System and methods for mobile ordering and payment

• US 8,645,222 B1
• Filed: 06/17/2011
• Issued: 02/04/2014
• 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: Acharya, Ravi, Ranganath, Satyan, Tamassia, Hugh Robert, Stransky, Peter Franklin
• Primary Examiner(s): Garg, Yogesh C
• Application Number:
  US13/163,153
• Time in Patent Office: 963 Days
• Field of Search: 705/26.1, 705/35, 705/72
• US Class Current: 705/26.1
• 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 customer request for a requested item to be purchased from a designated merchant, the method performed by a tangibly embodied processing machine disposed in a customer device, the customer device being a smart phone, the method including:

observing an observed event that is associated with processing performed by the smart phone, the observing the observed event triggering the customer request;

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

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

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

outputting the merchant request to the designated merchant, so as to provide the designated merchant with information to fulfill the customer request, the customer request constituting a transaction,

wherein retrieving the order information from the corresponding order record includes the order record being retrieved from the database within the smart phone.

2. The computer implemented method of claim 1, wherein the retrieving order information from the corresponding order record includes the customer financial entity account information and information regarding the designated merchant with which the transaction is to be performed.

3. The computer implemented method of claim 1, wherein retrieving order information from the corresponding order record includes the order record being retrieved from a financial processing system external to the smart phone.

4. The computer implemented method of claim 1, wherein the observed event is constituted by satisfaction of trigger data, the satisfaction of the trigger data reflecting an event experienced by the smart phone.

5. The computer implemented method of claim 4, the event experienced by the smart phone, which satisfied the trigger data, constituted by key strokes input from the customer.

6. The computer implemented method of claim 4, the event experienced by the smart phone, which satisfied the trigger data, constituted by a predetermined geographical location of the smart phone.

7. The computer implemented method of claim 4, the event experienced by the smart phone, which satisfied the trigger data, constituted by a predetermined physical movement of the smart phone.

8. The computer implemented method of claim 7, the predetermined physical movement of the smart phone constituted by comparing the position of the smart phone vis-à

-vis the designated merchant.

9. The computer implemented method of claim 4, wherein the observing the observed event, which triggers the customer request, is performed internal to a physical business of the merchant.

10. The computer implemented method of claim 4, wherein the observing the observed event, which triggers the customer request;

is performed external to a physical business of the merchant.

11. 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 a merchant system, of the designated merchant, interfacing with the customer at the physical premise of the merchant.

12. The computer implemented method of claim 1, further including:

generating a transaction request to secure a debit of an account of the customer to fund the customer request, the transaction request based at least in part on the order information in the corresponding order record, the transaction request including customer account information and a debit amount for the requested item; and

interfacing with a financial entity processing portion to secure approval of the transaction request.

13. The computer implemented method of claim 12, wherein the generating the transaction request and the interfacing with a financial entity processing portion to secure approval of the transaction request, are performed by the merchant, subsequent to receiving the merchant request.

14. The computer implemented method of claim 12, wherein the generating the transaction request and the interfacing with a financial entity processing portion to secure approval of the transaction request, are performed by the processing machine disposed in the customer mobile device, prior to the customer mobile device sending the merchant request.

15. The computer implemented method of claim 1, wherein the observed event is a physical manipulation of the smart phone vis-à

-vis a merchant processing system of the designated merchant.

16. The computer implemented method of claim 15, wherein the physical manipulation of the customer smart is constituted by a flick of the customer mobile device towards the merchant processing system of the designated merchant.

17. The computer implemented method of claim 15, wherein the physical manipulation of the customer mobile device vis-à

-vis the merchant processing system of the designated merchant generates a respective merchant request associated with tickets for a plurality of persons to gain access to a venue.

18. A computer processing system that fulfills a customer request for a requested item to be purchased from a merchant, the system constituted by a tangibly embodied processing machine disposed in a customer smart phone, the computer processing system including:

at least one tangibly embodied processing, portion that;

observes, through the input of information, an observed event that is associated with processing performed by the smart phone of the customer, the observing the observed event triggering the customer request;

mapping the observed event with a corresponding order record that is stored in a database of the smart phone of the customer;

retrieves order information for the customer request from the corresponding order record, the corresponding order record being retrieved from the database within the smart phone, the order information including at least customer financial entity account information and ordering information for the customer request;

generates 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, the ordering information for the customer request, and customer financial entity account information; and

outputs the merchant request to the designated merchant, so as to provide the designated merchant with information to fulfill the customer request.

19. A non-transitory computer readable medium including code that fulfills a customer request for a requested item to be purchased from a merchant, the non-transitory computer readable medium being tangibly embodied and disposed in a customer smart phone, the non-transitory computer readable medium implementing the following steps when executed by a processor:

a first portion that observes an observed event that is associated with processing performed by the smart phone, the observing the observed event triggering the customer request;

a second portion that maps the observed event with a corresponding order record stored in a database within the smart phone;

a third portion that retrieves order information for the customer request from the corresponding order record, the corresponding order record being retrieved from the database within the smart phone, the order information including at least customer financial entity account information and ordering information for the requested item for purchase from the merchant;

a fourth portion that generates 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, the ordering information for the requested item, and customer financial entity account information; and

a fifth portion that outputs the merchant request to the designated merchant, so as to provide the designated merchant with information to fulfill the customer request.