Ranking of merchants for cardless payment transactions

• US 9,373,112 B1
• Filed: 09/26/2012
• Issued: 06/21/2016
• Est. Priority Date: 03/16/2012
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Block, Inc. (f/k/a Square, Inc.)
• Inventors: Henderson, William, Dorsey, Jack, Grassadonia, Brian
• Primary Examiner(s): Bartley, Kenneth
• Application Number:
  US13/627,615
• Time in Patent Office: 1,364 Days
• Field of Search: 705/16, 705/18, 705/27.1, 705/27.2, 705/41, 705/44
• US Class Current: 1/1
• 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 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0631 Item recommendations

Abstract

A method that includes obtaining a current location of a mobile device of a customer; sending the current location to a cardless payment system; receiving data identifying a plurality of merchants, each merchant having an account with the cardless payment system; displaying a list of the plurality of merchants on the mobile device; and simultaneous with displaying the list of the plurality of merchants, for each merchant in the list displaying on the mobile device whether the merchant is authorized to perform a cardless payment transaction with the customer.

Claims

1. A method, comprising:

receiving, via an application, user input from a user selecting a particular merchant for automatic authorization, wherein, for the particular merchant selected for automatic authorization, a mobile device associated with the user sends, to a cardless payment system, an indication of consent for the particular merchant to perform a cardless payment transaction using an account of the user with the cardless payment system, the indication of consent being sent by the mobile device whenever the mobile device associated with the user becomes located within a predetermined distance of a location of the particular merchant selected for automatic authorization, and wherein a cardless payment transaction is a transaction conducted by a merchant using an account of the user with the cardless payment system without receiving a payment card from the user;

sending, by the mobile device to a computer system of the cardless payment system, a current location of the mobile device;

receiving, by the mobile device from the computer system of the cardless payment system, data identifying a plurality of merchants that are located within a threshold distance to the current location of the mobile device, the plurality of merchants including the particular merchant selected for automatic authorization;

generating a presentation comprising a list of identifying information for one or more of the plurality of merchants including the particular merchant selected for automatic authorization, wherein the list includes an indication of the identity of each merchant of the one or more of the plurality of merchants, and an auto check-in symbol for the particular merchant selected for automatic authorization, the auto check-in symbol indicating that the particular merchant has been automatically authorized to perform a cardless payment transaction using an account of the user with the cardless payment system;

displaying the presentation on the mobile device;

determining, by the mobile device, that the current location of the mobile device is within the predetermined distance of the location of the particular merchant selected for automatic authorization, wherein the determining that the current location of the mobile device is within the predetermined distance of the location of the particular merchant selected for automatic authorization occurs while the application is running on the mobile device in a background;

sending, by the mobile device to the computer system of the cardless payment system without further input from the user, an indication of consent for the particular merchant to perform a cardless payment transaction using the account of the user with the cardless payment system, wherein the sending the indication of consent for the particular merchant to perform the cardless payment transaction occurs while the application is running on the mobile device in the background;

receiving, by the cardless payment system, a request by the particular merchant to perform a cardless payment transaction using the account of the user with the cardless payment system;

determining, by the cardless payment system, that the indication of consent for the particular merchant to perform a cardless payment transaction has been received from the mobile device associated with the user; and

sending, by the cardless payment system to the particular merchant, an indication that the cardless payment transaction is authorized without the mobile device having transmitted an approval for an amount of the transaction to the merchant or to the cardless payment system.

2. The method of claim 1, wherein the presentation comprises an entry for each merchant, each entry comprising a name of the merchant and an icon representing the merchant.

3. The method of claim 2, wherein the entry for the particular merchant comprises the auto check-in symbol for the particular merchant.

4. The method of claim 1, further comprising:

receiving, by the mobile device from the computer system of the cardless payment system, data indicating that the mobile device has sent an indication of consent for another merchant of the plurality of merchants to perform a cardless payment transaction using an account of the user with the cardless payment system,

wherein the presentation includes a checked-in symbol for the other merchant of the plurality of merchants, the checked-in symbol indicating that the other merchant has also been authorized to perform a cardless payment transaction using the account of the user with the cardless payment system.

5. The method of claim 1, further comprising:

determining that a second location of the mobile device is not within a predetermined distance of a second location of a second merchant, the second merchant being a merchant that the user has not selected for automatic authorization; and

presenting, by the mobile device, a distance symbol, the distance symbol indicating that the second merchant is not authorized to perform a cardless payment transaction using the account of the user with the cardless payment system.

6. The method of claim 5, further comprising:

determining a distance from the second location of the mobile device to the second location of the second merchant, wherein the distance symbol represents the distance from the second location of the mobile device to the second location of the second merchant.

7. The method of claim 5, further comprising:

determining, by the mobile device, that the current location of the mobile device is within the predetermined distance of the second location of the second merchant; and

presenting a check-in symbol for the second merchant, the check-in symbol indicating that the mobile device is within the predetermined distance of the second location of the second merchant.

8. The method of claim 7, further comprising:

receiving, at the mobile device, user input selecting the check-in symbol for the second merchant;

in response to receiving the user input selecting the check-in symbol for the second merchant, sending, by the mobile device to the computer system of the cardless payment system, an indication of consent for the second merchant to perform a cardless payment transaction using the account of the user with the cardless payment system;

presenting, by the mobile device, a checked-in symbol in place of the check-in symbol for the second merchant, the checked-in symbol indicating that the second merchant has been authorized to perform a cardless payment transaction using the account of the user with the cardless payment system;

receiving, by the cardless payment system, a request by the second merchant to perform a cardless payment transaction using the account of the user with the cardless payment system;

determining, by the cardless payment system, that the indication of consent for the second merchant to perform a cardless payment transaction has been received from the mobile device associated with the user; and

sending, by the cardless payment system to the second merchant, an indication that the cardless payment transaction is authorized without the mobile device having transmitted an approval for the amount of the transaction to the second merchant or to the cardless payment system.

9. The method of claim 8, further comprising:

determining that the mobile device is not within the predetermined distance of the second merchant; and

presenting, by the mobile device, a distance symbol in place of the checked-in symbol, the distance symbol indicating that the second merchant is no longer authorized to perform a cardless payment transaction using an account of the user with the cardless payment system.

10. A non-transitory computer-readable medium having instructions stored thereon, which, when executed by a processor, cause the processor to perform operations comprising:

receiving, via an application, user input from a user selecting a particular merchant for automatic authorization, wherein, for the particular merchant selected for automatic authorization, a mobile device associated with the user sends, to a cardless payment system, an indication of consent for the particular merchant to perform a cardless payment transaction using an account of the user with the cardless payment system, the indication of consent being sent by the mobile device whenever the mobile device associated with the user becomes located within a predetermined distance of a location of the particular merchant selected for automatic authorization, and wherein a cardless payment transaction is a transaction conducted by a merchant using an account of the user with the cardless payment system without receiving a payment card from the user;

sending, by the mobile device to a computer system of the cardless payment system, a current location of the mobile device;

receiving, by the mobile device from the computer system of the cardless payment system, data identifying a plurality of merchants that are located within a threshold distance to the current location of the mobile device, the plurality of merchants including the particular merchant selected for automatic authorization;

generating a presentation comprising a list of identifying information for one or more of the plurality of merchants including the particular merchant selected for automatic authorization, wherein the list includes an indication of the identity of each merchant of the one or more of the plurality of merchants, and an auto check-in symbol for the particular merchant selected for automatic authorization, the auto check-in symbol indicating that the particular merchant has been automatically authorized to perform a cardless payment transaction using an account of the user with the cardless payment system;

displaying the presentation on the mobile device;

determining, by the mobile device, that the current location of the mobile device is within the predetermined distance of the location of the particular merchant selected for automatic authorization, wherein the determining that the current location of the mobile device is within the predetermined distance of the location of the particular merchant selected for automatic authorization occurs while the application is running on the mobile device in a background;

sending, by the mobile device to the computer system of the cardless payment system without further input from the user, an indication of consent for the particular merchant to perform a cardless payment transaction using the account of the user with the cardless payment system, wherein the sending the indication of consent for the particular merchant to perform the cardless payment transaction occurs while the application is running on the mobile device in the background;

receiving, by the cardless payment system, a request by the particular merchant to perform a cardless payment transaction using the account of the user with the cardless payment system;

determining, by the cardless payment system, that the indication of consent for the particular merchant to perform a cardless payment transaction has been received from the mobile device associated with the user; and

sending, by the cardless payment system to the particular merchant, an indication that the cardless payment transaction is authorized without the mobile device having transmitted an approval for an amount of the transaction to the merchant or to the cardless payment system.

11. The computer-readable medium of claim 10, wherein the presentation comprises an entry for each merchant, each entry comprising a name of the merchant and an icon representing the merchant.

12. The computer-readable medium of claim 11, wherein the entry for the particular merchant comprises the auto check-in symbol for the particular merchant.

13. The computer-readable medium of claim 10, wherein the operations further comprise:

receiving, by the mobile device from the computer system of the cardless payment system, data indicating that the mobile device has sent an indication of consent for another merchant of the plurality of merchants to perform a cardless payment transaction using an account of the user with the cardless payment system,

wherein the presentation comprises a checked-in symbol for the other merchant of the plurality of merchants, the checked-in symbol indicating that the other merchant has also been authorized to perform a cardless payment transaction using the account of the user with the cardless payment system.

14. The computer-readable medium of claim 10, wherein the operations further comprise:

determining that a second location of the mobile device is not within a predetermined distance of a second location of a second merchant, the second merchant being a merchant that the user has not selected for automatic authorization; and

presenting, by the mobile device, a distance symbol, the distance symbol indicating that the second merchant is not authorized to perform a cardless payment transaction using the account of the user with the cardless payment system.

15. The computer-readable medium of claim 14, wherein the operations further comprise determining a distance from the second location of the mobile device to the second location of the second merchant, wherein the distance symbol represents the distance from the second location of the mobile device to the second location of the second merchant.

16. The computer-readable medium of claim 14, wherein the operations further comprise:

determining, by the mobile device, that the current location of the mobile device is within the predetermined distance of the second location of the second merchant; and

presenting a check-in symbol for the second merchant, the check-in symbol indicating that the mobile device is within the predetermined distance of the second location of the second merchant.

17. The computer-readable medium of claim 16, wherein the operations further comprise:

receiving, at the mobile device, user input selecting the check-in symbol for the second merchant;

in response to receiving the user input selecting the check-in symbol for the second merchant, sending, by the mobile device to the computer system of the cardless payment system, an indication of consent for the second merchant to perform a cardless payment transaction using the account of the user with the cardless payment system;

presenting, by the mobile device, a checked-in symbol in place of the check-in symbol for the second merchant, the checked-in symbol indicating that the second merchant has been authorized to perform a cardless payment transaction using the account of the user with the cardless payment system;

receiving, by the cardless payment system, a request by the second merchant to perform a cardless payment transaction using the account of the user with the cardless payment system;

determining, by the cardless payment system, that the indication of consent for the second merchant to perform a cardless payment transaction has been received from the mobile device associated with the user; and

sending, by the cardless payment system to the second merchant, an indication that the cardless payment transaction is authorized without the mobile device having transmitted an approval for the amount of the transaction to the second merchant or to the cardless payment system.

18. The computer-readable medium of claim 17, wherein the operations further comprise:

determining that the mobile device is not within the predetermined distance of the second merchant; and

presenting, by the mobile device, a distance symbol in place of the checked-in symbol, the distance symbol indicating that the second merchant is no longer authorized to perform a cardless payment transaction using an account of the user with the cardless payment system.

19. A system comprising:

one or more computers and one or more storage devices storing instructions that are operable, when executed by the one or more computers, to cause the one or more computers to perform operations comprising;

receiving, via an application, user input from a user selecting a particular merchant for automatic authorization, wherein, for the particular merchant selected for automatic authorization, a mobile device associated with the user sends, to a cardless payment system, an indication of consent for the particular merchant to perform a cardless payment transaction using an account of the user with the cardless payment system, the indication of consent being sent by the mobile device whenever the mobile device associated with the user becomes located within a predetermined distance of a location of the particular merchant selected for automatic authorization, and wherein a cardless payment transaction is a transaction conducted by a merchant using an account of the user with the cardless payment system without receiving a payment card from the user;

sending, by the mobile device to a computer system of the cardless payment system, a current location of the mobile device;

receiving, by the mobile device from the computer system of the cardless payment system, data identifying a plurality of merchants that are located within a threshold distance to the current location of the mobile device, the plurality of merchants including the particular merchant selected for automatic authorization;

generating a presentation comprising a list of identifying information for one or more of the plurality of merchants including the particular merchant selected for automatic authorization, wherein the list includes an indication of the identity of each merchant of the one or more of the plurality of merchants, and an auto check-in symbol for the particular merchant selected for automatic authorization, the auto check-in symbol indicating that the particular merchant has been automatically authorized to perform a cardless payment transaction using an account of the user with the cardless payment system;

displaying the presentation on the mobile device;

determining, by the mobile device, that the current location of the mobile device is within the predetermined distance of the location of the particular merchant selected for automatic authorization, wherein the determining that the current location of the mobile device is within the predetermined distance of the location of the particular merchant selected for automatic authorization occurs while the application is running on the mobile device in a background;

sending, by the mobile device to the computer system of the cardless payment system without further input from the user, an indication of consent for the particular merchant to perform a cardless payment transaction using the account of the user with the cardless payment system, wherein the sending the indication of consent for the particular merchant to perform the cardless payment transaction occurs while the application is running on the mobile device in the background;

receiving, by the cardless payment system, a request by the particular merchant to perform a cardless payment transaction using the account of the user with the cardless payment system;

determining, by the cardless payment system, that the indication of consent for the particular merchant to perform a cardless payment transaction has been received from the mobile device associated with the user; and

sending, by the cardless payment system to the particular merchant, an indication that the cardless payment transaction is authorized without the mobile device having transmitted an approval for an amount of the transaction to the merchant or to the cardless payment system.

20. The system of claim 19, wherein the presentation comprises an entry for each merchant, each entry comprising a name of the merchant and an icon representing the merchant.

21. The system of claim 20, wherein the entry for the particular merchant comprises the auto check-in symbol for the particular merchant.

22. The system of claim 19, wherein the operations further comprise:

receiving, by the mobile device from the computer system of the cardless payment system, data indicating that the mobile device has sent an indication of consent for another merchant of the plurality of merchants to perform a cardless payment transaction using an account of the user with the cardless payment system,

wherein the presentation comprises a checked-in symbol for the other merchant of the plurality of merchants, the checked-in symbol indicating that the other merchant has also been authorized to perform a cardless payment transaction using the account of the user with the cardless payment system.

23. The system of claim 19, wherein the operations further comprise:

determining that a second location of the mobile device is not within a predetermined distance of a second location of a second merchant, the second merchant being a merchant that the user has not selected for automatic authorization; and

presenting, by the mobile device, a distance symbol, the distance symbol indicating that the second merchant is not authorized to perform a cardless payment transaction using the account of the user with the cardless payment system.

24. The system of claim 23, wherein the operations further comprise determining a distance from the second location of the mobile device to the second location of the second merchant, wherein the distance symbol represents the distance from the second location of the mobile device to the second location of the second merchant.

25. The system of claim 23, wherein the operations further comprise:

determining, by the mobile device, that the current location of the mobile device is within the predetermined distance of the second location of the second merchant; and

presenting a check-in symbol for the second merchant, the check-in symbol indicating that the mobile device is within the predetermined distance of the second location of the second merchant.

26. The system of claim 25, wherein the operations further comprise:

receiving, at the mobile device, user input selecting the check-in symbol for the second merchant;

in response to receiving the user input selecting the check-in symbol for the second merchant, sending, by the mobile device to the computer system of the cardless payment system, an indication of consent for the second merchant to perform a cardless payment transaction using the account of the user with the cardless payment system;

presenting, by the mobile device, a checked-in symbol in place of the check-in symbol for the second merchant, the checked-in symbol indicating that the second merchant has been authorized to perform a cardless payment transaction using the account of the user with the cardless payment system;

receiving, by the cardless payment system, a request by the second merchant to perform a cardless payment transaction using the account of the user with the cardless payment system;

determining, by the cardless payment system, that the indication of consent for the second merchant to perform a cardless payment transaction has been received from the mobile device associated with the user; and

sending, by the cardless payment system to the second merchant, an indication that the cardless payment transaction is authorized without the mobile device having transmitted an approval for the amount of the transaction to the second merchant or to the cardless payment system.

27. The system of claim 26, wherein the operations further comprise:

determining that the mobile device is not within the predetermined distance of the second merchant; and

presenting, by the mobile device, a distance symbol in place of the checked-in symbol, the distance symbol indicating that the second merchant is no longer authorized to perform a cardless payment transaction using an account of the user with the cardless payment system.

28. A method comprising:

sending, by a mobile device associated with a user to a computer system of a cardless payment system, a current location of the mobile device;

receiving, by the mobile device from the computer system of the cardless payment system, data identifying a plurality of merchants;

generating a presentation comprising a list of identifying information for one or more of the plurality of merchants, wherein the list includes an indication of the identity of each merchant of the one or more of the plurality of merchants;

displaying, via an application, the presentation on the mobile device and a first symbol for a particular merchant of the plurality of merchants to enable automatic check-in with the particular merchant;

receiving, at the mobile device and via the application, user input selecting the first symbol for the particular merchant;

presenting, by the mobile device, a second symbol in place of the first symbol, the second symbol indicating that the user has enabled automatic check-in with the particular merchant;

determining that the current location of the mobile device is within a predetermined distance of a location of the particular merchant, wherein the determining that the current location of the mobile device is within the predetermined distance of the location of the particular merchant occurs while the application is running on the mobile device in a background;

sending, by the mobile device to the computer system of the cardless payment system, an indication of consent for the particular merchant to perform a cardless payment transaction using an account of the user with the cardless payment system, wherein the sending the indication of consent for the particular merchant to perform the cardless payment transaction occurs while the application is running on the mobile device in the background;

receiving, by the cardless payment system, a request by the particular merchant to perform the cardless payment transaction using the account of the user with the cardless payment system;

determining, by the cardless payment system, that the indication of consent for the particular merchant to perform the cardless payment transaction has been received from the mobile device associated with the user; and

sending, by the cardless payment system to the particular merchant, an indication that the cardless payment transaction is authorized without the mobile device having transmitted an approval for an amount of the cardless payment transaction to the particular merchant or to the cardless payment system.

29. The method of claim 28, further comprising:

determining that a second location of the mobile device is not within the predetermined distance of the location of the particular merchant of the plurality of merchants; and

presenting, by the mobile device, a distance symbol, the distance symbol indicating that the particular merchant is no longer authorized to perform a cardless payment transaction using the account of the user with the cardless payment system.

30. A non-transitory computer-readable medium having instructions stored thereon, which, when executed by a processor, cause the processor to perform operations comprising:

sending, by a mobile device associated with a user to a computer system of a cardless payment system, a current location of the mobile device;

receiving, by the mobile device from the computer system of the cardless payment system, data identifying a plurality of merchants;

generating a presentation comprising a list of identifying information for one or more of the plurality of merchants, wherein the list includes an indication of the identity of each merchant of the one or more of the plurality of merchants;

displaying, via an application, the presentation on the mobile device and a first symbol for a particular merchant of the plurality of merchants to enable automatic check-in with the particular merchant;

receiving, at the mobile device and via the application, user input selecting the first symbol for the particular merchant;

presenting, by the mobile device, a second symbol in place of the first symbol, the second symbol indicating that the user has enabled automatic check-in with the particular merchant;

determining that the current location of the mobile device is within a predetermined distance of a location of the particular merchant, wherein the determining that the current location of the mobile device is within the predetermined distance of the location of the particular merchant occurs while the application is running on the mobile device in a background;

sending, by the mobile device to the computer system of the cardless payment system, an indication of consent for the particular merchant to perform a cardless payment transaction using an account of the user with the cardless payment system, wherein the sending the indication of consent for the particular merchant to perform the cardless payment transaction occurs while the application is running on the mobile device in the background;

receiving, by the cardless payment system, a request by the particular merchant to perform the cardless payment transaction using the account of the user with the cardless payment system;

determining, by the cardless payment system, that the indication of consent for the particular merchant to perform the cardless payment transaction has been received from the mobile device associated with the user; and

sending, by the cardless payment system to the particular merchant, an indication that the cardless payment transaction is authorized without the mobile device having transmitted an approval for an amount of the cardless payment transaction to the particular merchant or to the cardless payment system.

31. The computer-readable medium of claim 30, wherein the operations further comprise:

determining that a second location of the mobile device is not within the predetermined distance of the location of the particular merchant of the plurality of merchants; and

presenting, by the mobile device, a distance symbol, the distance symbol indicating that the particular merchant is no longer authorized to perform a cardless payment transaction using the account of the user with the cardless payment system.

32. A system comprising:

a first merchant device including (i) one or more processors, (ii) a Global Positioning System (GPS) receiver communicatively coupled to the one or more processors and configured to determine a current geographical location of the first merchant device, and (iii) memory communicatively coupled to the one or more processors and storing executable instructions that when executed by the one or more processors, cause the one or more processors to send, via the Internet, geolocation data of the first merchant device, the geolocation data indicating the current geographical location of the first merchant device;

a server including (i) one or more processors, and (ii) memory communicatively coupled to the one or more processors and storing executable instructions that when executed by the one or more processors, cause the one or more processors to perform operations comprising;

receiving, via the Internet, geolocation data for a smart phone, the geolocation data indicating a current geographical location of the smart phone;

receiving, via the Internet, geolocation data for each of a plurality of merchant devices, the plurality of merchant devices including the first merchant device, the geolocation data indicating a current geographical location of the respective merchant device;

determining a first merchant and a second merchant that are registered to perform cardless transactions, the first merchant being associated with the first merchant device;

generating presentation data that includes a list of the first merchant and the second merchant; and

sending, via the Internet, the presentation data to the smart phone;

the smart phone including (i) one or more processors, (ii) a display device communicatively coupled to the one or more processor, (iii) a Global Positioning System (GPS) receiver communicatively coupled to the one or more processors and configured to determine the current geographical location of the smart phone, and (iv) memory communicatively coupled to the one or more processors and storing executable instructions that when executed by the one or more processors, cause the one or more processors to perform operations comprising;

sending, via the Internet, the geolocation data of the smart phone to the server;

receiving, via the Internet, the presentation data from the server;

causing the display device to display a graphical user interface associated with an application, the graphical user interface including (i) the list of the first merchant and the second merchant, and (ii) a first icon for the first merchant to enable automatic check-in with the first merchant for automatic authorization;

receiving user input selecting the first icon for the first merchant;

updating the graphical user interface to display a second icon for the first merchant, the second icon indicating that automatic check-in with the first merchant has been enabled for automatic authorization; and

determining that the current geographical location of the smart phone is within a predetermined distance of the current geographical location of the first merchant device, wherein the determining that the current geographical location of the smart phone is within the predetermined distance of the current geographical location of the first merchant device occurs while the application is running on the smart phone in a background;

sending, via the Internet and to the server, an indication of consent for the first merchant to perform a cardless transaction using an account associated with a user of the smart phone, wherein the sending the indication of consent for the first merchant to perform the cardless transaction occurs while the application is running on the smart phone in the background;

wherein the memory of the server further includes executable instructions that, when executed by the one or more processors of the server, cause the one or more processors of the server to perform operations including;

receiving a request by the first merchant to perform the cardless transaction;

receiving, via the Internet and from the smart phone, the indication of consent for the first merchant to perform the cardless transaction;

determining that the first merchant is associated with the first merchant device; and

based at least in part on receiving the indication of consent, sending, via the Internet, an indication that the cardless transaction is authorized.