Customer authentication for an order

• US 9,799,034 B1
• Filed: 09/26/2014
• Issued: 10/24/2017
• 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: Varma, Ajit Kalidindi, Reiss, Jesse, Grassadonia, Brian
• Primary Examiner(s): Frenel, Vanel
• Application Number:
  US14/498,975
• Time in Patent Office: 1,124 Days
• Field of Search: 705 21, 705 39, 705 41, 705 44, 705 67, 705347, 235379, 235380
• 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

Methods, computer program products, and systems for processing customer authentication for an order. A merchant device displays a name of a customer and an image of the customer who submitted a selection of items to purchase from a merchant operating the merchant device. The merchant device can obtain the name and image from a server before or after the merchant device received a list of the selected items. The merchant device can display the name and image. Display of the name and image may or may not be triggered by a notification that the customer device is at the merchant device. The merchant device receives an input from the merchant indicating that a customer who claims the name matches the image. The merchant device approves purchase of the selected items by the customer. The merchant device then submits a total price of the selected items to a server for processing.

Claims

1. A method comprising:

receiving, by a merchant device and from a payment service computing device, a name of a customer, the name of the customer being received during a first time period in which a first geolocation of a mobile device of the customer is not within a threshold proximity of the merchant device, wherein the payment service computing device is associated with a payment service and configured to process payments for multiple merchants including a merchant associated with the merchant device, and wherein the merchant device and the payment service computing device exchange data over a networked connection;

providing for display, on a customer display area of the merchant device, the name of the customer during a second time period in which a second geolocation of the mobile device is not within the threshold proximity of the merchant device;

receiving, by the merchant device, a selection of the customer name from the customer display area, the selection occurring during a third time period in which a third geolocation of the mobile device is within the threshold proximity of the merchant device;

receiving, by the merchant device, a selection of goods or services to be purchased by the customer from the merchant, wherein the customer is to receive the selected goods or services at a location associated with the merchant device;

providing for display, on the merchant device, a list of the selected goods or services;

receiving, by the merchant device and from the payment service computing device, identity verification data for the customer;

providing for display, on the merchant device, the identity verification data;

receiving, by the merchant device, an input indicating that information obtained from the customer is consistent with the identify verification data; and

in response to the input, submitting, by the merchant device and to the payment service computing device, a request to approve an electronic payment transaction for the selected goods or services.

2. A method performed by a merchant device in networked communication with a server, the method comprising:

receiving an identifier identifying a customer by the merchant device and from the server, the identifier being received during a first time period in which a first geolocation of a mobile device associated with the customer does not satisfy a threshold proximity of the merchant device;

displaying, on the merchant device, the identifier during a second time period in which a second geolocation of the mobile device does not satisfy the threshold proximity of the merchant device;

receiving, by the merchant device, a selection of the identifier, the selection occurring during a third time period in which a third geolocation of the mobile device satisfies the threshold proximity of the merchant device;

displaying, on the merchant device, a list of selected goods or services to be purchased by the customer from a merchant associated with the merchant device;

in response to receiving a first input indicating receipt of identification information that corresponds to the identifier, displaying identity verification data of the customer, the identity verification data being received by the merchant device from the server; and

in response to receiving a second input indicating that the identification information is consistent with the identity verification data, submitting, by the merchant device to the server, a request to approve an electronic payment transaction for the selected goods or services.

3. The method of claim 2, wherein the list of selected goods or services is received by the merchant device after receiving the first input indicating receipt of identification information that corresponds to the identifier.

4. The method of claim 2, wherein the list of selected goods or services is received by the merchant device from the server based on customer input into the mobile device associated with the customer.

5. The method of claim 4, wherein the list of selected goods or services is received together with the identifier of the customer from the server.

6. The method of claim 2, wherein:

the identifier of the customer includes at least one of a name, a nickname, or a user name of the customer; and

the identity verification data includes at least one of a pass phrase of the customer, a personal identification number of the customer, or an image of the customer.

7. The method of claim 2, further comprising providing for display, on the merchant device, a list of a plurality of customer identifiers including the identifier of the customer.

8. The method of claim 7, wherein the list of the plurality of customer identifiers is ordered based at least in part on time of receipt the identifier of the customer from the server.

9. The method of claim 7, wherein the list of the plurality of customer identifiers is ordered based at least in part on time of receipt of the selection of goods or services.

10. The method of claim 2, wherein the threshold proximity of the merchant device is based on a geofence associated with the merchant device.

11. The method of claim 2, wherein receiving the identifier of the customer occurs when the server receives, from the mobile device associated with the customer, a selection of goods or services to be purchased by the customer.

12. A non-transitory storage device comprising instructions operable to cause one or more computers to

receive a networked communication at a merchant device and from a server, the networked communication including an identifier identifying a customer, the identifier being received during a first time period in which a first geolocation of a mobile device of the customer is not within a threshold proximity of the merchant device;

display, on the merchant device, the identifier during a second time period in which a second geolocation of the mobile device is not within the threshold proximity of the merchant device;

receive, by the merchant device, a selection of the identifier, the selection occurring during a third time period in which a third geolocation of the mobile device is within the threshold proximity of the merchant device;

displaying, on the merchant device, a list of selected goods or services to be purchased by the customer from a merchant associated with the merchant device;

in response to a first input indicating receipt of identification information that corresponds to the identifier, display identity verification data of the customer, the identity verification data being received by the merchant device from the server; and

in response to a second input indicating that the identification information is consistent with the identity verification data, submit, by the merchant device to the server, a request to approve an electronic payment transaction for the selected goods or services.

13. The non-transitory storage device of claim 12, wherein the list of selected goods or services is received by the merchant device after the first input indicating receipt of identification information that corresponds to the identifier.

14. The non-transitory storage device of claim 12, wherein the list of selected goods or services is received by the merchant device from the server based on customer input into the mobile device of the customer, wherein the mobile device communicates the selected goods or services over a network to the server, and the server communicates the selected goods or services over the network to the merchant device.

15. The non-transitory storage device of claim 14, wherein the list of selected goods or services is received together with the identifier of the customer from the server.

16. The non-transitory storage device of claim 12, wherein:

the identifier of the customer includes at least one of a name, a nickname, or a user name of the customer; and

the identity verification data includes at least one of a pass phrase of the customer, a personal identification number of the customer, or an image of the customer.

17. The non-transitory storage device of claim 12, the operations further comprising providing for display, on the merchant device, a list of a plurality of customer identifiers including the identifier of the customer.

18. The non-transitory storage device of claim 17, wherein the list of the plurality of customer identifiers is ordered based at least in part on time of receipt of the identifier of the customer from the server.

19. The non-transitory storage device of claim 17, wherein the list of the plurality of customer identifiers is ordered based at least in part on time of receipt of the selection of goods or services.

20. The non-transitory storage device of claim 12, wherein receiving the identifier of the customer occurs when the mobile device of the customer enters a geofence associated with the merchant device.

21. The non-transitory storage device of claim 12, wherein receiving the identifier of the customer occurs when the server receives, from the mobile device of the customer, a selection of goods or services to be purchased by the customer.

22. A system comprising:

one or more computers; and

a non-transitory storage device storing instructions operable to cause the one or more computers to perform operations comprising;

receiving a networked communication, at a merchant device and from a server, the networked communication including an identifier identifying a customer, the identifier being received during a first time period in which a first geolocation of a mobile device of the customer is not within a threshold proximity of the merchant device;

providing for display, on the merchant device, the identifier during a second time period in which a second geolocation of the mobile device is not within the threshold proximity of the merchant device;

receiving, by the merchant device, a selection of the identifier, the selection occurring during a third time period in which a third geolocation of the mobile device is within the threshold proximity of the merchant device;

providing for display, on the merchant device, a list of selected goods or services to be purchased by the customer from a merchant associated with the merchant device;

in response to receiving a first input indicating receipt of identification information that corresponds to the identifier, providing for display identity verification data of the customer, the identity verification data being received by the merchant device from the server; and

in response to receiving a second input indicating that the identification information is consistent with the identity verification data, submitting, by the merchant device to the server, a request to approve an electronic payment transaction for the selected goods or services.

23. The system of claim 22, wherein the list of selected goods or services is received by the merchant device after receiving the first input indicating receipt of identification information that corresponds to the identifier.

24. The system of claim 22, wherein the list of selected goods or services is received by the merchant device from the server based on customer input into the mobile device of the customer.

25. The system of claim 24, wherein the list of selected goods or services is received together with the identifier of the customer from the server.

26. The system of claim 22, wherein:

the identifier of the customer includes at least one of a name, a nickname, or a user name of the customer; and

the identity verification data includes at least one of a pass phrase of the customer, a personal identification number of the customer, or an image of the customer.

27. The system of claim 22, the operations further comprising providing for display, on the merchant device, a list of a plurality of customer identifiers including the identifier of the customer.

28. The system of claim 27, wherein the list of the plurality of customer identifiers is ordered based at least in part on time of receipt of the identifier of the customer from the server.

29. The system of claim 27, wherein the list of the plurality of customer identifiers is ordered based at least in part on time of receipt of the selection of goods or services.

30. The system of claim 22, wherein the threshold proximity of the merchant device is based on a geofence associated with the merchant device.