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Third party check-in associations with cloud wallet

  • US 9,818,093 B1
  • Filed: 06/14/2012
  • Issued: 11/14/2017
  • Est. Priority Date: 06/14/2012
  • Status: Active Grant
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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