Ranking of merchants for cardless payment transactions
First Claim
Patent Images
1. A system comprising:
- a service computing device including one or more processors and a communication component communicatively coupled to the one or more processors for communicating over one or more networks with a plurality of merchant devices and a user device, the service computing device being configured to;
receive, via an application on the user device, a current location of the user device, wherein the application is running on the user device as a background process and wherein the application initiates within a predetermined distance from at least one of the plurality of merchants;
determine, for each of the plurality of merchant devices, a location of the respective merchant device;
identify a plurality of merchants that are each associated with a merchant device, from among the plurality of merchant devices, that is located within a predetermined proximity to the current location of the user device;
receive purchase data describing one or more items that have been purchased by a user of the user device;
rank the plurality of merchants based at least in part on the purchase data, the ranking including ranking a merchant of the plurality of merchants higher than another merchant of the plurality of merchants based at least in part on the user having purchased more items from the merchant than the other merchant;
identify one or more merchants of the plurality of merchants that are registered to perform cardless payment transactions; and
send, to the user device, the ranking of the plurality of merchants and information identifying the one or more merchants that are registered to perform cardless payment transactions;
a user application executable by one or more processors of the user device to;
receive, from the service computing device, the ranking of the plurality of merchants and the information identifying the one or more merchants that are registered to perform cardless payment transactions;
display the ranking of the plurality of merchants and an indication for a particular merchant of the plurality of merchants indicating that the particular merchant is registered to perform cardless payment transactions;
receiving user input to check-in to the particular merchant;
based at least in part on the user input, sending, to the service computing device, an indication of consent for the particular merchant to perform one or more cardless payment transactions;
a merchant application executable by one or more processors of a merchant device associated with the particular merchant to;
receive merchant input regarding a cardless payment transaction for an item that is offered for acquisition to the user by the particular merchant; and
based at least in part on the merchant input, send, to the service computing device, a request to perform the cardless payment transaction, without further input from the user device;
wherein the service computing device is further configured to;
determine that the indication of consent for the particular merchant to perform one or more cardless payment transactions has been received from the user device; and
send, to the merchant device associated with the particular merchant, an indication that the cardless payment transaction is authorized without having received, from the merchant device associated with the particular merchant, payment card data for the cardless payment transaction.
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Abstract
A method for ranking merchants that includes receiving in a cardless payment system a current location of a mobile device of a customer; receiving data identifying a plurality of merchants based on proximity to the current location, each merchant having an account with the cardless payment system; ranking the plurality of merchants based on at least one or more indicators, the one or more indicators including purchase data or a dwell time; sending the ranking of the plurality of merchants to the mobile device.
165 Citations
41 Claims
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1. A system comprising:
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a service computing device including one or more processors and a communication component communicatively coupled to the one or more processors for communicating over one or more networks with a plurality of merchant devices and a user device, the service computing device being configured to; receive, via an application on the user device, a current location of the user device, wherein the application is running on the user device as a background process and wherein the application initiates within a predetermined distance from at least one of the plurality of merchants; determine, for each of the plurality of merchant devices, a location of the respective merchant device; identify a plurality of merchants that are each associated with a merchant device, from among the plurality of merchant devices, that is located within a predetermined proximity to the current location of the user device; receive purchase data describing one or more items that have been purchased by a user of the user device; rank the plurality of merchants based at least in part on the purchase data, the ranking including ranking a merchant of the plurality of merchants higher than another merchant of the plurality of merchants based at least in part on the user having purchased more items from the merchant than the other merchant; identify one or more merchants of the plurality of merchants that are registered to perform cardless payment transactions; and send, to the user device, the ranking of the plurality of merchants and information identifying the one or more merchants that are registered to perform cardless payment transactions; a user application executable by one or more processors of the user device to; receive, from the service computing device, the ranking of the plurality of merchants and the information identifying the one or more merchants that are registered to perform cardless payment transactions; display the ranking of the plurality of merchants and an indication for a particular merchant of the plurality of merchants indicating that the particular merchant is registered to perform cardless payment transactions; receiving user input to check-in to the particular merchant; based at least in part on the user input, sending, to the service computing device, an indication of consent for the particular merchant to perform one or more cardless payment transactions; a merchant application executable by one or more processors of a merchant device associated with the particular merchant to; receive merchant input regarding a cardless payment transaction for an item that is offered for acquisition to the user by the particular merchant; and based at least in part on the merchant input, send, to the service computing device, a request to perform the cardless payment transaction, without further input from the user device; wherein the service computing device is further configured to; determine that the indication of consent for the particular merchant to perform one or more cardless payment transactions has been received from the user device; and send, to the merchant device associated with the particular merchant, an indication that the cardless payment transaction is authorized without having received, from the merchant device associated with the particular merchant, payment card data for the cardless payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A non-transitory computer-readable medium having instructions stored thereon, which, when executed by a processor, cause the processor to perform operations comprising:
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receiving in a cardless payment system via an application on a mobile device of a customer, a current location of the mobile device of the customer, wherein the application is running on the mobile device as a background process and wherein the application initiates within a predetermined distance from at least one of the plurality of merchants; identifying a plurality of merchants that are each located within a predetermined proximity to the current location; ranking the plurality of merchants based at least in part on a frequency of the customer purchasing items from the respective merchant; identifying one or more merchants of the plurality of merchants that have an account with the cardless payment system to perform cardless payment transactions; sending, to the mobile device, the ranking of the plurality of merchants and information identifying the one or more merchants that have an account with the cardless payment system to perform cardless payment transactions; receiving, from the mobile device, a selection of one of the one or more merchants, wherein the selection comprises an indication of consent to conduct a transaction with the one of the one or more merchants; receiving, from a merchant device associated with the one of the one or more merchants, a request to conduct the transaction; and processing the transaction without further input from the customer. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A system comprising:
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a processor; and computer-readable medium coupled to the processor and having instructions stored thereon, which, when executed by the processor, cause the processor to perform operations comprising; receiving in a cardless payment system, via an application of a mobile device of a customer, a current location of the mobile device of the customer, wherein the application is running on the mobile device as a background process and wherein the application initiates within a predetermined distance to at least one of the plurality of merchants; identifying a plurality of merchants that are each located within a predetermined proximity to the current location; ranking the plurality of merchants based at least in part on purchase data describing one or more items that have been purchased by the customer; identifying one or more merchants of the plurality of merchants that have an account with the cardless payment system to perform cardless payment transactions; and sending, to the application on the mobile device, the ranking of the plurality of merchants and information identifying the one or more merchants that have an account with the cardless payment system to perform cardless payment transactions. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25, 26)
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27. A method of ranking merchants, comprising:
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receiving in a cardless payment system via an application on a mobile device of a customer, a current location of the mobile device of the customer, wherein the application is running on the mobile device as a background process and wherein the application initiates within a predetermined distance from at least one of the plurality of merchants; identifying a plurality of merchants that are each located within a first predetermined distance to the current location; ranking the plurality of merchants based at least in part on a dwell time that indicates how long the mobile device is located within a second predetermined distance to a location of the respective merchant, the ranking including ranking a merchant of the plurality of merchants higher than another merchant of the plurality of merchants based at least in part on the customer having been located within the second predetermined distance to a location of the merchant longer than having been located within the second predetermined distance to a location of the other merchant, the second predetermined distance being shorter than the first predetermined distance; identifying one or more merchants of the plurality of merchants that are registered to perform cardless payment transactions; and sending, to the application on the mobile device, the ranking of the plurality of merchants and information identifying the one or more merchants that are registered to perform cardless payment transactions. - View Dependent Claims (28, 29, 30, 31)
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32. A non-transitory computer-readable medium having instructions stored thereon, which, when executed by a processor, cause the processor to perform operations comprising:
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receiving via an application on a mobile device of a customer, in a cardless payment system a current location of the mobile device of the customer, wherein the application is running on the mobile device as a background process and wherein the application initiates within a predetermined distance from at least one of the plurality of merchants; identifying a plurality of merchants that are each located within a first predetermined distance to the current location; ranking the plurality of merchants based at least in part on a dwell time that indicates how long the mobile device is located within a second predetermined distance to a location of the respective merchant, the ranking including ranking a merchant of the plurality of merchants higher than another merchant of the plurality of merchants based at least in part on the customer having been located within the second predetermined distance to a location of the merchant longer than having been located within the second predetermined distance to a location of the other merchant; identifying one or more merchants of the plurality of merchants that are registered to perform cardless payment transactions; and sending, to the application on the mobile device, the ranking of the plurality of merchants and information identifying the one or more merchants that are registered to perform cardless payment transactions. - View Dependent Claims (33, 34, 35, 36)
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37. A system comprising:
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a processor; and computer-readable medium coupled to the processor and having instructions stored thereon, which, when executed by the processor, cause the processor to perform operations comprising; receiving in a cardless payment system via an application on a mobile device of a customer, a current location of the mobile device of the customer, wherein the application is running on the mobile device as a background process and wherein the application initiates within a predetermined distance from at least one of the plurality of merchants; identifying a plurality of merchants that are each located within a first predetermined distance to the current location; ranking the plurality of merchants based at least in part on a dwell time that indicates how long the mobile device is located within a second predetermined distance to a location of the respective merchant, the ranking including ranking a merchant of the plurality of merchants higher than another merchant of the plurality of merchants based at least in part on the customer having been located within the second predetermined distance to a location of the merchant longer than having been located within the second predetermined distance to a location of the other merchant; identifying one or more merchants of the plurality of merchants that are registered to perform cardless payment transactions; sending, to the mobile device, the ranking of the plurality of merchants and information identifying the one or more merchants that are registered to perform cardless payment transactions; receiving, from the mobile device, a selection of one of the one or more merchants, wherein the selection comprises an indication of consent to conduct a transaction with the one of the one or more merchants; receiving, from a merchant device associated with the one of the one or more merchants, a request to conduct the transaction; and processing the transaction without further input from the customer. - View Dependent Claims (38, 39, 40, 41)
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Specification