information; identifying a receiving entity based on the identification code; and processing a payment for the receiving entity using the payment account information included in the payment request. - View Dependent Claims (2, 3, 4, 5, 6, 7)
-
-
8. A method, comprising:
-
receiving, by one or more hardware processors from a second user device, a hotspot payment request comprising an identification code and payment account information; identifying, by the one or more hardware processors from a plurality of payment hotspots, a particular payment hotspot and a first user device hosting the particular payment hotspot based on the identification code; determining, by the one or more hardware processors, that the first user device is within a distance threshold from the second user device; and in response to determining that the first user device is within the distance threshold from the second user device, processing, by the one or more hardware processors, a payment based on the payment account information. - 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:
-
generating a payment hotspot for a first user device, wherein the generating comprises providing the first user device an identification code associated with the payment hotspot and causing the first user device to be electronically discoverable by a second user device within a distance threshold of the first user device; receiving, from the second user device, a payment request comprising the identification code and payment account information; identifying a receiving entity based on the identification code; and processing a payment for the receiving entity using the payment account information included in the payment request. - View Dependent Claims (16, 17, 18, 19, 20)
-
Specification