User profile and geolocation for efficient transactions
First Claim
1. A computing device comprising:
- one or more processors; and
a memory coupled to the one or more processors, the memory comprising;
a plurality of user profiles each associated with a respective user identifier and a respective mobile device;
a plurality of merchant profiles, each associated with a one or more geolocations; and
a transaction module configured to facilitate a transaction at the geolocation of a merchant between a user of a mobile device and the merchant when a geolocation of the mobile device is within a threshold distance of the geolocation of the merchant and a user profile of the user indicates that the merchant is a trusted merchant for the user, wherein trusted merchants are authorized to implement a default transaction with the user, the default transaction comprises purchasing a good or service by providing payment information associated with the user profile of the user to the merchant, wherein the payment information is specified in advance by the user.
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
19 Claims
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1. A computing device comprising:
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one or more processors; and a memory coupled to the one or more processors, the memory comprising; a plurality of user profiles each associated with a respective user identifier and a respective mobile device; a plurality of merchant profiles, each associated with a one or more geolocations; and a transaction module configured to facilitate a transaction at the geolocation of a merchant between a user of a mobile device and the merchant when a geolocation of the mobile device is within a threshold distance of the geolocation of the merchant and a user profile of the user indicates that the merchant is a trusted merchant for the user, wherein trusted merchants are authorized to implement a default transaction with the user, the default transaction comprises purchasing a good or service by providing payment information associated with the user profile of the user to the merchant, wherein the payment information is specified in advance by the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A mobile device comprising:
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one or more processors; a location sensor coupled to the one or more processors; a wireless network interface coupled to the one or more processors; and a memory coupled to the one or more processors, the memory comprising; a user identification module correlated with user information comprising payment information and trust levels for one or more merchants, the user information available on a network accessed by the wireless network interface; and a transaction module configured to interpret data from the location sensor, to recognize when the mobile device is present within a predetermined proximity of a merchant of the one or more merchants, and, based at least in part on recognizing that the mobile device is present within the predetermined proximity of the merchant and in response to user interaction with the mobile device, an amount of the user interaction being based at least in part on the trust level for the merchant using the payment information. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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Specification