CARDLESS PAYMENT TRANSACTIONS
First Claim
1. A method of processing a transaction between a customer and a merchant, comprising:
- receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant;
receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant;
after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer;
receiving data indicating a transaction between the customer and the merchant; and
submitting the transaction to a financial service for authorization.
2 Assignments
0 Petitions
Accused Products
Abstract
A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.
217 Citations
51 Claims
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1. A method of processing a transaction between a customer and a merchant, comprising:
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receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant; receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant; after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer; receiving data indicating a transaction between the customer and the merchant; and submitting the transaction to a financial service for authorization. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 21)
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17. A method of performing a transaction with a merchant, comprising:
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receiving in a mobile device a location of a merchant; determining in the mobile device whether the mobile device is within a predetermined distance of the location of the merchant; sending from the mobile device to a computer system of a third party an indication that the customer is within a predetermined distance of the merchant; sending from the mobile device to the computer system of the third party an indication of consent to perform a cardless payment transaction with the merchant; and receiving in the mobile device from the computer system of the third party a record of a transaction with the merchant. - View Dependent Claims (18, 19, 20)
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22. A method of performing a transaction with a customer, comprising:
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receiving an indication from a computer system of a third party that a customer is present within a predetermined distance and personal identifying information for the customer; displaying an option to perform a cardless payment transaction with the customer and displaying the personal identifying information; receiving user input selecting the option; receiving user input identifying a transaction with the customer including at least an amount of the transaction; sending data indicating the transaction to the computer system of the third party; and receiving from the computer system of the third party a record of a transaction. - View Dependent Claims (23, 24, 25)
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26. A computer program product, tangibly embodied in a machine readable storage media, comprising instructions for causing a processor to:
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receive from a mobile device of a customer or from another device of the customer an indication of consent to perform a cardless payment transaction with a merchant; receive from the mobile device an indication that the customer is within a predetermined distance of the merchant; after receiving both the indication of consent and the indication that the customer is within the predetermined distance, send to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer; and receive data indicating a transaction between the customer and the merchant; and submit the transaction to a financial service for authorization. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41)
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42. A computer program product, tangibly embodied in a machine readable storage media, comprising instructions for causing a processor to:
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receive in a mobile device of a customer a location of a merchant; determine in the mobile device whether the mobile device is within a predetermined distance of the location of the merchant; send from the mobile device to a computer system of a third party an indication that the customer is within a predetermined distance of the merchant; send from the mobile device to the computer system of the third party an indication of consent to perform a cardless payment transaction with the merchant; and receive in the mobile device from the computer system of the third party a record of a transaction with the merchant. - View Dependent Claims (43, 44, 45, 46)
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47. A computer program product, tangibly embodied in a machine readable storage media, comprising instructions for causing a processor to:
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receive an indication from a computer system of a third party that a customer is present within a predetermined distance and personal identifying information for the customer; display an option to perform a cardless payment transaction with the customer and displaying the personal identifying information; receive user input selecting the option; receive user input identifying a transaction with the customer including at least an amount of the transaction; send data indicating the transaction to the computer system of the third party; and receive from the computer system of the third party a record of a transaction. - View Dependent Claims (48, 49, 50)
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51. A system for processing a transaction between a customer and a merchant, comprising:
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a customer mobile device; a merchant computer system; and a server system, wherein the customer mobile device, merchant computer system and server system are configured to perform an operation in which the mobile device receives customer input indicating consent to perform a cardless payment transaction with the customer and sends to the server system an indication of the consent, the mobile device receives a location of a merchant, determines whether the mobile device is within a predetermined distance of the location of the merchant, and if the mobile device is within the predetermined distance send to the server system an indication that the customer is within the predetermined distance, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, the server system sends to the merchant computer system an indication of the presence of the customer and personal identifying information for the customer, the merchant computer system displays an option to perform a cardless payment transaction with the customer and displays the personal identifying information, receives merchant input identifying a transaction with the customer including at least an amount of the transaction, and sends data indicating the transaction to the server system, the server system submits the transaction to a financial service for authorization, receives an indication from the financial service that the transaction is authorized, and sends a record of the transaction to the mobile device and to the merchant computer system.
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Specification