SOCIAL PROXIMITY PAYMENTS
First Claim
1. A method for making a payment, comprising:
- receiving, by a processor of a payment provider, a request for payment from a user through a user device to a payee;
determining, by the processor, a location of the user device;
locating, by the processor, other users within a specified distance from the location of the user device;
determining, by the processor, identity information of the other users;
determining, by the processor, one or more of the other users from the other users known to the user;
presenting the one or more of the other users on the user device, wherein at least one of the one or more of the other users is shown in a visual representation;
receiving, from the user device, a selection of desired payers to be requested to make a payment to the payee, wherein the selection includes at least one of the one or more other users presented on the user device;
transmitting a payment request to a payer device of each of the desired payers; and
processing the payment request from each of the desired payers to the payee.
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 method for making a payment, comprising:
-
receiving, by a processor of a payment provider, a request for payment from a user through a user device to a payee; determining, by the processor, a location of the user device; locating, by the processor, other users within a specified distance from the location of the user device; determining, by the processor, identity information of the other users; determining, by the processor, one or more of the other users from the other users known to the user; presenting the one or more of the other users on the user device, wherein at least one of the one or more of the other users is shown in a visual representation; receiving, from the user device, a selection of desired payers to be requested to make a payment to the payee, wherein the selection includes at least one of the one or more other users presented on the user device; transmitting a payment request to a payer device of each of the desired payers; and processing the payment request from each of the desired payers to the payee. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
-
-
11. An apparatus comprising a non-transitory machine-readable medium storing a plurality of machine-readable instructions which, when executed by one or more processors, are adapted to cause the one or more processors to perform a method comprising:
-
receiving, by a payment provider, a request for payment from a user through a user device to a payee; determining a location of the user device; locating other users within a specified distance from the location of the user device; determining one or more of the other users from the other users known to the user; presenting the one or more of the other users on the user device, wherein at least one of the one or more of the other users is shown in a visual representation; receiving, from the user, a selection of desired payers to be requested to make a payment to the payee, wherein the selection includes at least one of the one or more other users presented on the user device; transmitting a payment request to a payer device of each of the desired payers; and processing the payment request from each of the desired payers to the payee. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
-
-
20. A system, comprising:
-
a computer storage storing account information for a plurality of consumers having an account with a payment provider; a processor that is operable to; receive a request for payment from a user through a user device to a payee; determine a location of the user device; locate other users within a specified distance from the location of the user device; determine identity information of the other users; determine one or more of the other users from the other users known to the user; present the one or more of the other users on the user device, wherein at least one of the one or more of the other users is shown in a visual representation; receive, from the user, a selection of desired payers to be requested to make a payment to the payee, wherein the selection includes at least one of the one or more other users presented on the user device; transmit a payment request to a payer device of each of the desired payers; and process the payment request from each of the desired payers to the payee, based in part on the account information.
-
Specification