Third party check-in associations with cloud wallet
First Claim
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1. A computer-implemented method for secure transaction at a point of sale (POS) system, the computer-implemented method comprising:
- under control of one or more servers configured with executable instructions,receiving, by a cloud wallet system, a first user check-in from a third party social network system, the first user check-in locating a first user device of a first user at a first merchant, the cloud wallet system being a centralized network based entity that maintains user payment information and processes transactions between merchant accounts and users, wherein the first merchant is of a first category;
receiving, by the cloud wallet system, a second user check-in at the third party social network system, the second user check-in locating a second user device of a second user at a second merchant, the second merchant is of a second category that is different from the first category,wherein the third party social network system (i) is different from the cloud wallet system, (ii) is in communication with the cloud wallet system over a communications network, and (iii) provides social network services to a plurality of users;
receiving a request for a transaction amount, at the cloud wallet system, from a first merchant device of the first merchant during or after a first point-of-sale (POS) transaction with the first user, the first POS transaction including a purchase of one or more items or one or more services by the first user from the first merchant for the transaction amount, whereby the first user does not need to present any payment instrument to the POS system of the merchant, thereby increasing security associated with handling payment instruments;
permitting, by the cloud wallet system, the first POS transaction to be conducted between the first merchant and the first user based on the first POS transaction being conducted within a first amount of time subsequent to receiving, by the cloud wallet system, the first user check-in, the first amount of time based on the first category of the first merchant and stored user purchase habits with the first category of the first merchant;
permitting, by the cloud wallet system, a second POS transaction to be conducted between the second merchant and the second user based on the second POS transaction being conducted within a second amount of time subsequent to receiving, by the cloud wallet system, the second user check-in, the second amount of time based on the second category of the second merchant and stored user purchase habits with the second category of the second merchant, and the second amount of time being different from the first amount of time based on the first category being different from the second category; and
causing the transaction amount to be transferred from a payment account of the first user at the cloud wallet system to a payment account of the first merchant.
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Abstract
A cloud wallet system may receive an indication from a third party system that a user has checked-in at a merchant. The cloud wallet system then determines whether the merchant has an account with the cloud wallet system so that a point-of-sale (POS) purchase can be processed via the user check-in. If the merchant has an account with the cloud wallet system, a user profile corresponding to the user is sent to the merchant and a point-of-sale transaction based on a third party user check-in may be processed by the merchant through the cloud wallet system.
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Citations
16 Claims
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1. A computer-implemented method for secure transaction at a point of sale (POS) system, the computer-implemented method comprising:
under control of one or more servers configured with executable instructions, receiving, by a cloud wallet system, a first user check-in from a third party social network system, the first user check-in locating a first user device of a first user at a first merchant, the cloud wallet system being a centralized network based entity that maintains user payment information and processes transactions between merchant accounts and users, wherein the first merchant is of a first category; receiving, by the cloud wallet system, a second user check-in at the third party social network system, the second user check-in locating a second user device of a second user at a second merchant, the second merchant is of a second category that is different from the first category, wherein the third party social network system (i) is different from the cloud wallet system, (ii) is in communication with the cloud wallet system over a communications network, and (iii) provides social network services to a plurality of users; receiving a request for a transaction amount, at the cloud wallet system, from a first merchant device of the first merchant during or after a first point-of-sale (POS) transaction with the first user, the first POS transaction including a purchase of one or more items or one or more services by the first user from the first merchant for the transaction amount, whereby the first user does not need to present any payment instrument to the POS system of the merchant, thereby increasing security associated with handling payment instruments; permitting, by the cloud wallet system, the first POS transaction to be conducted between the first merchant and the first user based on the first POS transaction being conducted within a first amount of time subsequent to receiving, by the cloud wallet system, the first user check-in, the first amount of time based on the first category of the first merchant and stored user purchase habits with the first category of the first merchant; permitting, by the cloud wallet system, a second POS transaction to be conducted between the second merchant and the second user based on the second POS transaction being conducted within a second amount of time subsequent to receiving, by the cloud wallet system, the second user check-in, the second amount of time based on the second category of the second merchant and stored user purchase habits with the second category of the second merchant, and the second amount of time being different from the first amount of time based on the first category being different from the second category; and causing the transaction amount to be transferred from a payment account of the first user at the cloud wallet system to a payment account of the first merchant. - View Dependent Claims (2, 3, 4)
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5. A system comprising:
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one or more processors; one or more memories coupled to the one or more processors; a registration module, stored in the one or more memories and executable by the one or more processors, that registers one or more users and one or more merchants with the system, wherein the one or more users includes a first user, and wherein the one or more merchants includes (i) a first merchant that is of a first category and (ii) a second merchant that is of a second category; a check-in access module, stored in the one or more memories and executable by the one or more processors, that accesses check-in information at one or more third party systems for the one or more users; a user profile distribution module, stored in the one or more memories and executable by the one or more processors, that distributes profiles to the one or more merchants based at least in part on the accessed check-in information; and a transaction processing module, stored in the one or more memories and executable by the one or more processors, that processes one or more point-of-sale (POS) transactions at the one or more merchants based at least in part on the distributed profiles, wherein the transaction processing module processes a first POS transaction between the first user and the first merchant if the first POS transaction is conducted within a first amount of time from the check-in access module accessing check-in information for the first user at the first merchant, the first amount of time based on the first category of the first merchant and stored user purchase habits with the first category of the first merchant, wherein the transaction processing module processes a second POS transaction between the first user and the second merchant if the second POS transaction is conducted within a second amount of time from the check-in access module accessing check-in information for the first user at the second merchant, the second amount of time based on the second category of the second merchant and stored user purchase habits with the second category of the second merchant, and wherein the first time period is different from the second time period based on the first category of the first merchant being different from the second category of the second merchant. - View Dependent Claims (6, 7, 8, 10, 11, 12)
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9. A system comprising:
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one or more processors; one or more memories coupled to the one or more processors, the one or more memories comprising computer executable instructions that, when executed on the one or more processors, performs operations comprising; receiving, by a cloud wallet system, a first user check-in from a third party social network system, the first user check-in locating a first user device of a first user at a first merchant, the cloud wallet system being a centralized network based entity that maintains user payment information and processes transactions between merchant accounts and users, wherein the first merchant is of a first category; receiving, by the cloud wallet system, a second user check-in at the third party social network system, the second user check-in locating a second user device of a second user at a second merchant, the second merchant is of a second category that is different from the first category, wherein the third party social network system (i) is different from the cloud wallet system, (ii) is in communication with the cloud wallet system over a communications network, and (iii) provides social network services to a plurality of users; receiving a request for a transaction amount, at the cloud wallet system, from a first merchant device of the first merchant during or after a first point-of-sale (POS) transaction with the first user, the first POS transaction including a purchase of one or more items or one or more services by the first user from the first merchant for the transaction amount, whereby the first user does not need to present any payment instrument to the POS system of the merchant, thereby increasing security associated with handling payment instruments; permitting, by the cloud wallet system, the first POS transaction to be conducted between the first merchant and the first user based on the first POS transaction being conducted within a first amount of time subsequent to receiving, by the cloud wallet system, the first user check-in, the first amount of time based on the first category of the first merchant and stored user purchase habits with the first category of the first merchant; permitting, by the cloud wallet system, a second POS transaction to be conducted between the second merchant and the second user based on the second POS transaction being conducted within a second amount of time subsequent to receiving, by the cloud wallet system, the second user check-in, the second amount of time based on the second category of the second merchant and stored user purchase habits with the second category of the second merchant, and the second amount of time being different from the first amount of time based on the first category being different from the second category; and causing the transaction amount to be transferred from a payment account of the first user at the cloud wallet system to a payment account of the first merchant.
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13. A computer-implemented method comprising:
under control of one or more servers configured with executable instructions, registering one or more users and one or more merchants with a cloud wallet system, wherein the one or more users includes a first user, and wherein the one or more merchants includes (i) a first merchant that is of a first category and (ii) a second merchant that is of a second category; accessing check-in information at one or more third party systems for the one or more users; distributing profiles to the one or more merchants based at least in part on the accessed check-in information; and processing one or more point-of-sale (POS) transactions at the one or more merchants based at least in part on the distributed profiles, processing a first POS transaction between the first user and the first merchant if the first POS transaction is conducted within a first amount of time from accessing check-in information for the first user at the first merchant, the first amount of time based on the first category of the first merchant and stored user purchase habits with the first category of the first merchant, processing a second POS transaction between the first user and the second merchant if the second POS transaction is conducted within a second amount of time from accessing check-in information for the first user at the second merchant, the second amount of time based on the second category of the second merchant and stored user purchase habits with the second category of the second merchant, and wherein the first time period is different from the second time period based on the first category of the first merchant being different from the second category of the second merchant. - View Dependent Claims (14, 15, 16)
Specification