Cardless Payment Transactions Based on Geographic Locations of User Devices
2 Assignments
0 Petitions
Accused Products
Abstract
Techniques directed to performing a cardless payment transaction based on a geographic location of a mobile device are described. The techniques may include performing some operations while a user application is running in a foreground on a mobile device and performing other operations while the user application is running in a background. For example, while the user application is running in a foreground, a user interface may be displayed with a list of merchants that are proximate to the mobile device. User input may be received to enable automatic check-in with a merchant While the user application is running in a background, it may be determined that the mobile device is within a particular distance to the merchant and an indication may be sent to carry out a cardless payment transaction with the merchant.
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Citations
40 Claims
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1-20. -20. (canceled)
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21. A method comprising:
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receiving, by an application that facilitates cardless payment transactions, a current geographical location of a mobile device running the application; while the application is running in a foreground on the mobile device; displaying, by the application, a user interface including a list of merchants on a display of the mobile device, wherein the list of merchants includes merchants that are proximate to the mobile device based on the current geographical location of the mobile device; and receiving, by the application, user input via the user interface; and
while the application is running in a background on the mobile device;determining, by the application, that the current geographical location of the mobile device is within a predetermined distance to a current geographical location of a merchant; and sending, by the application, an indication for the merchant to carry out a cardless payment transaction via a point of sale terminal. - View Dependent Claims (22, 23, 24, 25, 26, 27)
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28. A mobile device comprising:
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one or more processors; and a user application executable by the one or more processors to perform operations comprising; determining a current location of the mobile device; and while the user application is running in a background on the mobile device; determining that the current location of the mobile device is within a predetermined distance to a location of a merchant; and based at least in part on determining that the current location of the mobile device is within the predetermined distance to the location of the merchant, sending an indication for the merchant to carry out a cardless payment transaction via a point of sale terminal. - View Dependent Claims (29, 30, 31, 32, 33)
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34. One or more non-transitory computer-readable media having instructions stored thereon, which, when executed by one or more processors, cause the one or more processors to perform operations comprising:
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displaying, via a display of a mobile device, a user interface associated with a payment application; receiving user input via the user interface; enabling automatic check-in with a merchant at least partly in response to receiving the user input; determining a current location of the mobile device; and without displaying the user interface via the display of the mobile device; determining that the current location of the mobile device is within a geofence around a location of the merchant; and sending an indication of consent to perform a cardless payment transaction. - View Dependent Claims (35, 36, 37, 38, 39, 40)
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Specification