# US 11,308,476 B1 · Proximity peer to peer mobile navigation system and method > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,308,476 B1 - Document ID: US11308476B1 - Status: Granted - Kind: B1 - Application number: 16/400,072 - Filed: 2019-05-01 - Granted: 2022-04-19 - Earliest claimed: 2018-12-28 - Assignees: United Services Automobile Association (USAA) - Applicants: Uipco, LLC - Inventors: Quian Antony Jones; Ryan Russell; Ashley Raine Philbrick; Carlos JP Chavez; Stacy Callaway Huggar; Janelle Denice Dziuk; Yevgeniy Khmelev; Ravi Durairaj; Sumita T. Jonak - Web page: https://patentgrep.com/patent/US11308476B1 ## CPC - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06F 3/048: Interaction techniques based on graphical user interfaces [GUI] - G06F 3/04817: using icons (graphical or visual programming using iconic symbols G06F8/34) - G06Q 20/223: {based on the use of peer-to-peer networks} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/3821: {Electronic credentials} - G06Q 20/388: {using mutual authentication without cards, e.g. challenge-response} - G06Q 20/40145: {Biometric identity checks} - G06Q 20/40155: {for triggering transactions} - H04L 63/0869: {for achieving mutual authentication (cryptographic mechanisms or cryptographic arrangements for mutual authentication H04L9/3273)} - 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 4/024: Guidance services - H04W 4/029: Location-based management or tracking services - H04W 8/005: {Discovery of network devices, e.g. terminals} - H04W 12/069: using certificates or pre-shared keys - H04W 40/244: {using a network of reference devices, e.g. beaconing} - H04W 76/14: Direct-mode setup - 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 - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72) ## Abstract A system and method for locating mobile communication devices in a peer to peer communication using a beacon. The system and method include determining a first location of a first mobile communication device and transmitting the beacon from the first mobile communication device, which may be received by a second mobile computing device. In response to the beacon, the first mobile communication device may receive a message from a second mobile communication device. A peer to peer communication between the first mobile communication device and the second mobile communication device based on the message may be established. The first mobile communication device may receive a second location of the second mobile communication device from the second mobile communication device, and display both the first location and the second location on a map of the first mobile communication device. ## Claims ### Claim 1 A method of locating mobile communication devices in a peer to peer communication using a beacon at a venue, the method comprising: registering a first mobile communication device with a service provider configured to coordinate electronic transfer of currency between accounts of two different users; determining, by the first mobile communication device, a first location of the first mobile communication device at the venue; transmitting the beacon from the first mobile communication device to one or more other mobile communication devices at the venue, wherein the beacon includes a message requesting a cash payment of a first amount; receiving, by the first mobile communication device, a response message to the message requesting cash payment included in the transmitted beacon from a second mobile communication device of the one or more other mobile communication devices at the venue, wherein the second mobile communication device is also registered with the same service provider as the first mobile communication device; establishing the peer to peer communication between the first mobile communication device and the second mobile communication device based on the response message; receiving, by the first mobile communication device, a second location of the second mobile communication device at the venue from the second mobile communication device; accessing, by the first mobile communication device, a map of the venue, which includes the first location and the second location, and displaying the map on a display of the first mobile communication device; displaying a first icon indicating the first location and a second icon indicating the second location on the map of the display of the first mobile communication device; determining and displaying one or more routes between the first location and the second location on the displayed map of the venue on the first mobile communication device; wherein, when the first mobile communication device is located at the second location at the venue, conducting a transaction between the first mobile communication device and the second mobile communication device to exchange an electronic transfer of currency for the cash payment of the first amount; wherein, prior to conducting the transaction between the first mobile communication device and the second mobile communication device, the service provider requires that both the first mobile communication device and the second mobile communication device provide respective private keys for a mutual authentication to the service provider in order to conduct the transaction, each private key enabling a user associated with a respective mobile communication device to sign information to conduct the transaction, the private keys each being obtained by the respective mobile communication device by using biometric information from the respective user associated with the respective mobile communication device to unlock a respective vault hosted by a trusted third party containing the respective private key; and wherein, after the private keys for the mutual authentication from both the first mobile communication device and the second mobile communication device are received by the service provider, the service provider coordinates the electronic transfer of currency between an account of a first user associated with the first mobile communication device to an account of a second user associated with the second mobile communication device to conduct the transaction. ### Claim 2 (depends on 1) The method according to claim 1, wherein the first mobile communication device comprises one of a smartphone, a tablet, a smartwatch, a smart glass, a smart helmet, and a laptop, and the second mobile communication device comprises one of a smartphone, a tablet, a smartwatch, a smart glass, a smart helmet, and a laptop. ### Claim 3 (depends on 1) The method according to claim 1, further comprising displaying a third icon indicating the first location and a fourth icon indicating the second location on a map displayed on a display of the second mobile communication device. ### Claim 4 (depends on 1) The method according to claim 1, wherein the response message is generated by the second mobile communication device in response to an input through a user interface of the second mobile communication device. ### Claim 5 (depends on 1) The method according to claim 1, the method further comprising: receiving and displaying at the first mobile communication device a picture of the second user to verify the second mobile communication device; and receiving and display at the second mobile communication device a picture of the first user to verify the first mobile communication device. ### Claim 6 (depends on 5) The method according to claim 5, wherein the transaction includes transmitting the currency electronically using the first mobile communication device to an account of the second user in exchange for the cash payment of the first amount to the first user from the second user, wherein the electronically transmitted currency is a second amount that is greater than the first amount of the cash payment. ### Claim 7 (depends on 5) The method according to claim 5, wherein the transaction includes transmitting the currency electronically using the first mobile communication device to an account of the second user in exchange for a cash purchase of an article from a vendor at the venue by the second user, wherein the article is provided to the first user from the second user upon completion of the transaction. ### Claim 8 A non-transitory computer readable medium storing software comprising instructions executable by one or more computers, which, upon such execution, cause the one or more computers to: register a first mobile communication device with a service provider configured to coordinate electronic transfer of currency between accounts of two different users; determine a first location of the first mobile communication device at a venue; transmit a beacon from the first mobile communication device to one or more other mobile communication devices at the venue, wherein the beacon includes a message requesting a cash payment of a first amount; receive, at the first mobile communication device, a response message to the message requesting cash payment included in the transmitted beacon from a second mobile communication device of the one or more other mobile communication devices at the venue, wherein the second mobile communication device is also registered with the same service provider as the first mobile communication device; establish a peer to peer communication between the first mobile communication device and the second mobile communication device based on the response message; receive, at the first mobile communication device, a second location of the second mobile communication device at the venue from the second mobile communication device; access a map of the venue, which includes the first location and the second location, and display the map on a display of the first mobile communication device; display a first icon indicating the first location and a second icon indicating the second location on the map of the display of the first communication device; determine and display one or more routes between the first location and the second location on the displayed map of the venue on the first mobile communication device; wherein, when the first mobile communication device is located at the second location at the venue, conduct a transaction between the first mobile communication device and the second mobile communication device to exchange an electronic transfer of currency for the cash payment of the first amount; wherein, prior to conducting the transaction between the first mobile communication device and the second mobile communication device, the service provider requires that both the first mobile communication device and the second mobile communication device provide respective private keys for a mutual authentication to the service provider in order to conduct the transaction, each private key enabling a user associated with a respective mobile communication device to sign information to conduct the transaction, the private keys each being obtained by the respective mobile communication device by using biometric information from the respective user associated with the respective mobile communication device to unlock a respective vault hosted by a trusted third party containing the respective private key; and wherein, after the private keys for the mutual authentication from both the first mobile communication device and the second mobile communication device are received by the service provider, the service provider coordinates the electronic transfer of currency between an account of a first user associated with the first mobile communication device to an account of a second user associated with the second mobile communication device to conduct the transaction. ### Claim 9 (depends on 8) The non-transitory computer readable medium storing software of claim 8, wherein the first mobile communication device comprises one of a smartphone, a tablet, a smartwatch, a smart glass, a smart helmet, and a laptop, and the second mobile communication device comprises one of a smartphone, a tablet, a smartwatch, a smart glass, a smart helmet, and a laptop. ### Claim 10 (depends on 8) The non-transitory computer readable medium storing software instructions of claim 8, wherein the instructions executable by one or more computers, upon such execution, cause the one or more computers to display a third icon indicating the first location and a fourth icon indicating the second location on a map displayed on a display of the second mobile communication device. ### Claim 11 (depends on 8) The non-transitory computer readable medium storing software of claim 8, wherein the response message is generated by the second mobile communication device in response to an input through a user interface of the second mobile communication device. ### Claim 12 (depends on 8) The non-transitory computer readable medium storing software of claim 8, the instructions further causing the one or more computers to: receive and display at the first mobile communication device a picture of the second user to verify the second mobile communication device; and receive and display at the second mobile communication device a picture of the first user to verify the first mobile communication device. ### Claim 13 (depends on 12) The non-transitory computer readable medium storing software of claim 12, wherein the transaction includes transmitting the currency electronically using the first mobile communication device to an account of the second user in exchange for the cash payment of the first amount to the first user from the second user, wherein the electronically transmitted currency is a second amount that is greater than the first amount of the cash payment. ### Claim 14 (depends on 12) The non-transitory computer readable medium storing software of claim 12, wherein the transaction includes transmitting the currency electronically using the first mobile communication device to an account of the second user in exchange for a cash purchase of an article from a vendor at the venue by the second user, wherein the article is provided to the first user from the second user upon completion of the transaction. ### Claim 15 A system of locating mobile communication devices in a peer to peer communication using a beacon at a venue, the system comprising: a wireless network coupled to a plurality of base stations at the venue; a first mobile communication device located at the venue, the first mobile communication device configured to determine a first location of the first mobile communication device at the venue and to transmit a beacon to one or more other mobile communication devices at the venue, wherein the beacon includes a message requesting a cash payment of a first amount, the first mobile communication device being coupled to the wireless network though one of the plurality of base stations; and a second mobile communication device of the one or more other mobile communication devices at the venue, the second mobile communication device configured to determine a second location of the second mobile communication device at the venue and to receive the beacon from the first mobile communication device, the second mobile communication device being coupled to the wireless network though one of the plurality of base stations; a service provider configured to coordinate electronic transfer of currency between accounts of two different users, wherein the first mobile communication device and the second mobile communication device are both registered with the service provider; the first mobile communication device being further configured to receive a response message to the message requesting cash payment included in the transmitted beacon from the second mobile communication device, and to establish a peer to peer communication with the second mobile communication device based on the response message; the second mobile communication device being configured to transmit the second location of the second mobile communication device at the venue to the first mobile communication device; and the first mobile communication device being configured to: access a map of the venue, which includes the first location and the second location, and display the map on a display of the first mobile communication device; display a first icon indicating the first location and a second icon indicating the second location on the map of the display of the first mobile communication device; determine and display one or more routes between the first location and the second location on the displayed map of the venue on the first mobile communication device; wherein, when the first mobile communication device is located at the second location at the venue, the first mobile communication device is configured to conduct a transaction between the first mobile communication device and the second mobile communication device to exchange an electronic transfer of currency for the cash payment of the first amount; wherein, prior to conducting the transaction between the first mobile communication device and the second mobile communication device, the service provider requires that both the first mobile communication device and the second mobile communication device provide respective private keys for a mutual authentication to the service provider in order to conduct the transaction, each private key enabling a user associated with a respective mobile communication device to sign information to conduct the transaction, the private keys each being obtained by the respective mobile communication device by using biometric information from the respective user associated with the respective mobile communication device to unlock a respective vault hosted by a trusted third party containing the respective private key; and wherein, after the private keys for the mutual authentication from both the first mobile communication device and the second mobile communication device are received by the service provider, the service provider coordinates the electronic transfer of currency between an account of a first user associated with the first mobile communication device to an account of a second user associated with the second mobile communication device to conduct the transaction. ### Claim 16 (depends on 15) The system according to claim 15, wherein the first mobile communication device comprises one of a smartphone, a tablet, a smartwatch, a smart glass, a smart helmet, and a laptop, and the second mobile communication device comprises one of a smartphone, a tablet, a smartwatch, a smart glass, a smart helmet, and a laptop. ### Claim 17 (depends on 15) The system according to claim 15, wherein the response message is generated by the second mobile communication device in response to an input through a user interface of the second mobile communication device. ### Claim 18 (depends on 15) The system according to claim 15, wherein the first mobile communication device is configured to receive and display a picture of the second user to verify the second mobile communication device; and wherein the second mobile communication device is configured to receive and display a picture of the first user to verify the first mobile communication device. ### Claim 19 (depends on 18) The system according to claim 18, wherein the transaction includes transmitting the currency electronically using the first mobile communication device to an account of the second user in exchange for the cash payment of the first amount to the first user from the second user, wherein the electronically transmitted currency is a second amount that is greater than the first amount of the cash payment. ### Claim 20 (depends on 18) The system according to claim 18, wherein the transaction includes transmitting the currency electronically using the first mobile communication device to an account of the second user in exchange for a cash purchase of an article from a vendor at the venue by the second user, wherein the article is provided to the first user from the second user upon completion of the transaction.