AUTOMATED PAYMENT FOR A RENTAL PERIOD BASED ON DETERMINING THE LOCATION OF A RENTER'S MOBILE COMMUNICATION DEVICE

• US 20140279713A1
• Filed: 03/14/2013
• Published: 09/18/2014
• Est. Priority Date: 03/14/2013
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Calman, Matthew A., Grigg, David M., Harkey, Scott Lee, Bondesen, Laura Corinne
• Application Number:
  US13/828,155
• Publication Number:
  US 20140279713A1
• Time in Patent Office: Days
• US Class Current: 705/418
• CPC Class Codes: G06Q 20/127 Shopping or accessing services according to a time-limitation
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G07F 17/0042 for hiring of objects
• CPC Class Codes: G07F 17/0057 for the hiring or rent of vehicles, e.g. cars, bicycles or wheelchairs car rental G07B15/00

Abstract

Systems, apparatus, methods and computer programs provide for self-service rental of rental items. The self-service aspect of the invention allows for renters to obtain the rental, leave the rental agency facility, return the rental item and pay for the rental without having to come into contact with anyone at the rental agency. The invention implements a renter'"'"'s mobile device. In this regard, the mobile device receives information related to the rental item that the renter desires to rent and initiates the self-service process. The rental period is defined by the time at which the mobile device, equipped with location-determining mechanisms, departs a designated rental area and the time at which the mobile device returns to the same or another designated rental area. Once the rental period is known, the rental period payment amount can be determined based on a predetermined rental rate and payment provided.

Claims

1. An apparatus for automated determination of a rental period payment amount, the apparatus comprising:

a mobile communication device including a computing platform comprising a processor, a memory in communication with the processor and a location-determining device in communication with the processor; and

a rental application stored in the memory, executable by the processor and configured to;

receive rental item information, wherein the rental item information identifies a rental item and enables automated rental;

in response to receiving the rental item information, implement the location-determining device to determine a first time at which the mobile communication device departs a first designated rental area;

implement the location-determining device to determine a second time at which the mobile communication enters a second designated rental area; and

determine a rental period payment amount for the rental period based on the first time, the second time and a predetermined time-based payment rate.

2. The apparatus of claim 1, wherein the rental application is further configured to, in automatic response to determining the payment amount, communicate, to a rental entity providing the rental item, a payment identifier associated with a payment account, wherein the payment identifier provides for payment of the rental period payment amount.

3. The apparatus of claim 1, wherein the rental application is further configured to, in response to receiving the rental item information, communicate authentication credentials to a rental entity renting the rental item, wherein receipt of the authentication credentials by the rental entity provides for authenticating the renter.

4. The apparatus of claim 1, wherein the mobile communication device further comprises an image-capturing device and wherein the rental application is further configured to receive the rental item information by implementing the image-capturing device to capture computer-readable indicia associated with a rental item, wherein the computer-readable indicia, when read by the mobile communication device, includes the rental item information.

5. The apparatus of claim 2, wherein the rental application is further configured to, in response to communicating the payment identifier, receive a payment receipt that indicates the payment amount for renting the rental item for the payment period.

6. The apparatus of claim 1, wherein the rental application is further configured to receive return location information, wherein the return location information identifies a location within the second designated rental area where the renter has returned the rental item.

7. The apparatus of claim 6, wherein the mobile communication device further comprises an image-capturing device and wherein the rental application is further configured to receive the location identifier by implementing the image-capturing device to capture computer-readable indicia associated with the location, wherein the computer-readable indicia, when read by the mobile communication device, identifies the location.

8. A method for automated determination of a rental period payment amount, the method comprising:

receiving, by a mobile communication device, rental item information, wherein the rental item information identifies a rental item and enables rental;

in response to receiving the rental item information, determining, by location determining mechanisms within the mobile communication device, a first time at which a renter, in possession of the mobile communication device and the rental item, departs a first designated rental area;

determining, by the location determining mechanisms within the mobile communication device, a second time at which the renter, in possession of the mobile communication device and the rental item, enters a second designated rental area; and

determining, by a computing device, a payment amount for the rental period based on the first time, the second time and a predetermined time-based payment rate.

9. The method of claim 8, further comprising, in automatic response to determining the payment amount, communicating a payment identifier associated with a payment account, wherein the payment identifier provides for payment of the payment amount.

10. The method of claim 8, further comprising, in response to receiving the rental item information, communicating authentication credentials to a rental entity renting the rental item, wherein receipt of the authentication credentials by the rental entity provides for authenticating the renter.

11. The method of claim 8, wherein receiving the rental item information further comprises capturing, by an image capture device within the mobile communication device, first computer-readable indicia associated with a rental item, wherein the computer-readable indicia, when read by the mobile communication device, includes the rental item information.

12. The method of claim 9, further comprises, in response to communicating the payment identifier, receiving, by the mobile communication, a payment receipt that indicates the payment amount for renting the rental item for the payment period.

13. The method of claim 8, further comprises receiving, by the mobile communication device, return location information, wherein the return location information identifies a location within the second designated rental area where the renter has returned the rental item.

14. The method of claim 13, wherein receiving the location identifier further comprises capturing, by an image-capturing device within the mobile communication device, second computer-readable indicia associated with the location, wherein the computer-readable indicia, when read by the mobile communication device, identifies the location.

20. The computer program product of claim 14, wherein the steps further comprise receiving return location information, wherein the return location information identifies a location within the second designated rental area where the renter has returned the rental item.

21. The computer program product of claim 20, wherein the step of receiving the return location information further comprises capturing, by an image-capturing device within the mobile communication device, second computer-readable indicia associated with the location, wherein the computer-readable indicia, when read by the mobile communication device, identifies the location.

15. A computer program product, the computer program product comprising a non-transitory computer-readable medium having computer-executable instructions to cause a computer to implement the steps of:

receiving rental item information, wherein the rental item information identifies a rental item and enables automated rental

in response to receiving the rental item information, determining, by location determining mechanisms within a mobile communication device, a first time at which a renter, in possession of the mobile communication device and the rental item, departs a first designated rental area;

determining, by the location determining mechanisms within the mobile communication device, a second time at which the renter, in possession of the mobile communication device and the rental item, enters a second designated rental area; and

determining a payment amount for the rental period based on the first time, the second time and a predetermined time-based payment rate.

16. The computer program product of claim 15, wherein the steps further comprise in automatic response to determining the payment amount, communicating a payment identifier associated with a payment account, wherein the payment identifier provides for payment of the payment amount.

17. The computer program product of claim 15, wherein the steps further comprise, in response to receiving the rental item information, communicating authentication credentials to a rental entity renting the rental item, wherein receipt of the authentication credentials by the rental entity provides for authenticating the renter.

18. The computer program product of claim 15, wherein the step of receiving the rental item information further comprises capturing, by an image capture device within the mobile communication device, first computer-readable indicia associated with a rental item, wherein the computer-readable indicia, when read by the mobile communication device, includes the rental item information.

19. The computer program product of claim 16, wherein the steps further comprise, in response to communicating the payment identifier, receiving a payment receipt that indicates the payment amount for renting the rental item for the payment period.