Acquisition of card information to enhance user experience

• US 9,785,920 B2
• Filed: 01/18/2012
• Issued: 10/10/2017
• Est. Priority Date: 01/18/2012
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Block, Inc. (f/k/a Square, Inc.)
• Inventors: Aaron, Paul, Morel, Shawn
• Primary Examiner(s): EPSTEIN, BRIAN M
• Application Number:
  US13/353,250
• Publication Number:
  US 20130185152A1
• Time in Patent Office: 2,092 Days
• Field of Search: 705 13, 235384
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G07B 13/00 Taximeters measuring distance travelled G01C; measuring time G04

Abstract

A method for a transaction with a taxi includes establishing secure communication between a first computing device in a driver section of a vehicle and a second computing device in a passenger section of a vehicle, receiving in the second computing device a card number from a card reader coupled to the second computing device before receiving a signal from a meter indicating an end of a trip for the passenger, after receiving the card number submitting the transaction for authorization from at least one of the first device or the second device, after receiving a signal from the meter indicating the end of the trip for the passenger, displaying an amount of a fare for the trip on a display, and receiving an indication that the transaction is authorized.

Claims

1. A method for a transaction in a vehicle, comprising:

determining that a first mobile computing device and a second mobile computing device have connected to a same access point, the first mobile computing device being associated with a driver of a vehicle and the second mobile computing device being associated with a passenger;

based at least in part on determining that the first mobile computing device and the second mobile computing device have connected to the same access point, registering, by a payment processing server, an association between the first mobile computing device and the second mobile computing device for processing of a payment transaction;

receiving, by the first mobile computing device, input from the driver regarding a start of a trip with the passenger;

at least partly before determining that the trip with the passenger has ended and at least partly before determining an amount of a fare for the trip;

receiving, by the second mobile computing device, card information from a card reader coupled to the second mobile computing device, the card information identifying a payment card to be used for processing a payment transaction between the driver associated with the first mobile computing device and the passenger associated with the second mobile computing device;

sending, by the second mobile computing device and to the payment processing server, the card information;

receiving, by the second mobile computing device and from the payment processing server, information identifying an identity of the passenger and content personalized for the passenger;

displaying, on the second mobile computing device, the content personalized for the passenger;

determining, by the first mobile computing device, that the trip with the passenger has ended;

after determining that the trip with the passenger has ended;

receiving, by the second mobile computing device, information indicating the amount of the fare for the trip;

displaying the information indicating the amount of the fare for the trip on the second mobile computing device;

receiving, by the second mobile computing device, input from the passenger to authorize processing of the payment transaction in the amount of the fare for the trip;

based at least in part on receiving the input from the passenger to authorize processing of the payment transaction, sending, by the second mobile computing device and to the payment processing server, a request to process the payment transaction with the card information that was previously sent to the payment processing server;

sending, by the payment processing server and without providing the first mobile computing device with access to the card information, an indication that the payment transaction is authorized; and

receiving, by the second mobile computing device and from the payment processing server, the indication that the payment transaction is authorized.

2. The method of claim 1, further comprising receiving, by the first mobile computing device, the amount of the fare from a meter in the vehicle.

3. The method of claim 1, wherein the second mobile computing device receives the information indicating the amount of the fare from the first mobile computing device.

4. The method of claim 1, further comprising determining whether the amount of the fare for the trip exceeds a threshold value.

5. The method of claim 4, further comprising displaying a request for approval of the transaction on the display if the amount of the fare for the trip exceeds the threshold value.

6. The method of claim 1, further comprising displaying on the second mobile computing device a graphical user interface configured to receive passenger input identifying a tip.

7. The method of claim 1, further comprising:

receiving, by the second mobile computing device and from the payment processing server, information regarding one or more prior destinations associated with a user of the payment card; and

displaying the information regarding the one or more prior destinations on the second mobile computing device.

8. The method of claim 1, further comprising:

receiving, by the second mobile computing device and from the payment processing server, data containing an advertisement personalized based at least in part on the card information; and

displaying the advertisement on the second mobile computing device.

9. The method of claim 1, wherein the card information includes a cardholder name taken from a scan of the payment card.

10. The method of claim 1, wherein the card information includes a card number taken from a scan of the payment card.

11. The method of claim 1, further comprising:

receiving en route fare data indicating an amount of fare of the trip at a point on a route to a final destination for the trip; and

displaying, by the second mobile computing device, information including the amount of fare of the trip of the ride at the point on the route to the final destination for the trip.

12. The method of claim 1, further comprising:

receiving, by the second mobile computing device and from the payment processing server, information about one or more destinations;

displaying, by the second mobile computing device, the information about the one or more destinations;

receiving, by the second mobile computing device and from the passenger, a selection of one of the one or more destinations; and

causing a route of the trip to be set to the destination of the selection.

13. A system comprising:

a payment processing server having one or more processors configured to perform operations comprising;

determining that a first mobile computing device and a second mobile computing device have connected to a same access point, the first mobile computing device being associated with a driver of a vehicle and the second mobile computing device being associated with a passenger;

based at least in part on determining that the first mobile computing device and the second mobile computing device have connected to the same access point, registering an association between the first mobile computing device and the second mobile computing device for processing of a payment transaction;

determining a start of a ride that is offered by the driver to the passenger;

determining that the ride for the passenger has ended; and

sending, without providing the first mobile computing device with access to card information, an indication that the payment transaction is authorized; and

a customer application executable by one or more processors of the second mobile computing device associated with the passenger to perform operations comprising;

causing display of a request for the card information for the payment transaction between the driver and the passenger of the vehicle for the ride;

at least partly before determining that the ride for the passenger has ended and at least partly before determining an amount of a fare for the ride;

receiving the card information from a card reader coupled to the second mobile computing device, the card information identifying a payment card to be used for processing the payment transaction between the driver associated with the first mobile computing device and the passenger associated with the second mobile computing device;

sending, to the payment processing server, the card information;

receiving, from the payment processing server, content personalized for the passenger;

causing display of the content personalized for the passenger;

after determining that the ride for the passenger has ended;

receiving information indicating the amount of the fare for the ride;

causing display of the information indicating the amount of the fare for the ride;

receiving input from the passenger to authorize processing of the payment transaction in the amount of the fare for the ride;

based at least in part on receiving the input from the passenger to authorize processing of the payment transaction, sending, to the payment processing server, a request to process the payment transaction with the card information that was previously sent to the payment processing server; and

receiving, from the payment processing server, the indication that the payment transaction is authorized.

14. The system of claim 13, wherein the operations performed by the customer application further comprise determining whether the amount of the fare for the ride exceeds a threshold value.

15. The system of claim 13, further comprising:

an audio port communicatively coupled to the one or more processors of the second mobile computing device and configured to couple to the card reader to receive the card information.

16. A system comprising:

a payment processing server having one or more processors configured to perform operations comprising;

determining that a first mobile computing device and a second mobile computing device have connected to a same access point, the first mobile computing device being associated with a driver of a vehicle and the second mobile computing device being associated with a passenger;

based at least in part on determining that the first mobile computing device and the second mobile computing device have connected to the same access point, registering an association between the first mobile computing device and the second mobile computing device for processing of a payment transaction;

determining a start of a ride that is offered by the driver to the passenger;

determining that the ride for the passenger has ended; and

sending, without providing the first mobile computing device with access to card information, an indication that the payment transaction is authorized; and

the second mobile computing device having one or more processors configured to perform operations comprising;

causing display of a request for the card information for the payment transaction between the driver and the passenger of the vehicle for the ride;

at least partly before determining that the ride for the passenger has ended and at least partly before determining an amount of a fare for the ride;

receiving the card information from a card reader coupled to the second mobile computing device, the card information identifying a payment card to be used for processing the payment transaction between the driver associated with the first mobile computing device and the passenger associated with the second mobile computing device;

sending, to the payment processing server, the card information;

receiving, from the payment processing server, content personalized for the passenger;

causing display of the content personalized for the passenger;

after determining that the ride for the passenger has ended;

receiving information indicating the amount of the fare for the ride;

causing display of the information indicating the amount of the fare for the ride;

receiving input from the passenger to authorize processing of the payment transaction in the amount of the fare for the ride;

based at least in part on receiving the input from the passenger to authorize processing of the payment transaction, sending, to the payment processing server, a request to process the payment transaction with the card information that was previously sent to the payment processing server; and

receiving, from the payment processing server, the indication that the payment transaction is authorized.

17. The system of claim 16, wherein the second mobile computing device is further configured to determine whether the amount of the fare for the ride exceeds a threshold value.

18. The system of claim 17, wherein the second mobile computing device is configured to display a request for approval of the payment transaction if the amount of the fare for the ride exceeds the threshold value.

19. The system of claim 16, further comprising:

an audio port communicatively coupled to the one or more processors of the second mobile computing device and configured to couple to the card reader to receive the card information.

20. The system of claim 16, wherein the second mobile computing device is further configured to:

receive en route fare data indicating an amount of fare of the ride at a point on a route to a final destination for the ride; and

display information including the amount of fare of the ride at the point on the route to the final destination for the ride.