User profile and geolocation for efficient transactions
First Claim
1. A method comprising:
- under control of one or more computer systems configured with executable instructions,associating user information with a mobile device, wherein the user information comprises payment information and preference information identifying a good or service available for purchase at a merchant;
determining, by the one or more computer systems, a location of the mobile device;
correlating the location with the merchant;
determining, based at least in part on the determined location of the mobile device, that the mobile device is located within a threshold distance of the merchant; and
automatically completing a transaction between a user of the mobile device and the merchant at least partly in response to the determining, wherein the transaction comprises purchasing the good or service identified by the preference information by providing the payment information to the merchant without direct interaction between the user and the mobile device at the location of the merchant.
1 Assignment
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Accused Products
Abstract
Techniques for providing friction-free transactions using geolocation and user identifiers are described herein. These techniques may ascertain a user'"'"'s location based on a location of a mobile device. A transaction between the user and a merchant may be completed with zero or minimal input from the user based on the geolocation of the mobile device and the user identifiers. In some implementations, a transaction initiated earlier is completed when the mobile device arrives at the merchant. Additionally, a parent-child or similar relationship may be established between multiple devices. Security on the mobile device based may be provided by biometric identification and calculation of variance from regular movement patterns. Advertisements may be sent to the mobile device based on bids from merchants near to the mobile device. Promotions may be sent to the mobile device when more than a threshold number of mobile devices are located at the same merchant.
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Citations
22 Claims
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1. A method comprising:
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under control of one or more computer systems configured with executable instructions, associating user information with a mobile device, wherein the user information comprises payment information and preference information identifying a good or service available for purchase at a merchant; determining, by the one or more computer systems, a location of the mobile device; correlating the location with the merchant; determining, based at least in part on the determined location of the mobile device, that the mobile device is located within a threshold distance of the merchant; and automatically completing a transaction between a user of the mobile device and the merchant at least partly in response to the determining, wherein the transaction comprises purchasing the good or service identified by the preference information by providing the payment information to the merchant without direct interaction between the user and the mobile device at the location of the merchant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method comprising:
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under control of one or more computer systems configured with executable instructions, associating user information with a mobile device with a user identifier, wherein the user information comprises at least payment information associated with the user and preference information identifying a good or service desired by the user from a merchant; determining, by the one or more computer systems, a location of the mobile device; correlating the location with the merchant; determining, based at least in part on the determined location of the mobile device, that the mobile device is located within the merchant; and completing a transaction between a user of the mobile device and the merchant, the transaction purchasing the good or service specified in the preference information of the user, being paid for by providing the payment information to the merchant, and occurring at least partly in response to determining that the mobile device is located within the merchant and without direct interaction between the user and the mobile device. - View Dependent Claims (15, 16, 17, 18)
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19. One or more computer-readable storage media storing computer-executable instructions that, when executed by one or more processors, instruct a computing device to perform acts comprising:
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associating user information with a mobile device, wherein the user information comprises payment information and preference information identifying a good or service desired by the user from a merchant; determining a location of the mobile device; comparing the location of the mobile device with one or more merchant locations stored in a map of merchant locations; determining, based at least in part on the comparing, that the mobile device is located at the merchant or within a threshold distance of the merchant; and when the mobile device is located at or within a threshold distance of the merchant, automatically purchasing the good or service identified by the preference information by authorizing the merchant to charge a payment instrument identified in the payment information and instructing the merchant to automatically complete a transaction with the user without direct interaction between the user and the mobile device. - View Dependent Claims (20, 21, 22)
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Specification