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

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Square Inc (Block, Inc. (f/k/a Square, Inc.))
• Inventors: Henderson, William, Dorsey, Jack, Grassadonia, Brian, Wilson, Matthew
• Primary Examiner(s): Masud, Rokib
• Application Number:
  US13/683,879
• Publication Number:
  US 20130159119A1
• Time in Patent Office: 1,567 Days
• Field of Search: 235/379, 235/383, 705/26.1, 705/26.41
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/0185 Product, service or business identity fraud

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; determining whether to send, to the cardless payment system, an indication of consent to perform a cardless payment transaction with the merchant; displaying on the mobile device whether the merchant is authorized to perform a cardless payment transaction with the customer.

Claims

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.

2. The method of claim 1, wherein the first perimeter surrounding the first merchant resides a predetermined distance from the first geolocation of the first merchant.

3. The method of claim 1, further comprising determining, based on the current location of the mobile device and the second geolocation of the second merchant, that the mobile device is not within a predetermined distance of the second merchant.

4. The method of claim 3, further comprising determining, based on the determining that the mobile device is not within the predetermined distance of the second merchant, to not display, on the mobile device, an option to send an indication of the customer'"'"'s consent to perform the cardless payment transaction with the second merchant.

5. The method of claim 1, further comprising:

determining a distance from the current location of the mobile device to the first geolocation of the first merchant; and

displaying the distance on the mobile device.

6. The method of claim 1, further comprising:

responsive to determining that the mobile device is located inside the first perimeter surrounding the first merchant, sending, to the one or more payment service computing devices, an indication that the mobile device is located inside the first perimeter surrounding the first merchant.

7. The method of claim 6, wherein the sending the indication of the customer'"'"'s consent to perform the cardless payment transaction with the first merchant occurs during a time period after the sending the indication that the mobile device is located inside the first perimeter surrounding the first merchant.

8. The method of claim 6, wherein the indication of the customer'"'"'s consent to perform the cardless payment transaction with the first merchant is sent with the indication that the mobile device is located inside the first perimeter surrounding the first merchant.

9. The method of claim 1, further comprising receiving, from the one or more payment service computing devices, a request for approval of the cardless payment transaction.

10. The method of claim 9, further comprising sending, to the one or more payment service computing devices, a personal identification number (PIN) in response to the receiving the request for approval.

11. The method of claim 1, further comprising sending, to the one or more payment service computing devices, an identification of a financial institution and personal information of the customer.

12. The method of claim 1, further comprising receiving, at the mobile device, a record of the cardless payment transaction.

13. The method of claim 1, further comprising:

determining, during a time period after the sending the indication of the customer'"'"'s consent to perform the cardless payment transaction with the first merchant, that the first merchant is authorized to perform the cardless payment transaction; and

displaying, on the mobile device, an indication that the first merchant is authorized to perform the cardless payment transaction.

14. The method of claim 13, wherein the indication of the customer'"'"'s consent to perform the cardless payment transaction with the first merchant is consent for the first merchant to ring up items or services selected by the customer.

15. The method of claim 1, wherein the one or more payment service computing devices are configured to perform payment processing for multiple merchants including the first merchant and the second merchant.

16. One or more computer-readable media storing computer-executable instructions that, when executed, cause one or more processors to perform acts 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 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, 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, 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;

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

displaying a map on the mobile device, the 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 including;

a first indication that the mobile device is located inside the first perimeter surrounding the first merchant, and a second indication that the mobile device is located inside the second perimeter surrounding the second merchant or that the mobile device is located outside the second perimeter;

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 cardless payment transaction with the first merchant; and

sending, by the mobile device, the indication of the customer'"'"'s consent to perform the cardless payment transaction with the first merchant.

17. The one or more computer-readable media of claim 16, wherein the first perimeter resides a predetermined distance from the first geolocation of the first merchant.

18. The one or more computer-readable media of claim 16, wherein the determining that the mobile device is located inside the first perimeter surrounding the first merchant is based at least in part on the current location of the mobile device and the first geolocation of the first merchant.

19. The one or more computer-readable media of claim 18, the acts further comprising:

responsive to determining that the mobile device is located outside the second perimeter surrounding the second merchant, determining not to display, on the mobile device, an option to send an indication of the customer'"'"'s consent to perform a cardless payment with the second merchant.

20. The one or more computer-readable media of claim 18, the acts further comprising:

responsive to determining that the mobile device is located inside the second perimeter surrounding the second merchant, sending, to the one or more payment service computing devices, an indication that the mobile device is located inside the second perimeter surrounding the second merchant.

21. The one or more computer-readable media of claim 20, the acts further comprising:

sending, by the mobile device, an indication of the customer'"'"'s consent to perform a cardless payment transaction with the second merchant;

wherein the sending the indication of the customer'"'"'s consent to perform the cardless payment transaction with the second merchant occurs during a time period before the sending the indication that the mobile device is located inside the second perimeter surrounding the second merchant.

22. The one or more computer-readable media of claim 20, the acts further comprising:

sending, by the mobile device, an indication of the customer'"'"'s consent to perform a cardless payment transaction with the second merchant;

wherein the sending the indication of the customer'"'"'s consent to perform the cardless payment transaction with the second merchant occurs during a time period after the sending the indication that the mobile device is located inside the second perimeter surrounding the second merchant.

23. The one or more computer-readable media of claim 20, the acts further comprising:

sending, by the mobile device, an indication of the customer'"'"'s consent to perform a cardless payment transaction with the second merchant;

wherein the indication of the customer'"'"'s consent to perform the cardless payment transaction with the second merchant is sent with the indication that the mobile device is located inside the second perimeter surrounding the second merchant.

24. The one or more computer-readable media of claim 16, the acts further comprising:

determining a distance from the current location of the mobile device to the first geolocation of the first merchant; and

displaying the distance on the mobile device.

25. The computer-readable media of claim 16, the acts further comprising receiving, from the one or more payment service computing devices, a request for approval of the cardless payment transaction.

26. The one or more computer-readable media of claim 25, the acts further comprising sending, to the one or more payment service computing devices, a personal identification number (PIN) in response to the receiving the request for approval.

27. The one or more computer-readable media of claim 16, the acts further comprising sending, to the one or more payment service computing devices, an identification of a financial institution and personal information of the customer.

28. The one or more computer-readable media of claim 16, the acts further comprising receiving, at the mobile device, a record of the cardless payment transaction.

29. The one or more computer-readable media of claim 16, the acts further comprising:

determining, during a time period after the sending the indication of the customer'"'"'s consent to perform the cardless payment transaction with the first merchant, that the first merchant is authorized to perform the cardless payment transaction; and

displaying, on the mobile device, an indication that the first merchant is authorized to perform the cardless payment transaction.

30. The one or more computer-readable media of claim 16, wherein the indication of the customer'"'"'s consent to perform the cardless payment transaction with the first merchant is consent for the first merchant to ring up items or services selected by the customer.

31. The computer-readable media of claim 16, wherein the one or more payment service computing devices are configured to perform payment processing for multiple merchants including the first merchant and the second merchant.

32. A system, comprising:

one or more processors; and

one or more computer-readable media storing instructions executable by the one or more processors, wherein the instructions program the one or more processors to;

send, 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;

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

send, 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;

receive, 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

receive, 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;

determine, 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;

generate, 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;

display the map on the mobile device;

display, 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;

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

send, 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.

33. The system of claim 32, wherein the one or more payment service computing devices are configured to perform payment processing for multiple merchants including the first merchant and the second merchant.

34. The system of claim 32, wherein the instructions further program the one or more processors to:

determine, during a time period after the sending the indication of the customer'"'"'s consent to perform the cardless payment transaction with the first merchant, that the first merchant is authorized to perform the cardless payment transaction; and

display, on the mobile device, an indication that the first merchant is authorized to perform the cardless payment transaction.