MOBILE PAYMENTS USING PROXIMITY-BASED PEER-TO-PEER COMMUNICATION AND AN INTENT-TO-PAY GESTURE

• US 20150019432A1
• Filed: 07/09/2014
• Published: 01/15/2015
• Est. Priority Date: 07/12/2013
• Status: Active Application

• Current Assignee: Qualcomm, Inc.
• Original Assignee: Qualcomm, Inc.
• Inventors: BURNS, Gregory
• Application Number:
  US14/327,322
• Publication Number:
  US 20150019432A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3272 using an audio code
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

The disclosure generally relates to mobile payments using proximity-based peer-to-peer (P2P) communication and an intent-to-pay gesture. In particular, a mobile device may detect a distinctive intent-to-pay gesture from one or more signals generated with one or more sensors on the mobile device. For example, the signals may indicate that the mobile device was gestured against a passive target that may resonate to indicate that the intent-to-pay gesture was made. The mobile device may then receive transaction details over a proximal P2P connection in response to detecting the intent-to-pay gesture and send a message over the proximal P2P connection to complete the mobile payment in response to receiving an input confirming the transaction details. Furthermore, the passive target may be constructed to produce a distinct resonant response that can be used to identify the passive target (e.g., using a microphone on the mobile device).

Claims

1. A method for making a mobile payment, comprising:

detecting, on a mobile device, an intent-to-pay gesture indicating that the mobile device was gestured against a passive target lacking a communication interface based on one or more signals generated with one or more sensors on the mobile device;

receiving transaction details at the mobile device over a proximal peer-to-peer connection in response to detecting the intent-to-pay gesture; and

sending a message over the proximal peer-to-peer connection to complete the mobile payment in response to an input confirming the transaction details.

2. The method recited in claim 1, wherein the passive target has a construction that causes the passive target to resonate when the intent-to-pay gesture is made against the passive target such that the one or more signals indicate the intent-to-pay gesture.

3. The method recited in claim 1, wherein the passive target has a resonant cavity that produces a distinct resonant response.

4. The method recited in claim 3, further comprising:

identifying the passive target against which the mobile device was gestured based on the distinct resonant response.

5. The method recited in claim 4, wherein identifying the passive target comprises:

temporarily activating a microphone on the mobile device to capture the distinct resonant response in response to detecting the intent-to-pay gesture.

6. The method recited in claim 1, wherein the intent-to-pay gesture comprises a distinctive motion that indicates intent-to-transact.

7. The method recited in claim 6, further comprising:

capturing information printed on the passive target using a camera on the mobile device; and

confirming the intent-to-transact in response to a size of the printed information within the camera frame indicating that the mobile device is within a predefined proximity to a point-of-sale.

8. The method recited in claim 6, further comprising:

determining a focal point associated with a camera on the mobile device; and

confirming the intent-to-transact in response to determining that the camera focal point corresponds to a point-of-sale located in proximity to the mobile device.

9. The method recited in claim 1, further comprising:

requesting the transaction details from a point-of-sale terminal over the proximal peer-to-peer connection in response to detecting the intent-to-pay gesture; and

displaying the transaction details and a transaction confirmation request on the mobile device in response to receiving the transaction details, wherein the transaction details indicate one or more of itemized goods or services associated with the mobile payment, costs associated with the itemized goods or services, or information to identify the transaction.

10. A mobile device, comprising:

one or more sensors configured to generate one or more signals indicating that the mobile device was gestured against a passive target lacking a communication interface;

one or more processors configured to detect an intent-to-pay gesture based on the one or more signals that the one or more sensors generated; and

a network interface configured to receive transaction details over a proximal peer-to-peer connection in response to the intent-to-pay gesture and to send a message over the proximal peer-to-peer connection to complete a mobile payment in response to an input confirming the transaction details.

11. The mobile device recited in claim 10, wherein the passive target has a construction that causes the passive target to resonate when the intent-to-pay gesture is made against the passive target such that the one or more signals indicate the intent-to-pay gesture.

12. The mobile device recited in claim 10, wherein the passive target has a resonant cavity that produces a distinct resonant response.

13. The mobile device recited in claim 12, wherein the one or more processors are further configured to identify the passive target against which the mobile device was gestured based on the distinct resonant response.

14. The mobile device recited in claim 13, further comprising:

a microphone configured to capture the distinct resonant response, wherein the one or more processors are further configured to temporarily activate the microphone in response to detecting the intent-to-pay gesture.

15. The mobile device recited in claim 10, wherein the intent-to-pay gesture comprises a distinctive motion that indicates intent-to-transact.

16. The mobile device recited in claim 15, further comprising:

a camera configured to capture information printed on the passive target, wherein the one or more processors are further configured to confirm the intent-to-transact in response to the printed information having a size within the camera frame that indicates a predefined proximity between the mobile device and a point-of-sale.

17. The mobile device recited in claim 15, further comprising:

a camera having a focal point, wherein the one or more processors are further configured to determine the focal point associated with the camera and confirm the intent-to-transact in response to the camera focal point corresponding to a point-of-sale located in proximity to the mobile device.

18. The mobile device recited in claim 10, further comprising:

a user interface configured to display the transaction details and a transaction confirmation request in response to the network interface receiving the transaction details, wherein the transaction details indicate one or more of itemized goods or services associated with the mobile payment, costs associated with the itemized goods or services, or information to identify the transaction.

19. An apparatus, comprising:

means for detecting an intent-to-pay gesture indicating that the apparatus was gestured against a passive target lacking a communication interface;

means for receiving transaction details over a proximal peer-to-peer connection in response to the intent-to-pay gesture; and

means for sending a message over the proximal peer-to-peer connection to complete a mobile payment in response to an input confirming the transaction details.

20. The apparatus recited in claim 19, further comprising:

means for capturing a distinct resonant response produced by the passive target; and

means for identifying the passive target against which the apparatus was gestured based on the captured distinct resonant response.

21. The apparatus recited in claim 19, further comprising:

means for capturing information printed on the passive target; and

means for confirming that the intent-to-pay gesture indicates an intent-to-transact in response to the captured printed information indicating a predefined proximity to a point-of-sale.

22. The apparatus recited in claim 19, further comprising:

means for determining whether the intent-to-pay gesture indicates an intent-to-transact based on a proximity to a point-of-sale.

23. The apparatus recited in claim 19, further comprising:

means for requesting the transaction details from a point-of-sale terminal over the proximal peer-to-peer connection in response to detecting the intent-to-pay gesture; and

means for displaying the transaction details and a transaction confirmation request in response to receiving the transaction details, wherein the transaction details indicate one or more of itemized goods or services associated with the mobile payment, costs associated with the itemized goods or services, or information to identify the transaction.

24. A computer-readable storage medium having computer-executable instructions recorded thereon, wherein executing the computer-executable instructions on a mobile device causes the mobile device to:

detect an intent-to-pay gesture indicating that the mobile device was gestured against a passive target lacking a communication interface based on one or more signals generated with one or more sensors on the mobile device;

receive transaction details at the mobile device over a proximal peer-to-peer connection in response to detecting the intent-to-pay gesture; and

send a message over the proximal peer-to-peer connection to complete a mobile payment in response to an input confirming the transaction details.

25. A method for making a mobile payment, comprising:

detecting, on a mobile device, an intent-to-transact based on information captured using a camera on the mobile device;

receiving transaction details at the mobile device over a proximal peer-to-peer connection in response to detecting the intent-to-transact; and

sending a message over the proximal peer-to-peer connection to complete the mobile payment in response to an input confirming the transaction details.

26. The method recited in claim 25, wherein detecting the intent-to-transact comprises:

capturing printed information located at a point-of-sale using the camera; and

detecting the intent-to-transact based on the printed information having a size within the camera frame indicating that the mobile device is located within a predefined proximity to the point-of-sale.

27. The method recited in claim 25, wherein detecting the intent-to-transact comprises:

determining a focal point associated with the camera; and

detecting the intent-to-transact in response to determining that the camera focal point corresponds to a point-of-sale.

28. A mobile device, comprising:

a camera;

one or more processors configured to detect an intent-to-transact based on information captured using the camera; and

a network interface configured to receive transaction details over a proximal peer-to-peer connection in response to the one or more processors detecting the intent-to-transact and to send a message over the proximal peer-to-peer connection to complete a mobile payment in response to an input confirming the transaction details.

29. The mobile device recited in claim 28, wherein the camera is configured to capture printed information located at a point-of-sale, and wherein the one or more processors are further configured to detect the intent-to-transact based on the printed information having a size within the camera frame indicating a predefined proximity to the point-of-sale.

30. The mobile device recited in claim 28, wherein the one or more processors are further configured to determine a focal point associated with the camera and detect the intent-to-transact in response to determining that the camera focal point corresponds to a point-of-sale.

31. An apparatus, comprising:

means for detecting an intent-to-transact based on information captured using a camera;

means for receiving transaction details over a proximal peer-to-peer connection in response to detecting the intent-to-transact; and

means for sending a message over the proximal peer-to-peer connection to complete a mobile payment in response to an input confirming the transaction details.

32. The apparatus recited in claim 31, wherein the information captured using the camera comprises printed information located at a point-of-sale, and wherein the means for detecting the intent-to-transact is configured to detect the intent-to-transact based on the printed information having a size within the camera frame indicating a predefined proximity to the point-of-sale.

33. The apparatus recited in claim 31, wherein the information captured using the camera comprises a focal point associated with the camera and wherein the means for detecting the intent-to-transact is configured to detect the intent-to-transact in response to determining that the camera focal point corresponds to a point-of-sale.

34. A computer-readable storage medium having computer-executable instructions recorded thereon, wherein executing the computer-executable instructions on a mobile device causes the mobile device to:

detect an intent-to-transact based on information captured using a camera;

receive transaction details over a proximal peer-to-peer connection in response to detecting the intent-to-transact; and

send a message over the proximal peer-to-peer connection to complete a mobile payment in response to an input confirming the transaction details.