Location aware requests
First Claim
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1. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, perform acts comprising:
- receiving, from a first mobile device associated with a first account, a request for payment from one or more other accounts associated with respective other mobile devices that are within a specified proximity of the first mobile device;
receiving location information that indicates a location of the first mobile device;
determining which of the other mobile devices are within the specified proximity of the first mobile device based at least in part on the received location information;
identifying historical data that indicates an extent to which the first mobile device and the other mobile devices have been in proximity to one another; and
forwarding the request for payment to the mobile devices that are determined to be within the specified proximity of the first mobile device and based at least in part on the historical data.
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Abstract
A mobile payment network receives a payment request from a first user operating a first mobile device and identifies recipients of the payment request based at least in part on the proximity of other mobile devices to the first mobile device.
74 Citations
28 Claims
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1. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, perform acts comprising:
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receiving, from a first mobile device associated with a first account, a request for payment from one or more other accounts associated with respective other mobile devices that are within a specified proximity of the first mobile device; receiving location information that indicates a location of the first mobile device; determining which of the other mobile devices are within the specified proximity of the first mobile device based at least in part on the received location information; identifying historical data that indicates an extent to which the first mobile device and the other mobile devices have been in proximity to one another; and forwarding the request for payment to the mobile devices that are determined to be within the specified proximity of the first mobile device and based at least in part on the historical data. - View Dependent Claims (2, 3, 4, 5, 6)
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7. One or more computing devices comprising:
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one or more processors; and one or more non-transitory computer-readable media storing computer-executable instructions that, when executed on the one or more processors, perform acts comprising; receiving, from a first mobile device associated with a first account, a request for payment from one or more other accounts associated with respective other mobile devices that are within a specified proximity of the first mobile device; receiving location information that indicates a location of the first mobile device; determining which of the other mobile devices are within the specified proximity of the first mobile device based at least in part on the received location information; identifying historical data that indicates an extent to which the first mobile device and the other mobile devices have been in proximity to one another; and forwarding the request for payment to the mobile devices that are determined to be within the specified proximity of the first mobile device and based at least in part on the historical data.
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8. A method comprising:
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receiving, from a first mobile device associated with a first user account, a request for payment from a second user account associated with a second mobile device that is within a predefined proximity of the first mobile device; determining that the second mobile device is within the predefined proximity of the first mobile device; identifying historical data that indicates whether the first mobile device and the second mobile device have been within the predefined proximity from one another; and sending the request for payment to the second mobile device that is within the predefined proximity of the first mobile device based at least in part on the historical data. - View Dependent Claims (9, 10, 11, 12, 13)
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14. A method comprising:
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receiving, from a first mobile device associated with a first account, a request for payment from at least a subset of accounts associated with respective mobile devices that are within a predefined proximity of the first mobile device; receiving location information of the first mobile device; determining which of the subset of the respective mobile devices are within the predefined proximity of the first mobile device based at least in part on the received location information; identifying historical data that indicates particular times that the first mobile device and the respective mobile devices have been within the predefined proximity of one another; and forwarding the request for payment to the mobile devices that are within the subset, that are determined to be within the predefined proximity of the first mobile device, and implementing an amount of authorization procedures prior to forwarding the request for payment based at least in part on the historical data. - View Dependent Claims (15, 16, 17, 18, 19)
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20. A method comprising
receiving a request for payment from a first mobile device, the request for payment specifying as recipients of the request for payment mobile devices that are: - (i) members of a particular group, and (ii) within a specified proximity of a location of the first mobile device;
receiving location information from the first mobile device, the location information indicating the location of the first mobile device; determining which of the mobile device members are within the specified proximity of the location of the first mobile device based at least in part on the location information; identifying historical data that indicates an extent to which the first mobile device and the mobile device members have been in proximity to one another; and sending, based at least partly on the historical data, the request for payment to the mobile device members that are determined to be within the specified proximity of the location of the first mobile device. - View Dependent Claims (21, 22, 23, 24, 25)
- (i) members of a particular group, and (ii) within a specified proximity of a location of the first mobile device;
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26. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, perform acts comprising:
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receiving, from a first user via a mobile device associated with the first user, a request for payment from other users having associated mobile devices that are within a specified proximity from the mobile device; receiving location information that indicates a current location of the mobile device and current locations of the associated mobile devices; determining that a current location of at least one associated mobile device of the associated mobile devices is within the specified proximity from the current location of the mobile device; identifying historical data that indicates an extent to which the mobile device and the at least one associated mobile device have been in proximity to one another; and initiating payment from the at least one associated mobile device based at least partly on the historical data and in response to determining that the current location of the at least one associated mobile device is within the specified proximity from the current location of the mobile device. - View Dependent Claims (27, 28)
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Specification