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Cardless payment transactions

  • US 9,589,269 B2
  • Filed: 11/21/2012
  • Issued: 03/07/2017
  • Est. Priority Date: 11/22/2011
  • Status: Active Grant
First Claim
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1. A method, comprising:

  • sending, by a mobile device of a customer and to one or more payment service computing devices, a request for an identification of merchants that are capable of performing cardless payment transactions;

    determining, by a global positioning system (GPS) receiver of the mobile device, a current location of the mobile device;

    sending, by the mobile device, the current location of the mobile device to the one or more payment service computing devices;

    at least partly responsive to the sending of the request for the identification of merchants that are capable of performing cardless payment transactions;

    receiving, at the mobile device and from the one or more payment service computing devices, a first identification of a first merchant, a first geolocation of the first merchant, and an indication of a first perimeter surrounding the first merchant, the first merchant being capable of performing cardless payment transactions; and

    receiving, at the mobile device and from the one or more payment service computing devices, a second identification of a second merchant, a second geolocation of the second merchant, and an indication of a second perimeter surrounding the second merchant, the second merchant being capable of performing cardless payment transactions;

    determining, by the mobile device, that the mobile device is located inside the first perimeter surrounding the first merchant and outside the second perimeter surrounding the second merchant;

    generating, by the mobile device, a map showing the current location of the mobile device, the first geolocation of the first merchant, the first perimeter surrounding the first merchant, the second geolocation of the second merchant, and the second perimeter surrounding the second merchant, the map indicating that the mobile device is located inside the first perimeter surrounding the first merchant and outside the second perimeter surrounding the second merchant;

    displaying the map on the mobile device;

    displaying, on the mobile device and based at least in part on the mobile device being located inside the first perimeter surrounding the first merchant, an option to send an indication of a customer'"'"'s consent to perform a cardless payment transaction with the first merchant;

    receiving, by the mobile device, the indication of the customer'"'"'s consent to perform the payment transaction with the first merchant; and

    sending, by the mobile device and to the one or more payment service computing devices, the indication of the customer'"'"'s consent to perform the cardless payment transaction with the first merchant.

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