SYSTEMS AND METHODS FOR PROVIDING PAYMENT HOTSPOTS
First Claim
1. A mobile system, comprising:
- a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the mobile system to perform operations comprising;
transmitting a payment hotspot request to a server, wherein the server associates a payment hotspot identifier with the mobile system;
broadcasting, via short-range communications, the payment hotspot identifier to generate a payment hotspot;
receiving, via the short-range communications, a payment request from a user device at the payment hotspot based on the user device detecting the payment hotspot identifier; and
transmitting the payment request to the server to cause the server to facilitate a transfer of funds between an account associated with the mobile system and an account associated with the user device.
2 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods are provided for facilitating payments between users of the system such as person-to-person payments using a payment hotspot. A payment hotspot or payspot may be generated by a first user device of a first user to facilitate a transfer of funds between the first user and the second user. The payspot may be a virtual payment portal that allows secure payment between the users without either of the users having to provide identifying information to the other user. The payspot may be accessed by the second user based on the proximity of a second user device of the second user to the first user device or the first user may provide an identification code of the payspot to the second user. The second user may access the payspot by communicating with a payment server with the second user device, through the first user device.
27 Citations
20 Claims
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1. A mobile system, comprising:
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a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the mobile system to perform operations comprising; transmitting a payment hotspot request to a server, wherein the server associates a payment hotspot identifier with the mobile system; broadcasting, via short-range communications, the payment hotspot identifier to generate a payment hotspot; receiving, via the short-range communications, a payment request from a user device at the payment hotspot based on the user device detecting the payment hotspot identifier; and transmitting the payment request to the server to cause the server to facilitate a transfer of funds between an account associated with the mobile system and an account associated with the user device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method, comprising:
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transmitting, by a first user device, a payment hotspot request to a server, wherein the server associates a payment hotspot identifier with the first user device; broadcasting, by the first user device via short-range communications, the payment hotspot identifier; determining a payment request based on a second user device detecting the payment hotspot identifier; and transmitting the payment request to the server to cause the server to facilitate a transfer of funds between an account associated with the first user device and an account associated with the second user device. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
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transmitting a payment hotspot request to a server, wherein the server associates a payment hotspot identifier with a first user; generating, via short-range communications, a payment hotspot by broadcasting the payment hotspot identifier; receiving, via the short-range communications, a payment request from a user device of a second user based on the user device detecting the payment hotspot identifier; and transmitting the payment request to the server to cause the server to facilitate a transfer of funds between an account associated with the first user and an account associated with the second user. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification