Systems and methods for mobile ordering and payment

• US 9,886,706 B2
• Filed: 01/07/2014
• Issued: 02/06/2018
• Est. Priority Date: 03/20/2009
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Tamassia, Hugh Robert, Stransky, Peter Franklin, Acharya, Ravi, Avatara, Satyan
• Primary Examiner(s): Garg, Yogesh C
• Application Number:
  US14/149,363
• Publication Number:
  US 20140122301A1
• Time in Patent Office: 1,491 Days
• Field of Search: 705 261, 705 2641
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• CPC Class Codes: G06Q 10/063 Operations research, analysis or management
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0635 Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Computer implemented methods and systems for fulfilling a customer request for a requested item purchased from a merchant is provided. The method may be performed by a tangibly embodied processing machine disposed in a customer device. The method may include (1) observing, through the input of information, an observed event that is associated with a customer; (2) associating the observed event with a corresponding order record; (3) retrieving order information from the corresponding order record, the order information including at least customer financial entity account information; (4) generating a merchant request based at least in part on the order information in the corresponding order record, the merchant request including at least customer identification information and customer financial entity account information; and (5) outputting the merchant request to the designated merchant, so as to provide the designated merchant with information to fulfill the customer request.

Claims

1. A computer implemented method for fulfilling a request of a customer for a requested item to be purchased from a merchant, the method including:

receiving, by a merchant processor, a merchant request from a customer device, the merchant request comprising order information and customer financial entity account information;

displaying, by the merchant processor, at least a portion of the merchant request so as to allow the merchant to fulfill the request of the customer, the request of the customer constituting a transaction comprising;

observing an observed event by the customer device, wherein the observed event is associated with the performance of the customer device or the customer, the observing the observed event triggering the merchant request;

mapping the observed event with a corresponding order record stored in a database within the customer device;

retrieving the order record from the database, the order record including at least customer financial entity account information and ordering information for the customer request;

generating the merchant request based on the order record, the merchant request that is generated including at least the ordering information and customer financial entity account information; and

outputting the merchant request to the designated merchant processor;

sending, by the merchant processor, an authorization request to a customer financial entity, the authorization request including the customary financial entity account information;

receiving, by the merchant processor, an approval from the customer financial entity in response to the authorization request; and

processing, by the merchant processor, the merchant request from the customer device.

2. The computer implemented method of claim 1, wherein the order record comprises the customer financial entity account information and the order information, the order information comprising details of the requested item to be purchased from the merchant.

3. The computer implemented method of claim 1, further comprising:

receiving, by the merchant processor, an indication from the customer device that the transaction has been funded.

4. The computer implemented method of claim 1, further comprising:

sending, by the merchant processor, an indication to the customer device that the requested item is being prepared or is ready for pickup.

5. The computer implemented method of claim 1, wherein the event observed by the customer device is constituted by satisfaction of trigger data, the satisfaction of the trigger data reflecting an input received at the customer device from the customer.

6. The computer implemented method of claim 5, wherein the event observed by the customer device, which satisfied the trigger data, is constituted by key strokes input from the customer.

7. The computer implemented method of claim 5, wherein the event observed by the customer device, which satisfied the trigger data, is constituted by a predetermined geographical location of the customer device.

8. The computer implemented method of claim 5, wherein the event observed by the customer device, which satisfied the trigger data, is constituted by a predetermined physical movement of the customer device.

9. The computer implemented method of claim 8, wherein the predetermined physical movement of the customer device is constituted by comparing a position of the customer device with respect to a merchant machine at a location of the merchant.

10. The computer implemented method of claim 1, further comprising:

receiving, by the merchant processor, a depiction of the customer or of a vehicle used by the customer, wherein the depiction is textual, graphical, or pictorial.

11. The computer implemented method of claim 1, further comprising:

sending, by the merchant processor, a confirmation request to the customer device to confirm the order information; and

receiving, by the merchant processor, a confirmation from the customer device indicative of a customer'"'"'s desire to purchase the requested item from the merchant.

12. The computer implemented method of claim 1, wherein a prior order record is sent by the merchant to the customer device for storage in the database within the customer device before receiving the merchant request from the customer device.

13. The computer implemented method of claim 12, wherein the order record sent by the merchant to the customer device is associated with a promotion offered by the merchant.

14. The computer implemented method of claim 1, wherein the method is performed such that both the customer request is prepared and an associated financial transaction is completed prior to the merchant interfacing with the customer at a physical premise of the merchant.

15. A computer processing system that fulfills a customer request for a requested item to be purchased from a merchant, the computer processing system including:

at least one tangibly embodied processing portion that is configured to;

receive a merchant request from a customer device, the merchant request comprising order information and customer financial entity account information;

display at least a portion of the merchant request so as to allow the merchant to fulfill the request of the customer, the request of the customer constituting a transaction comprising;

observing an observed event by the customer device, wherein the observed event is associated with the performance of the customer device or the customer, the observing the oberved event triggering the merchant request;

mapping the observed event with a corresponding order record stored in a database within the customer device;

retrieving the order record from the database, the order record including at least customer financial entity account information and ordering information for the customer request;

generating the merchant request based on the order record, the merchant request that is generated including at least the ordering information and customer financial entity account information; and

outputting the merchant request to the designated merchant processor;

send, by the merchant processor, an authorization request to a customer financial entity, the authorization request including the customer financial entity account information;

receive, by the merchant processor, an approval from the customer financial entity in response to the authorization request; and

process, by the merchant processor, the merchant request from the customer device.

16. A non-transitory computer readable medium including code that fulfills a customer request for a requested item to be purchased from a merchant, the computer readable medium including:

a first portion that receives a merchant request from a customer device, the merchant request comprising order information and customer financial entity account information;

a second portion that receives an indication that the transaction has been funded;

a third portion that displays at least a portion of the merchant request so as to allow the merchant to fulfill the request of the customer, the request of the customer constituting a transaction comprising;

observing an observed event by the customer device, wherein the observed event is associated with the performance of the customer device or the customer, the observing the observed event triggering the merchant request;

mapping the observed event with a corresponding order record stored in a database within the customer device;

retrieving the order record from the database, the order record including at least customer financial entity account information and ordering information for the customer request;

generating the merchant request based on the order record, the merchant request that is generated including at least the ordering information and customer financial entity account information; and

outputting the merchant request to the designated merchant processor;

a fourth portion that sends an authorization request to a customer financial entity, the authorization request including the customer financial entity account information;

a fifth portion that receives an approval from the customer financial entity in response to the authorization request;

a sixth portion that processes the merchant request from the customer device; and

a seventh portion that sends an indication to the customer device that the requested item is being prepared or is ready for pickup.