PAYMENT APPLICATION WITH MERCHANT PHYSICAL LOCATION PERSONALIZATION

• US 20150066742A1
• Filed: 08/30/2013
• Published: 03/05/2015
• Est. Priority Date: 08/30/2013
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Chatterton, Geoffrey W., Khanna, Ramaneek, Nichols, Tim, Good, David
• Application Number:
  US14/015,010
• Publication Number:
  US 20150066742A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: H04W 4/023 using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds
• CPC Class Codes: H04W 4/33 for indoor environments, e.g. buildings

Abstract

Systems and methods for providing a payment application personalized for a merchant physical location include receiving a first customer location from a first customer device that is running a payment application. A first merchant physical location is then determined to be associated with the first customer location and, in response, first merchant physical location personalization information is retrieved. The first merchant physical location personalization information is then provided for display as a user interface on at least one personalized merchant physical location screen that is provided on the first customer device using the payment application. The at least one personalized merchant physical location screen is configured to send an instruction to the payment application provider device to make a payment from a first customer account associated with the first customer to a first merchant account associated with the first merchant physical location.

Claims

1. A system, comprising:

a non-transitory memory storing respective merchant physical location personalization information and a respective merchant account for each of a plurality of merchant physical locations, and storing a respective customer account for each of a plurality of customers; and

one or more hardware processors coupled to the memory and configured to read instructions from the memory to perform the steps of;

receiving over a network from a first customer device of a first customer of the plurality of customers, a first customer location wherein the first customer device is providing a payment application;

determining a first merchant physical location that is within a predetermined distance of the first customer location and, in response, retrieving first merchant physical location personalization information for the first merchant physical location from the non-transitory memory;

using the first merchant physical location personalization information to provide over the network to the first customer device, at least one personalized merchant physical location screen on the payment application that is branded for the first merchant physical location, wherein the at least one personalized merchant physical location screen is configured to send an instruction to make a payment from a first customer account of the first customer that is stored in the non-transitory memory to a first merchant account of the first merchant physical location that is stored in the non-transitory memory.

2. The system of claim 1, wherein the one or more hardware processors are configured to read instructions from the memory to perform the steps of:

receiving over the network, the first merchant physical location personalization information from a first merchant device associated with the first merchant physical location.

3. The system of claim 1, wherein the one or more processors are configured to read instructions from the memory to perform the steps of:

receiving over the network, at least one command to access a payment application provider database to provide customer specific information on the at least one personalized merchant physical location screen.

4. The system of claim 3, wherein the one or more processors are configured to read instructions from the memory to perform the steps of:

retrieving customer specific information for the first customer from the payment application provider database; and

providing over the network for display on the first customer device, the customer specific information for the first customer on the at least one personalized merchant physical location screen.

5. The system of claim 1, wherein the first merchant physical location personalization information includes data describing a color scheme that is used in branding the at least one personalized merchant physical location screen for the first merchant physical location, wherein the data describing the color scheme is received by the payment application provider device from a first merchant device associated with the first merchant physical location in the non-transitory memory.

6. The system of claim 1, wherein the first merchant physical location personalization information includes a data describing a background and at least one image that are used in branding the at least one personalized merchant physical location screen for the first merchant physical location, wherein the data describing the background and the at least one image is received by the payment application provider device from a first merchant device associated with the first merchant physical location in the non-transitory memory and that is accessible by the payment application provider device over the network.

7. A method for providing a payment application personalized for a merchant physical location, comprising:

receiving, by a payment application provider device, a customer location over a network from a customer device that is running a payment application;

determining, by the payment application provider device, a merchant physical location that is co-located with the customer location and, in response, retrieving by the payment application provider device, merchant physical location personalization information for the merchant physical location;

using the merchant physical location personalization information to provide, by the payment application provider device over the network to the customer device, at least one personalized merchant physical location screen on the payment application that is branded for the merchant physical location, wherein the at least one personalized merchant physical location screen is configured to send an instruction to the payment application provider device to make a payment from a customer account that is linked with the customer device to a merchant account that is linked with the merchant physical location.

8. The method of claim 7, further comprising:

receiving, by the payment application provider device over the network, the merchant physical location personalization information from a merchant device associated with the merchant physical location.

9. The method of claim 7, further comprising:

receiving, by the payment application provider device over the network, instructions to access a payment application provider database to provide customer specific information on the at least one personalized merchant physical location screen.

10. The method of claim 9, further comprising:

retrieving, by the payment application provider device, customer specific information that is associated with the customer in a payment application provider database; and

providing, by the payment application provider device over the network for display on the customer device, the customer specific information for the customer on the at least one personalized merchant physical location screen.

11. The method of claim 7, wherein the merchant physical location personalization information includes data describing a color scheme that is used in branding the at least one personalized merchant physical location screen for the merchant physical location, wherein the data describing the color scheme is received by the payment application provider device from a merchant device associated with the merchant physical location.

12. The method of claim 7, wherein the merchant physical location personalization information includes data describing a background and at least one image that are used in branding the at least one personalized merchant physical location screen for the merchant physical location, wherein the data describing the background and the at least one image is received by the payment application provider device from a merchant device associated with the merchant physical location and that is accessible by the payment application provider device over the network.

13. The method of claim 7, further comprising:

receiving, by the payment application provider device over the network, instructions to access a merchant database to provide customer specific information on the at least one personalized merchant physical location screen;

retrieving, by the payment application provider device over the network, customer specific information that is associated with the customer in the merchant database; and

providing, by the payment application provider device over the network for display on the customer device, the customer specific information for the first customer on the at least one personalized merchant physical location screen.

14. 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, by a payment application provider device, a customer location over a network from a customer device of a customer that is providing a payment application;

determining, by the payment application provider device, a merchant physical location that overlaps with the first customer location and, in response, retrieving, by the payment application provider device, merchant physical location personalization information for the first merchant physical location from a database;

using the first merchant physical location personalization information to provide, by the payment application provider device over the network to the customer device, at least one personalized merchant physical location screen on the payment application that is branded for the merchant physical location, wherein the at least one personalized merchant physical location screen is configured to send an instruction to the payment application provider device to make a payment from a customer account of the first customer to a first merchant account of the first merchant physical location.

15. The non-transitory machine-readable medium of claim 14, wherein the method further comprises:

receiving, by the payment application provider device over the network, the merchant physical location personalization information from a merchant device associated with the first merchant physical location.

16. The non-transitory machine-readable medium of claim 14, wherein the method further comprises:

receiving, by the payment application provider device over the network, instructions to access a payment application provider database to provide customer specific information on the at least one personalized merchant physical location screen.

17. The non-transitory machine-readable medium of claim 16, wherein the method further comprises:

retrieving, by the payment application provider device, customer specific information that is associated with the customer in a payment application provider database; and

providing, by the payment application provider device over the network for display on the customer device, the customer specific information for the customer on the at least one personalized merchant physical location screen.

18. The non-transitory machine-readable medium of claim 14, wherein the first merchant physical location personalization information includes data describing a color scheme that is used in branding the at least one personalized merchant physical location screen for the merchant physical location, wherein the data describing the color scheme is received by the payment application provider device from a merchant device associated with the first merchant physical location in the database.

19. The non-transitory machine-readable medium of claim 14, wherein the first merchant physical location personalization information includes data describing a background and at least one image that are used in branding the at least one personalized merchant physical location screen for the merchant physical location, wherein the data describing the background and the at least one image is received by the payment application provider device from a first merchant device associated with the first merchant physical location in the database and that is accessible by the payment application provider device over the network.

20. The non-transitory machine-readable medium of claim 14, wherein the method further comprises:

receiving, by the payment application provider device over the network, instructions to access a merchant database to provide customer specific information on the at least one personalized merchant physical location screen;

retrieving, by the payment application provider device over the network, customer specific information that is associated with the customer in the merchant database; and

providing, by the payment application provider device over the network for display on the customer device, the customer specific information for the customer on the at least one personalized merchant physical location screen.