Location aware transaction authorization
First Claim
Patent Images
1. A computer-implemented method comprising:
- under control of one or more computing devices configured with executable instructions,receiving a first request from a first user device associated with a user having a payment account, the request to make a payment using the payment account;
determining a location associated with the first user device;
receiving, via the one or more computing devices, a second request from the first user device to identify one or more contacts that are (i) associated with the user that has the payment account and (ii) associated with respective user devices located at a same establishment as the first user device or located within a threshold distance from the first user device;
receiving a selection of at least a first contact of the one or more contacts;
sending, via at least one of the one or more computing devices, a third request to at least a second user device associated with the first contact, the third request to solicit at least a partial amount of the payment as a reimbursement payment to the user;
receiving, from at least the second user device, approval for the reimbursement payment from the first contact; and
designating the reimbursement payment for deposit into the payment account.
1 Assignment
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Accused Products
Abstract
A mobile payment network receives location information from mobile devices used to conduct transactions between two account holders, and qualifies any requested transactions based on the physical proximity of the two devices relative to each other.
21 Citations
20 Claims
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1. A computer-implemented method comprising:
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under control of one or more computing devices configured with executable instructions, receiving a first request from a first user device associated with a user having a payment account, the request to make a payment using the payment account; determining a location associated with the first user device; receiving, via the one or more computing devices, a second request from the first user device to identify one or more contacts that are (i) associated with the user that has the payment account and (ii) associated with respective user devices located at a same establishment as the first user device or located within a threshold distance from the first user device; receiving a selection of at least a first contact of the one or more contacts; sending, via at least one of the one or more computing devices, a third request to at least a second user device associated with the first contact, the third request to solicit at least a partial amount of the payment as a reimbursement payment to the user; receiving, from at least the second user device, approval for the reimbursement payment from the first contact; and designating the reimbursement payment for deposit into the payment account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system comprising:
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one or more processors; and memory storing computer-executable instructions that, when executed, cause the one or more processors to; cause a payment to be made from a first account associated with a first user having a first user device; determine a location associated with the first user device; receive a request from the first user device to collect a reimbursement payment from one or more contacts that are located at a same establishment as the first user device or located within a threshold distance from the first user device; identify at least a second account associated with a second user and a second user device based at least in part on the second user device being located at the same establishment as the first user device or located within the threshold distance from the first user device and based at least in part on the second user being one of the one or more contacts of the first user; send a reimbursement request to at least the second user device to solicit the reimbursement payment to the user; receive, from at least the second user device, approval for the reimbursement payment; and designate the reimbursement payment for deposit from the first account to the second account. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A computer-implemented method comprising:
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determining a location associated with a first user device; receiving, via one or more computing devices, a user request from the first user device to identify at least a second user device that is (i) associated with a second user that is a contact of a first user of the first user device and (ii) located at a same establishment as the first user device or located within a threshold distance from the first user device; sending a reimbursement request to at least the second user device associated with the second user, the reimbursement request to solicit a reimbursement payment for an account associated with the first user; and depositing the reimbursement payment into the account in response to receipt, from at least the second user device, of an approval for the reimbursement payment. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification