DONGLE FACILITATED WIRELESS CONSUMER PAYMENTS

• US 20150248667A1
• Filed: 02/23/2015
• Published: 09/03/2015
• Est. Priority Date: 12/31/2012
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Govindarajan, Satish Narayan, Granbery, John Hastings
• Granted Patent: US 9,471,917 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• 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 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: H04L 49/201 Multicast operation; Broadcast operation
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
• 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 88/02 Terminal devices

Abstract

Computing systems and methods for facilitating consumer transactions in retail and other establishments include communication interfaces adapted to couple a computing system to a plurality of third party mobile electronic devices, storage components adapted to store user information, participating merchant information, or any combination thereof, and processors in communication with the communication interfaces and storage components. The processors are adapted to facilitate automatic wireless transactions between third party users of the third party mobile electronic devices and the participating merchants when the third party devices are present at the participating merchants without any affirmative activity by the third party users.

Claims

1-8. -8. (canceled)

9. A server comprising:

one or more storage components storing user information, participating merchant information, or any combination thereof;

one or more communication interfaces; and

one or more processors coupled to the storage components and the communication interfaces;

wherein the one or more processors;

receive, via the communications interfaces, a check in request for a purchaser device, the check in request occurring as a result of a wireless exchange using a Bluetooth low energy (BLE) protocol between the purchaser device and a beacon while the purchaser device is in proximity to the beacon and without requiring affirmative action by a user on the purchaser device;

authenticate the purchaser device based on the check in request; and

cause, based on the authenticating of the purchaser device, a purchase transaction to be automatically performed without requiring affirmative action by the user on the purchaser device while the purchaser device is in proximity to the beacon.

10. The server of claim 9, wherein the beacon is installed at a merchant location.

11. The server of claim 9, wherein the beacon is installed at a check-out terminal in a merchant location.

12. The server of claim 9, wherein the beacon comprises a Universal Serial Bus (USB) connection configured to pivot, slide, or swivel to facilitate installation of the beacon and to provide power to the beacon.

13. The server of claim 9, wherein the beacon comprises a battery for powering the beacon.

14. The server of claim 9, wherein the check-in request comprises an encrypted value.

15. The server of claim 14, wherein the encrypted value comprises a beacon token value and a user token value encrypted using a private key associated with the purchaser device.

16. The server of claim 15, wherein the one or more processors decrypt the encrypted value to authenticate the beacon and the purchaser device.

17. The server of claim 14, wherein the beacon token value is a one-time use value.

18. The server of claim 9, wherein the one or more processors provide, via the communication interface, a token to be transmitted via the beacon to the purchaser device based on the check-in request, the token being used to perform a purchase transaction.

19. A method of performing a purchase transaction, the method comprising:

receiving, by a server, a check in request for a purchaser device, the check in request occurring as a result of a wireless exchange using a Bluetooth low energy (BLE) protocol between the purchaser device and a beacon while the purchaser device is in proximity to the beacon and without requiring affirmative action by a user on the purchaser device; and

authenticating, by the server, the purchaser device based on the check in request; and

causing, based on the authenticating of the purchaser device, the purchase transaction to be automatically performed without requiring affirmative action by the user on the purchaser device while the purchaser device is in proximity to the beacon.

20. The method of claim 19, wherein the beacon is installed at a merchant location.

21. The method of claim 19, wherein the beacon comprises a Universal Serial Bus (USB) connection configured to pivot, slide, or swivel to facilitate installation of the beacon and to provide power to the beacon.

22. The method of claim 19, wherein the check-in request comprises an encrypted value comprising a beacon token value and a user token value encrypted using a private key associated with the purchaser device.

23. The method of claim 22, wherein authenticating the purchaser device comprises:

decrypting the encrypted value to extract the user token value; and

authenticating the purchaser device based on the user token value.

24. The method of claim 22, further comprising:

decrypting the encrypted value to extract the beacon token value; and

authenticating the beacon based on the beacon token value.

25. The method of claim 19, further comprising providing, by the server, a token to be transmitted via the beacon to the purchaser device based on the check in request, wherein the token is used to perform the purchase transaction.

26. A non-transitory medium having a plurality of machine-readable instructions which, when executed by one or more processors, cause the processors to perform a method comprising:

receiving, via a communication interface, a check in request for a purchaser device, the check in request occurring as a result of a wireless exchange using a Bluetooth low energy (BLE) protocol between the purchaser device and a beacon while the purchaser device is in proximity to the beacon and without requiring affirmative action by a user on the purchaser device; and

authenticating the purchaser device based on the check in request; and

causing, based on the authenticating of the purchaser device, the purchase transaction to be automatically performed without requiring affirmative action by the user on the purchaser device while the purchaser device is in proximity to the beacon.

27. The non-transitory medium of claim 26, wherein:

the check-in request comprises an encrypted value comprising a user token value encrypted using a private key associated with the purchaser device; and

authenticating the purchaser device comprises;

decrypting the encrypted value to extract the user token value; and

authenticating the purchaser device based on the user token value.

28. The non-transitory medium of claim 26, wherein:

the check-in request comprises an encrypted value comprising a beacon token value encrypted using a private key associated with the purchaser device; and

the method further comprises;

decrypting the encrypted value to extract the beacon token value; and

authenticating the beacon based on the beacon token value.