Location-based automatic payment system
First Claim
Patent Images
1. A method for making an electronic location-based automatic payment that provides time and location-based security, comprising:
- receiving, by a system provider device across a network from a payer device via a graphical user interface displayed on the payer device, an automatic payment instruction that designates a payee account, a payment location, and a payment time period;
associating, by the system provider device in a database, the automatic payment instruction with a payer account that is linked to the payer device;
receiving, by the system provider device across the network from the payer device at each of a plurality of different times that are subsequent to the association of the automatic payment instruction with the payer account, Global Positioning System (GPS) information that is generated by a GPS device in the payer device;
determining, by the system provider device at each of the plurality of different times, whether automatic payment conditions are satisfied by determining whether;
the payer device is in the payment location in response to the GPS information corresponding to the payment location; and
that a current time is within the payment time period; and
automatically causing, by the system provider device or each of one or more instances in which it is determined that the automatic payment conditions are satisfied, a payment to be made from the payer account to the payee account designated by the automatic payment instruction.
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Accused Products
Abstract
A method for making a location-based automatic payment includes receiving an automatic payment instruction that designates a payee account. The automatic payment instruction is associated with a payer account in a database. A payment location is received and associated with the automatic payment request in the database. A payer device that is associated with the payer account is determined to be in the payment location and, in response, a payment request is sent over a network to make a payment from the payer account to the payee account.
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Citations
20 Claims
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1. A method for making an electronic location-based automatic payment that provides time and location-based security, comprising:
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receiving, by a system provider device across a network from a payer device via a graphical user interface displayed on the payer device, an automatic payment instruction that designates a payee account, a payment location, and a payment time period; associating, by the system provider device in a database, the automatic payment instruction with a payer account that is linked to the payer device; receiving, by the system provider device across the network from the payer device at each of a plurality of different times that are subsequent to the association of the automatic payment instruction with the payer account, Global Positioning System (GPS) information that is generated by a GPS device in the payer device; determining, by the system provider device at each of the plurality of different times, whether automatic payment conditions are satisfied by determining whether; the payer device is in the payment location in response to the GPS information corresponding to the payment location; and that a current time is within the payment time period; and automatically causing, by the system provider device or each of one or more instances in which it is determined that the automatic payment conditions are satisfied, a payment to be made from the payer account to the payee account designated by the automatic payment instruction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A non-transitory machine-readable medium having stored thereon machine-readable instructions excitable to cause a machine to perform operations comprising:
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receiving, across a network via a graphical user interface displayed on the payer device, an automatic payment instruction that designates a payee account, a payment location, and a payment time period; associating, in a database, the automatic payment instruction with a payer account that is linked to the payer device; receiving, across the network from the payer device at each of a plurality of different times that are subsequent to the association of the automatic payment instructions with the payer account, Global Positioning System (GPS) information that is generated by a GPS device in the payer device; subsequent to the association of the payment location with the automatic payment instruction, determining, at each of the plurality of different times, whether automatic payment instructions are satisfied by determining whether; the payer device is in the payment location in response to the GPS information corresponding to the payment location; and that a current time is within the payment time period; and automatically causing, for each of one or more instances in which it is determined that the automatic payment conditions are satisfied, a payment to be made from the payer account to the payee account designated by the automatic payment instruction. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. An electronic location-based automatic payment system that provides time and location-based security, comprising:
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a non-transitory memory; and one or more hardware processors configured to execute instructions to cause the system to perform operations comprising; receiving, across a network via a graphical user interface displayed on the payer device, an automatic payment instruction that designates a payee account, a payment location, and a payment time period; associating, in the non-transitory memory, the automatic payment instruction with a payer account that is linked to the payer device; receiving across the network from the payer device at each of a plurality of different times that are subsequent to the association of the automatic payment instruction with the payer account, Global Positioning System (GPS) information that is generated by a GPS device in the payer device; determining, at each of the plurality of different times whether automatic payment conditions are satisfied by determining whether; the payer device is in the payment location in response to the GPS information corresponding to the payment location; and that a current time is within the payment time period; and automatically causing, for each of one or more instances in which it is determined that the automatic payment conditions are satisfied, a payment to be made from the payer account to the payee account designated by the automatic payment instruction. - View Dependent Claims (18, 19, 20)
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Specification