US 10,373,151 B1Granted

Multiple merchants in cardless payment transactions and multiple customers in cardless payment transactions

AssigneeSquare, Inc.

InventorBob Lee

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Abstract

A method includes receiving a request for a list of nearby user devices, where the list of nearby user devices will be sent to a merchant device, where the merchant device is associated with a merchant, where the merchant operates a plurality of merchant devices, and where the merchant device is included in the plurality of merchant devices; receiving a respective location for one or more user devices, where each user device is associated with the merchant; determining, for each of the one or more user devices, whether the user device is nearby the merchant device, based on the respective location, to the merchant device than the other merchant devices in the plurality of merchant devices; generating the list of nearby user devices based at least on the determination; and sending the list of nearby user devices to the merchant device.

Claims20

Dependent claims

A method comprising:

receiving, at one or more computing devices of a payment processor, and from a first user device associated with a first user account, a selection of a merchant, from a plurality of merchants, the selection being indicative of consent to perform a cardless payment transaction with the merchant using a first merchant device associated with the merchant;
storing, based on the selection and in a database of the one or more computing devices of the payment processor, an indication of the consent in association with the first user account, the database further including a second user account associated with a second user device;
receiving, from the first user device, a first current geolocation of the first user device;
receiving, from the second user device, a second current geolocation of the second user device;
determining, by the one or more computing devices of the payment processor, that the first current geolocation of the first user device and the second current geolocation of the second user device are both within a first geofence of the first merchant device associated with the merchant;
generating, by the one or more computing devices of the payment processor, a first list of nearby user devices, the first list of nearby user devices including, from among the first user device and the second user device, the first user device based at least in part on determining that the first user device is within the first geofence and the indication of consent stored in association with the first user account;
and
sending, by the one or more computing devices of the payment processor, the first list of nearby user devices to the first merchant device.

5 more elements

A system comprising:

a processor;
and
one or more computer-readable media coupled to the processor and having instructions stored thereon, which, when executed by the processor, cause the processor to perform operations comprising:
receiving, from a user device, a selection of a merchant, from a plurality of merchants, the selection being indicative of consent to perform a cardless payment transaction with the merchant using a first merchant device associated with the merchant;
receiving a current geolocation of the user device;
determining that the current geolocation of the user device is within at least a first geofence of the first merchant device associated with the merchant;
determining that at least one other user device is also within the first geofence of the first merchant device from which no indication of consent to perform cardless payment transactions with the merchant is received;
generating at least a first list of nearby user devices corresponding to the first merchant device, the first list of nearby user devices including the user device based at least in part on determining that the current geolocation of the user device is within the first geofence of the first merchant device and receiving the selection from the user device that is indicative of the consent to perform the cardless payment transaction with the merchant;
and
sending at least the first list of nearby user devices to the first merchant device.

7 more elements

One or more non-transitory computer-readable storage media having instructions stored thereon, which, when executed by a processor, cause the processor to perform operations comprising:

receiving, from a first user device, a selection of a merchant, from a plurality of merchants, the selection being indicative of consent to perform cardless payment transactions with the merchant using a first merchant device;
receiving a first geolocation of the first user device;
determining that the first geolocation of the first user device is within a first geofence of the first merchant device associated with the merchant;
determining that a number of additional user devices are also within the first geofence of the first merchant device, the number of additional user devices including at least one second user device from which a corresponding selection indicative of consent to perform cardless payment transactions with the merchant using the at least one second user device has not been received;
generating a first list of nearby user devices, the first list of nearby user devices including the first user device based at least in part on determining that the first user device is within the first geofence and receiving the selection of the merchant from the first user device to perform the cardless payment transactions, the first list excluding the at least one second user device from which no corresponding selection indicative of consent to perform cardless payment transactions with the merchant has been received;
and
sending the first list of nearby user devices to the first merchant device.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/941,020Filed 13 Nov 2015 · continuation
Priority: 20 Nov 2012
Granted: 6 Aug 2019
Term ends: Not estimatedThe source records don’t support an estimate.

Classification9 codes

G06Q 20/3224
Aspects of commerce using mobile devices [M-devices]: transactions dependent on location of M-devices
H04W 4/02
Services specially adapted for wireless communication networks; Facilities therefor: services making use of location information
G06Q 20/352
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: contactless payments by cards
G06Q 30/0261
Targeted advertisements: based on user location

Family

Application61/728,760Us provisional application · filed 20 Nov 2012
Application13/802,064Parent of this continuation · filed 13 Mar 2013
US 9,264,850 B1Parent of this continuation
US 10,373,151 B1This patent

From the US filing history. Foreign family members aren’t listed.

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