Dongle facilitated wireless consumer payments

• US 9,471,917 B2
• Filed: 02/23/2015
• Issued: 10/18/2016
• Est. Priority Date: 12/31/2012
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Govindarajan, Satish Narayan, Granbery, John Hastings
• Primary Examiner(s): Robinson, Kito R
• Application Number:
  US14/629,379
• Publication Number:
  US 20150248667A1
• Time in Patent Office: 603 Days
• Field of Search: 705/39
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: H04L 49/201 Multicast operation; Broadcast operation
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
• CPC Class Codes: H04W 4/023 using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds
• CPC Class Codes: H04W 88/02 Terminal devices

Abstract

Computing systems and methods for facilitating consumer transactions in retail and other establishments include communication interfaces adapted to couple a computing system to a plurality of third party mobile electronic devices, storage components adapted to store user information, participating merchant information, or any combination thereof, and processors in communication with the communication interfaces and storage components. The processors are adapted to facilitate automatic wireless transactions between third party users of the third party mobile electronic devices and the participating merchants when the third party devices are present at the participating merchants without any affirmative activity by the third party users.

Claims

1. A 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 perform operations comprising;

detecting, via a hardware communication interface, a passive check in request for a user device,

the passive check in request occurring as a result of a first wireless exchange using a Bluetooth low energy (BLE) protocol between the user device and a beacon installed at a particular location within a merchant establishment while the user device is in proximity to the beacon and without requiring affirmative action by a user on the user device;

identifying a user associated with the user device as being present at the particular location;

responsive to the identifying, determining one or more promotional information items based on the particular location;

presenting the one or more promotional information items on the user device; and

causing, based on an authentication of the user device, a payment to be made from a user payment account identified on the user device to a merchant associated with the merchant establishment.

2. The system of claim 1, wherein the payment is made to the merchant using a second wireless exchange different from the first wireless exchange.

3. The system of claim 1, wherein the beacon is installed at a check-out terminal within the merchant establishment.

4. The system of claim 1, wherein the beacon comprises a Universal Serial Bus (USB) connection configured to pivot, slide, or swivel to facilitate installation of the beacon and to provide power to the beacon.

5. The system of claim 1, wherein the beacon comprises a battery for powering the beacon.

6. The system of claim 1, wherein the passive check-in request comprises an encrypted value.

7. The system of claim 6, wherein the encrypted value comprises a beacon token value and a user token value encrypted using a private key associated with the user device.

8. The system of claim 7, wherein the operations further comprise decrypting the encrypted value to authenticate the beacon and the user device.

9. The system of claim 6, wherein the beacon token value is a one-time use value.

10. The system of claim 1, wherein the passive check in request includes a wireless data communication initiated by the beacon using the BLE protocol and responded to by the user device.

11. A method comprising:

detecting, a passive check in request for a user device, the passive check in request occurring as a result of a first wireless exchange using a Bluetooth low energy (BLE) protocol between the user device and a beacon installed at a particular location within a merchant establishment while the user device is in proximity to the beacon and without requiring affirmative action by a user on the user device;

identifying a user associated with the user device as being present at the particular location;

responsive to the identifying, determining one or more promotional information items based on the particular location;

presenting the one or more promotional information items on the user device; and

causing, based on an authentication of the user device, a payment to be made from a user payment account identified on the user device to a merchant associated with the merchant establishment.

12. The method of claim 11, wherein the payment is made to the merchant using a second wireless exchange different from the first wireless exchange.

13. The method of claim 11, wherein the beacon comprises a Universal Serial Bus (USB) connection configured to pivot, slide, or swivel to facilitate installation of the beacon and to provide power to the beacon.

14. The method of claim 11, wherein the passive check-in request comprises an encrypted value comprising a beacon token value and a user token value encrypted using a private key associated with the user device.

15. The method of claim 14, further comprising:

decrypting the encrypted value to extract the user token value; and

authenticating the user device based on the user token value.

16. The method of claim 14, further comprising:

decrypting the encrypted value to extract the beacon token value; and

authenticating the beacon based on the beacon token value.

17. The method of claim 11, further comprising providing a token to be transmitted via the beacon to the user device based on the passive check in request, wherein the token is used to perform the payment.

18. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

detecting via a hardware communication interface, a passive check in request for a user device,

the passive check in request occurring as a result of a first wireless exchange using a Bluetooth low energy (BLE) protocol between the user device and a beacon installed at a particular location within a merchant establishment while the user device is in proximity to the beacon and without requiring affirmative action by a user on the user device;

identifying a user associated with the user device as being present at the particular location;

responsive to the identifying, determining one or more promotional information items based on the particular location;

presenting the one or more promotional information items on the user device; and

causing, based on an authentication of the user device, a payment to be made from a user payment account identified on the user device to a merchant associated with the merchant establishment.

19. The non-transitory medium of claim 18, wherein the passive check-in request comprises an encrypted value comprising a user token value encrypted using a private key associated with the user device;

and

wherein the operations further comprise;

decrypting the encrypted value to extract the user token value; and

authenticating the purchaser device based on the user token value.

20. The non-transitory medium of claim 18, wherein the passive check-in request comprises an encrypted value comprising a beacon token value encrypted using a private key associated with the user device;

and

wherein the operations further comprise;

decrypting the encrypted value to extract the beacon token value; and

authenticating the beacon based on the beacon token value.