# US 10,769,610 B2 · Alternative service access

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- Number: US 10,769,610 B2
- Document ID: US10769610B2
- Status: Granted
- Kind: B2
- Application number: 15/692,510
- Filed: 2017-08-31
- Published: 2019-02-28
- Granted: 2020-09-08
- Earliest claimed: 2017-08-31
- Assignees: Paypal, Inc.
- Applicants: Paypal, Inc.
- Inventors: Pankaj Sarin
- Web page: https://patentgrep.com/patent/US10769610B2

## CPC

- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/3224: {Transactions dependent on location of M-devices}
- G06Q 20/3227: {using secure elements embedded in M-devices}
- G06Q 20/38215: {Use of certificates or encrypted proofs of transaction rights}
- G06Q 20/388: {using mutual authentication without cards, e.g. challenge-response}
- G06Q 20/40145: {Biometric identity checks}
- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q 20/409: {Device specific authentication in transaction processing}
- G06Q 20/4093: {Monitoring of device authentication}
- G07F 19/209: {Monitoring, auditing or diagnose of functioning of ATMs}
- 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
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

Alternative service access with operations including determining that a system has met a plurality of criteria, including the system having a battery level below a threshold, identifying a merchant, generating an authentication token for authorizing a payment using a payment provider, and sending the authentication token to the payment provider.

## Claims

### Claim 1

A system, comprising:
one of more geolocation sensors;
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 cause the system to perform operations comprising:
detecting, via the one or more geolocation sensors, that the system is within a geo-fence of a merchant;
determining that a battery level of the system has dropped below a threshold; and
in response to the detecting and the determining:
generating an authentication token for authorizing a payment with the merchant using a payment provider; and
sending the authentication token to the payment provider.

### Claim 2 (depends on 1)

The system of claim 1, wherein the system includes a mobile user device.

### Claim 3 (depends on 1)

The system of claim 1, wherein the authentication token includes data associated with a biometric identifier.

### Claim 4 (depends on 3)

The system of claim 3, wherein the authentication token can be matched with a purchase based on the biometric identifier.

### Claim 5 (depends on 1)

The system of claim 1, wherein the generating and the sending are performed further in response to determining that the system is in communication with a merchant device of the merchant.

### Claim 6 (depends on 1)

The system of claim 1, wherein sending the authentication token to the payment provider is completed as part of a shutdown process of the system.

### Claim 7 (depends on 1)

The system of claim 1, wherein the generating and the sending are performed based at least in part on a user specified criteria.

### Claim 8

A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a system to perform operations comprising:
detecting, via one or more geolocation sensors, that the system is within a geo-fence of a merchant;
determining that a battery level of the system has dropped below a threshold; and
in response to the detecting and the determining:
generating an authentication token for authorizing a payment with the merchant using a payment provider; and
sending the authentication token to the merchant.

### Claim 9 (depends on 8)

The non-transitory machine-readable medium of claim 8, wherein the authentication token includes biometric information.

### Claim 10 (depends on 9)

The non-transitory machine-readable medium of claim 9, wherein the operations further comprise requesting and receiving the biometric information from a user.

### Claim 11 (depends on 10)

The non-transitory machine-readable medium of claim 10, wherein the operations further comprise analyzing the biometric information and determining a classification based on the analyzing and wherein the authentication token includes an indication of the classification.

### Claim 12 (depends on 8)

The non-transitory machine-readable medium of claim 8, wherein the authentication token is revocable.

### Claim 13 (depends on 12)

The non-transitory machine-readable medium of claim 12, wherein sending the authentication token is performed in response to an automated shutdown procedure.

### Claim 14 (depends on 13)

The non-transitory machine-readable medium of claim 13, wherein the operations further comprise sending a revocation command for the authentication token to the merchant in response to a powering on of the system after the automated shutdown procedure.

### Claim 15

A method, comprising:
detecting, via one or more geolocation sensors, that a mobile computing device is within a geo-fence of a merchant;
determining that a battery level of the mobile computing device has dropped below a threshold; and
in response to the detecting and the determining:
generating an authentication token for authorizing a payment with the merchant using a payment provider; and
sending the authentication token to the payment provider.

### Claim 16 (depends on 15)

The method of claim 15, wherein the generating and the sending are performed further in response to a determination that the mobile computing device is in electronic communication with a device of the merchant.

### Claim 17 (depends on 15)

The method of claim 15, wherein the authentication token includes data associated with a biometric identifier.

### Claim 18 (depends on 17)

The method of claim 17, wherein:
the authentication token is matched with a purchase based on the biometric identifier.

### Claim 19 (depends on 15)

The method of claim 15, wherein sending the authentication token to the payment provider is completed as part of a shutdown process of the mobile computing device.

### Claim 20 (depends on 15)

The method of claim 15, wherein the generating and the sending are performed based at least in part on a user specified criteria.