# US 10,373,151 B1 · Multiple merchants in cardless payment transactions and multiple customers in cardless payment transactions

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- Number: US 10,373,151 B1
- Document ID: US10373151B1
- Status: Granted
- Kind: B1
- Application number: 14/941,020
- Filed: 2015-11-13
- Granted: 2019-08-06
- Earliest claimed: 2012-11-20
- Assignees: Square, Inc.
- Applicants: Square, Inc.
- Inventors: Bob Lee
- Web page: https://patentgrep.com/patent/US10373151B1

## CPC

- G06Q 20/3224: {Transactions dependent on location of M-devices}
- H04W 4/02: Services making use of location information
- G06Q 20/352: {Contactless payments by cards}
- G06Q 30/0261: {based on user location}
- H04W 4/021: Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
- H04W 4/023: {using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds}
- H04W 4/029: Location-based management or tracking services
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## 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.

## Claims

### Claim 1

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.

### Claim 2 (depends on 1)

The method of claim 1, further comprising:
receiving, from the first merchant device associated with the merchant, a request for an identification of nearby user devices,
wherein generating the first list of nearby user devices occurs at least partly in response to the receiving the request for the identification of nearby user devices.

### Claim 3 (depends on 1)

The method of claim 1, further comprising:
determining that the first current geolocation of the first user device is within a second geofence of a second merchant device associated with the merchant;
generating a second list of nearby user devices, the second list of nearby user devices including the first user device; and
sending the second list of nearby user devices to the second merchant device.

### Claim 4 (depends on 3)

The method of claim 3, further comprising:
receiving, from at least one merchant device associated with the merchant, a request for an indication of nearby user devices,
wherein generating the first list of nearby user devices and the generating the second list of nearby user devices occur at least partly in response to receiving the request for the indication of nearby user devices.

### Claim 5

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.

### Claim 6 (depends on 5)

The system of claim 5, the operations further comprising:
receiving, from at least the first merchant device associated with the merchant, a request for an indication of nearby user devices,
wherein generating the at least the first list of nearby user devices occurs at least partly in response to receiving the request for the indication of nearby user devices.

### Claim 7 (depends on 6)

The system of claim 6, wherein the system processes payments for multiple merchants including the merchant.

### Claim 8 (depends on 6)

The system of claim 6, the operations further comprising:
determining that the current geolocation of the user device is within a second geofence of a second merchant device associated with the merchant;
generating a second list of nearby user devices, the second list of nearby user devices including the user device; and
sending the second list of nearby user devices to the second merchant device.

### Claim 9 (depends on 5)

The system of claim 5, wherein the user device is a mobile device that includes a global positioning system (GPS) receiver.

### Claim 10 (depends on 5)

The system of claim 5, wherein the user device is a mobile device, and the current geolocation of the user device is determined based at least in part on one or more of cellphone data or wireless network data.

### Claim 11 (depends on 5)

The system of claim 5, wherein the receiving the current geolocation of the user device occurs after receiving the indication of consent to perform the cardless payment transaction with the merchant.

### Claim 12

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.

### Claim 13 (depends on 12)

The one or more non-transitory computer-readable storage media of claim 12, the operations further comprising:
receiving, from the first merchant device associated with the merchant, a request for an identification of nearby user devices,
wherein generating the first list of nearby user devices occurs at least partly in response to receiving the request for the identification of nearby user devices.

### Claim 14 (depends on 12)

The one or more non-transitory computer-readable storage media of claim 12, the operations further comprising:
determining that a second geolocation of a third user device is within the first geofence of the first merchant device associated with the merchant, the third user device having provided a corresponding selection of the merchant to indicate consent for performing cardless payment transactions with the merchant using the third user device,
wherein the first list of nearby user devices further includes the third user device based at least in part on determining that the second geolocation of the second user device is within the first geofence of the first merchant device and the corresponding selection of the merchant received from the third user device.

### Claim 15 (depends on 12)

The one or more non-transitory computer-readable storage media of claim 12, the operations further comprising:
determining that the first geolocation of the first user device is within a second geofence of a second merchant device associated with the merchant;
generating a second list of nearby user devices, the second list of nearby user devices including the first user device; and
sending the second list of nearby user devices to the second merchant device.

### Claim 16 (depends on 15)

The one or more non-transitory computer-readable storage media of claim 15, the operations further comprising:
receiving, from at least one merchant device associated with the merchant, a request for an indication of nearby user devices,
wherein generating the first list of nearby user devices and generating the second list of nearby user devices occur at least partly in response to receiving the request for the indication of nearby user devices.

### Claim 17 (depends on 12)

The one or more non-transitory computer-readable storage media of claim 12, wherein the generating the first list of nearby user devices is performed by one or more computing devices of a payment processor that processes payments for multiple merchants including the merchant.

### Claim 18 (depends on 12)

The one or more non-transitory computer-readable storage media of claim 12, wherein the first user device is a mobile device that includes a global positioning system (GPS) receiver, and the first geolocation of the first user device is determined based at least in part on GPS information from the GPS receiver.

### Claim 19 (depends on 12)

The one or more non-transitory computer-readable storage media of claim 12, wherein the first user device is a mobile device, and the first geolocation of the first user device is determined based at least in part on one or more of cellphone data or wireless network data.

### Claim 20 (depends on 1)

The method of claim 1, further comprising receiving, by the one or more computing devices of the payment processor, and after sending of the first list of nearby user devices, a request to process the cardless payment transaction from the first merchant device.