Payment processing with automatic no-touch mode selection
AssigneeScvngr, Inc.
InventorSeth Priebatsch
Life of this patent
Estimating the term…
Abstract
A “no-touch” mobile checkout experience frees consumers from the need to manually locate and activate a mobile payment application in order to complete a transaction. The consumer simply brings his mobile device within close range of an interface console, which in various embodiments prompts the device to launch an application that causes display of a payment token without user action. If the consumer's device is not NFC-capable, the interface console can read a displayed token optically in the usual fashion.
Claims12
A checkout system, comprising:
- one or more processors;
- an optical scanner;
- a communication circuitry;
- one or more non-transitory storage media storing instructions which, when executed by the one or more processors, cause performance of a method, the method comprising:
- monitoring, via the communication circuitry, for proximate presence of a consumer device capable of communication over a short-range wireless connection and having a stored token associated with a remote token-generating server;
- establishing, without action by a user of the consumer device, a communication channel with the consumer device over a short-range wireless connection;
- communicating, to the consumer device over the communication channel, a request to display the stored token, thereby causing the consumer device to display the token;
- reading, via the optical scanner, the token upon display thereof by the consumer device when the display of the consumer device is within view of the optical scanner;
- and
- causing completion of a transaction with the consumer device based on the token.
A computer-implemented method of no-touch checkout, comprising:
- detecting, by a processor, a first NFC signal from a device;
- determining, by the processor, whether the device is capable of displaying a visual representation of a payment token;
- and
- when the determining indicates that the device is not capable of displaying the visual representation of the payment token:
- automatically communicating a first request to the device for transmitting token information regarding the payment token as an NSF signal;
- receiving a second NFC signal from the device containing the token information;
- completing the transaction based on the token information.
One or more non-transitory storage media storing instructions which, when executed by one or more computing devices, cause performance of a method, the method comprising:
- causing storage, in a memory, of a token received from the token-generating server via a telecommunication circuitry;
- causing display of an action button on a display;
- causing an NFC circuitry to monitor for availability of NFC;
- when NFC availability is detected by the NFC circuitry, autonomously establishing an NFC communication channel, detecting an external request received via the NFC channel to display the stored token, and in response, causing the stored token to appear on the display without user action, and
- when NFC availability is not detected by the NFC circuitry, causing the stored token to appear on the display only upon user selection of the displayed button.
Dependencies are inferred from the claim text.