Mobile card processing using multiple wireless devices

• US 9,824,504 B2
• Filed: 07/21/2015
• Issued: 11/21/2017
• Est. Priority Date: 01/18/2012
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Square Inc (Block, Inc. (f/k/a Square, Inc.))
• Inventors: Aaron, Paul, Morel, Shawn, Wen, Xuancong, Mantia, Louie, Scrivner, Daniel, Andersen, Robert, Dorsey, Jack, Clark, Christopher
• Primary Examiner(s): Erb, Nathan
• Application Number:
  US14/804,627
• Publication Number:
  US 20150325057A1
• Time in Patent Office: 854 Days
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G07B 13/00 Taximeters measuring distance travelled G01C; measuring time G04
• CPC Class Codes: G07B 13/02 Details; Accessories
• CPC Class Codes: G07B 15/02 taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems G07B15/06 takes precedence; taximeters G07B13/00; parking meters per se G07F17/24; car rental systems per se G07B15/00

Abstract

A payment transaction between a passenger and a driver may be processed using a mobile device of the passenger and a mobile device of the driver. For example, the mobile device of the passenger and the mobile device of the driver may be associated for processing the payment transaction. Fare data for a ride that is offered by the driver may be received from the mobile device that is associated with the driver and payment data for the passenger may be received from the mobile device that is associated with the passenger. A payment processing server may cause the payment transaction to be processed.

Claims

1. A method comprising:

receiving, by a payment processing server, and from a first mobile computing device associated with a driver, first information associated with the first mobile computing device, the first information including at least one of a location, a time, a random number, or a unique identification;

receiving, by the payment processing server, second information from a second mobile computing device associated with a passenger, the second information corresponding to the first information and including at least one of the location, the time, the random number, or the unique identification;

determining that the first information received from the first mobile computing device corresponds to the second information received from the second mobile computing device;

creating, by the payment processing server and based at least in part on the determining that the first information corresponds to the second information, an association between the first mobile computing device and the second mobile computing device for authorizing, by the payment processing server, a payment transaction between the driver and the passenger using the second mobile computing device, the payment transaction being for a ride provided by the driver to the passenger;

receiving, by the payment processing server and from the first mobile computing device, fare data for the ride, the fare data indicating a cost of the ride, the fare data being based at least in part on data of a meter that is associated with the first mobile computing device;

based at least in part on the receiving of the fare data for the ride from the first mobile computing device;

determining, by the payment processing server, that the second mobile computing device is associated with the first mobile computing device using the association between the first mobile computing device and the second mobile computing device; and

based at least in part on the determining that the second mobile computing device is associated with the first mobile computing device, sending, by the payment processing server, third information to be displayed on the second mobile computing device to enable the passenger to authorize processing of the payment transaction, the third information including the cost of the ride from the fare data;

receiving, from the second mobile computing device, payment data for the passenger, the payment data being obtained at the second mobile computing device via a card reader, the payment data identifying a payment card associated with the passenger to be used to pay for the ride;

sending, by the payment processing server, a request to a card payment service to approve the payment card;

receiving, by the payment processing server, a response from the card payment service regarding approval of the payment card; and

based at least in part on the receiving of the response from the card payment service regarding approval of the payment card, sending, by the payment processing server, a confirmation to the first mobile computing device regarding approval of the payment transaction.

2. The method of claim 1, further comprising sending, by the payment processing server and to the second mobile computing device, one or more prior destinations associated with the passenger for display of the one or more prior destinations on the second mobile computing device.

3. The method of claim 2, further comprising:

receiving fourth information describing a passenger selection of one of the one or more prior destinations; and

causing the prior destination of the passenger selection to be displayed on the first mobile computing device.

4. The method of claim 1, further comprising:

determining a personalized advertisement for the passenger based at least in part on the payment data; and

sending, by the payment processing server and to the second mobile computing device, data containing the personalized advertisement.

5. The method of claim 1, wherein the payment data includes at least one of a cardholder name for the payment card or a card number for the payment card.

6. The method of claim 1, further comprising causing display of a graphical user interface configured to receive passenger input identifying a tip.

7. The method of claim 1, further comprising:

receiving, from the first mobile computing device, en route fare data indicating a cost of the ride at a point on a route to a final destination for the ride; and

causing fourth information to be displayed on the second mobile computing device, the fourth information including the cost of the ride at the point on the route to the final destination for the ride.

8. The method of claim 1, wherein the first information includes the random number and the second information includes the random number.

9. A payment processing system comprising:

one or more processors; and

memory communicatively coupled to the one or more processors and storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising;

receiving, from a first mobile computing device associated with a driver,

first information associated with the first mobile computing device, the first information including at least one of a location, a time, a random number, or a unique identification,

receiving second information from a second mobile computing device associated with a passenger, the second information corresponding to the first information and including at least one of the location, the time, the random number, or the unique identification;

identifying that the first information received from the first mobile computing device corresponds to the second information received from the second mobile computing device;

creating, based at least in part on the identifying that the first information corresponds to the second information, an association between the first mobile computing device and the second mobile computing device for authorizing a payment transaction between the driver and the passenger using the second mobile computing device for a ride provided by the driver to the passenger;

receiving, from the first mobile computing device, fare data for the ride, the fare data including one or more of a duration of time of the ride, a distance traveled for the ride, or an amount of a passenger fare for the ride;

sending, based at least in part on the receiving of the fare data and the association between the first mobile computing device and the second mobile computing device, third information to be displayed on the second mobile computing device to enable the passenger to authorize processing of the payment transaction;

receiving, from the second mobile computing device, payment data for the passenger, the payment data identifying a payment card associated with the passenger to be used to pay for the ride;

sending a request to a card payment service to approve the payment card;

receiving a response from the card payment service regarding approval of the payment card; and

based at least in part on the receiving of the response from the card payment service regarding approval of the payment card, sending a confirmation to at least one of the first mobile computing device or the second mobile computing device regarding approval of the payment transaction.

10. The payment processing system of claim 9, wherein the payment data is obtained at the second mobile computing device via a card reader.

11. The payment processing system of claim 9, wherein the payment data is received from the second mobile computing device after sending the fare data to the second mobile computing device.

12. The payment processing system of claim 9, wherein the payment data is received from the second mobile computing device after the fare data is received from the first mobile computing device.

13. The payment processing system of claim 9, wherein the operations further comprise:

sending, to the second mobile computing device, fourth information describing one or more destinations for display of the fourth information on the second mobile computing device;

receiving fifth information describing a passenger selection of one of the one or more destinations; and

causing a route of the ride to be set to the destination of the passenger selection.

14. The payment processing system of claim 9, wherein the operations further comprise:

determining a personalized advertisement for the passenger based at least in part on the payment data; and

sending data containing the personalized advertisement to the second mobile computing device.

15. The payment processing system of claim 9, wherein the payment data includes at least one of a cardholder name for the payment card or a card number for the payment card.

16. The payment processing system of claim 9, wherein the operations further comprise causing display of a graphical user interface on the second mobile computing device to enable the passenger to provide input regarding a tip for the ride.

17. The payment processing system of claim 9, wherein the first information from the first mobile computing device includes the location and the second information from the second mobile computing device includes the location.

18. One or more non-transitory computer-readable media storing instructions that, when executed by one or more processors of a payment processing system, cause the one or more processors to perform operations comprising:

receiving first information from a first mobile computing device associated with a driver, the first information including at least one of a location, a time, a random number, or a unique identifier;

receiving second information from a second mobile computing device associated with a passenger, the second information corresponding to the first information and including at least one of the location, the time, the random number, or the unique identifier;

identifying that the first information received from the first mobile computing deice corresponds to the second information from the second mobile computing device;

creating, based at least in part on the identifying that the first information corresponds to the second information, an association between the first mobile computing device and the second mobile computing device for authorizing a payment transaction between the driver and the passenger using the second mobile computing device for a ride provided by the driver to the passenger;

receiving, from the first mobile computing device, fare data for the ride, the fare data including one or more of a duration of time of the ride, a distance traveled for the ride, or an amount of a passenger fare for the ride;

sending, based at least in part on the receiving of the fare data and the association between the first mobile computing device and the second mobile computing device, third information to be displayed on the second mobile computing device to enable the passenger to authorize processing of the payment transaction;

sending a request to a card payment service to approve a payment card associated with the passenger;

receiving a response from the card payment service regarding approval of the payment card; and

based at least in part on the receiving of the response from the card payment service regarding approval of the payment card, sending a confirmation to at least one of the first mobile computing device or the second mobile computing device regarding approval of the payment transaction.

19. The one or more non-transitory computer-readable media of claim 18, wherein the operations further comprise receiving, from the second mobile computing device, payment data for the passenger, the payment data being obtained at the second mobile computing device via a card reader, the payment data identifying the payment card.

20. The one or more non-transitory computer-readable media of claim 18, wherein the operations further comprise:

sending, to the second mobile computing device, fourth information describing one or more destinations for display of the fourth information on the second mobile computing device;

receiving fifth information describing a passenger selection of one of the one or more destinations; and

causing a route of the ride to be set to the destination of the passenger selection.

21. The one or more non-transitory computer-readable media of claim 19, wherein the operations further comprise:

determining a personalized advertisement for the passenger based at least in part on the payment data; and

sending data containing the personalized advertisement to the second mobile computing device.

22. The one or more non-transitory computer-readable media of claim 18, wherein the operations further comprise causing display of a graphical user interface on the second mobile computing device to enable the passenger to provide input regarding a tip for the ride.

23. The one or more non-transitory computer-readable media of claim 18, wherein the first information from the first mobile computing device includes the unique identifier and the second information from the second mobile computing device includes the unique identifier.