EXPRESS TRANSACTIONS ON A MOBILE DEVICE

• US 20150006385A1
• Filed: 06/28/2013
• Published: 01/01/2015
• Est. Priority Date: 06/28/2013
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Shah, Tejas Arvindbhai
• Application Number:
  US13/931,672
• Publication Number:
  US 20150006385A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks

Abstract

Methods and systems for facilitating express transactions, such as authentication and/or payment, on a mobile device are described. The methods include receiving an authentication request or payment request, receiving user input at a touch screen of a mobile device, comparing the user input to a gesture for authentication for login, or authentication and authorization of payment for a known user, and processing the authentication request or payment request if the user input matches the gesture.

Claims

1. A system, comprising:

a memory device storing user account information, wherein the user account information comprises a known user'"'"'s gesture for authentication and authorization of payment, and/or authentication for login; and

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

receive an authentication request or payment request;

receive user input at a touch screen of a mobile device;

compare the user input to the gesture of a known user; and

process the authentication request or payment request if the user input matches the gesture.

2. The system of claim 1, wherein the gesture comprises hand drawn patterns, pictures, letters, numbers, shapes, symbols, or a combination thereof.

3. The system of claim 2, wherein the gesture comprises a series of multiple gestures.

4. The system of claim 1, wherein the payment request must be received within a predetermined amount of time.

5. The system of claim 4, wherein the predetermined amount of time is about 30 seconds to about 10 minutes from a time express payment is enabled.

6. The system of claim 1, wherein the one or more processors is further operable to reject the authentication request or payment request if the user input does not match the gesture.

7. The system of claim 1, wherein the one or more processors is further operable to process the authentication request or payment request without additional action from the user.

8. A method for facilitating express transactions on a mobile device, comprising:

receiving, by one or more hardware processors of a service provider, an authentication request or payment request;

receiving user input at a touch screen of a mobile device;

comparing the user input to a gesture for authentication of login for a known user, or authentication and authorization of payment for a known user; and

processing the authorization request or payment request if the user input matches the gesture.

9. The method of claim 8, further comprising:

receiving a known user'"'"'s gesture for authentication of login, or authentication and authorization of payment;

storing the gesture; and

associating the gesture with the known user.

10. The method of claim 8, wherein the gesture comprises hand drawn patterns, pictures, letters, numbers, shapes, symbols, or a combination thereof.

11. The method of claim 10, wherein the gesture comprises a series of multiple gestures.

12. The method of claim 8, wherein the payment request must be received within a predetermined amount of time.

13. The method of claim 8, further comprising rejecting the authentication request or payment request if the user input and gesture do not match.

14. The method of claim 8, wherein the authentication request or payment request is processed without additional action from the user.

15. 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:

receiving a known user'"'"'s gesture for authentication of login, or authentication and authorization of payment;

storing the gesture;

associating the gesture with the known user;

receiving an authentication request or payment request;

receiving user input at a touch screen of a mobile device;

comparing the user input to a gesture of a known user; and

processing the authentication request or payment request if the user input matches the gesture.

16. The non-transitory machine-readable medium of claim 15, wherein the gesture comprises hand drawn patterns, pictures, letters, numbers, shapes, symbols, or a combination thereof.

17. The non-transitory machine-readable medium of claim 16, wherein the gesture comprises a series of multiple gestures.

18. The non-transitory machine-readable medium of claim 15, wherein the payment request must be received within a predetermined amount of time.

19. The non-transitory machine-readable medium of claim 15, wherein the method further comprises rejecting the authentication request or payment request if the user input and gesture do not match.

20. The non-transitory machine-readable medium of claim 15, wherein the authentication request or payment request is processed without additional action from the user.