PAYMENT CODES FOR ENHANCED CONSUMER EXPERIENCE

• US 20140337138A1
• Filed: 06/28/2013
• Published: 11/13/2014
• Est. Priority Date: 05/08/2013
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Ansari, Ansar, Viswanath, Karun, Esch, Darrell, Mardikar, Upendra S., Chitalia, Jalpesh K., Baig, Attaullah M., Potireddy, Sireesh, Wong, Catherine, Philips, Gavin, Velani, Malik
• Application Number:
  US13/931,691
• Publication Number:
  US 20140337138A1
• Time in Patent Office: Days
• US Class Current: 705/14.64
• CPC Class Codes: G06K 19/06028 using bar codes
• CPC Class Codes: G06K 19/06037 multi-dimensional coding
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 30/0267 Wireless devices

Abstract

Methods and systems for facilitating payments with a mobile device are described. The methods include detecting a location of a mobile device, receiving identifying information from a user through the mobile device when the mobile device is near at least one merchant without a request from the user, generating a payment code without a request from the user, transmitting the payment code to the mobile device, receiving the payment code and a payment request from a merchant, and processing the payment request.

Claims

1. A system, comprising:

a memory device storing user account information; and

one or more processors in communication with the memory device and operable to;

detect a location of a mobile device of a user;

receive identifying information from the user'"'"'s mobile device when the mobile device is near at least one merchant without a request from the user;

generate a payment code without a request from the user;

transmit the payment code to a mobile device associated with the user;

receive the payment code and a payment request from a merchant; and

process the payment request.

2. The system of claim 1, wherein the payment code comprises an access code or a barcode.

3. The system of claim 1, wherein the payment code is time-sensitive, for one-time use, location specific, or a combination thereof.

4. The system of claim 1, wherein the one or more processors is further operable to determine information about the user'"'"'s location from the mobile device.

5. The system of claim 1, wherein the one or more processors is further operable to transmit a one-time notification from the merchant to the user.

6. The system of claim 1, wherein the payment code is used to make a payment over the phone or by mail.

7. The system of claim 1, wherein the one or more processors is further operable to transmit rewards, points, discounts, offers, coupons, gift cards, or other merchant specific offers to the merchant.

8. The system of claim 1, wherein the one or more processors is further operable to use the payment code to identify the user when the user picks up an item at a physical store and/or return a picture of the user for secondary authentication at a point of sale.

9. A method for facilitating payment with a mobile device, comprising:

detecting a location of the mobile device;

receiving, by one or more hardware processors of a service provider, identifying information from a user through the mobile device, when the mobile device is near at least one merchant without a request from the user;

generating, by the one or more hardware processors, a payment code without a request from the user;

transmitting, by the one or more hardware processors, the payment code to the mobile device;

receiving, by the one or more hardware processors, the payment code and a payment request from a merchant; and

processing, by the one or more hardware processors, the payment request.

10. The method of claim 9, wherein the payment code comprises an access code or a QR code.

11. The method of claim 9, wherein the payment code is time-sensitive, for one-time use, location specific, or a combination thereof.

12. The method of claim 9, wherein the payment code is associated with a specific transaction.

13. The method of claim 9, further comprising determining information about the user'"'"'s location from the mobile device.

14. The method of claim 9, further comprising transmitting a one-time notification from the merchant to the user.

15. The method of claim 9, wherein the payment code is used to make a payment over the phone or by mail.

16. A non-transitory machine-readable medium comprising 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:

detecting a location of a mobile device;

receiving identifying information from a user through the mobile device when the mobile device is near at least one merchant without a request from the user;

generating a payment code without a request from the user;

transmitting the payment code to the mobile device;

receiving the payment code and a payment request from a merchant; and

processing the payment request.

17. The non-transitory machine-readable medium of claim 16, wherein the payment code is time-sensitive, for one-time use, location specific, or a combination thereof.

18. The non-transitory machine-readable medium of claim 16, wherein the method further comprises determining information about the user'"'"'s location from the mobile device.

19. The non-transitory machine-readable medium of claim 16, wherein the method further comprises transmitting rewards, points, discounts, offers, coupons, gift cards, or other merchant specific offers to the merchant.

20. The non-transitory machine-readable medium of claim 19, wherein the method further comprises processing the payment after the rewards, points, discounts, offers, coupons, gift cards, or other merchant specific offers are applied.