CODES WITH USER PREFERENCES
First Claim
Patent Images
1. A system, comprising:
- a memory device storing user financial account information and user preferences; and
one or more processors in communication with the memory device and operable to;
receive a payment request at a merchant location;
determine at least one user preference based on the payment request; and
generate a code containing the at least one user preference for use by a merchant during checkout.
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Abstract
Systems and methods for facilitating payment at checkout are described. A service provider collects and stores user preference information in advance of checkout. When the user is ready to pay, a code containing the user preferences is generated and presented to a merchant during checkout. User preferences can be matched to a merchant data request once the merchant is identified. Specific user preferences for specific merchants can also be stored and retrieved.
64 Citations
20 Claims
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1. A system, comprising:
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a memory device storing user financial account information and user preferences; and one or more processors in communication with the memory device and operable to; receive a payment request at a merchant location; determine at least one user preference based on the payment request; and generate a code containing the at least one user preference for use by a merchant during checkout. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method of facilitating payments at checkout, comprising:
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receiving, by one or more hardware processors of a service provider, a payment request at a merchant location; determining at least one user preference based on the payment request; and generating a code containing the at least one user preference for use by a merchant during checkout. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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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:
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receiving a payment request at a merchant location; determining at least one user preference based on the payment request; and generating a code containing the at least one user preference for use by a merchant during checkout. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification