US 2020/0349548 A1Published application

Mobile merchant payment system

AssigneeVisa International Service Association

InventorJaydeep Mangle

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Abstract

A mobile merchant may have an entrance area which may have a geo-fence area which has a communication device to communicate with a payment device of a user when in or passing through the geo-fence area such as getting on a bus. The location of the start of the communication may be noted and stored as a first or starting location. When the user gets off the mobile merchant, the communication between the communication device and the payment device may end. The location of the end of the communication may also be noted and stored as a second or ending location. The first and second location and data from the payment device may be communicated to a billing computing device which may determine a price for the trip from the first location and the second location and the price may be applied to the payment account represented by the payment data.

Claims20

Dependent claims

A method of providing payment to a mobile merchant from a user comprising:

determining whether wireless communication with a mobile computing device registered to the user has communicated with a communication system operating a geo-fenced area in the mobile merchant;
in response to determining that wireless communication with the mobile computing device registered to the user has communicated with the communication system operating the geo-fenced area in the mobile merchant, determining a first location comprising storing first location data representing a first site the mobile computing device registered to the user communicated with the communication system operating the geo-fenced area in the mobile merchant;
determining whether communication between the mobile computing device registered to the user and the communication system operating the geo-fenced area has stopped;
in response to determining that communication between the mobile computing device registered to the user and the communication system operating the geo-fenced area has stopped, determining a second location comprising storing second location data representing a second site where wireless communication with the mobile computing device registered to the user and the communication system operating the geo-fenced area in the mobile merchant has ended;
determining a price for traveling from the first location to the second location;
and
charging an account of the user.

4 more elements

A computer system comprising at least one processor and at least one memory, wherein the processor is physically configured according to computer executable instructions for:

determining whether wireless communication with a mobile computing device registered to a user has communicated with a communication system operating a geo-fenced area in a mobile merchant;
in response to determining that wireless communication with the mobile computing device registered to the user has communicated with the communication system operating the geo-fenced area in the mobile merchant, determining a first location comprising storing first location data representing a first site the mobile computing device registered to the user communicated with the communication system operating the geo-fenced area in a mobile merchant;
determining whether communication between the mobile computing device registered to a user and the communication system operating the geo-fenced area has stopped;
in response to determining that communication between the mobile computing device registered to the user and the communication system operating the geo-fenced area has stopped, determining a second location comprising storing second location data representing a second site where wireless communication with the mobile computing device registered to the user and the communication system operating the geo-fenced area in the mobile merchant has ended;
determining a price for traveling from the first location to the second location;
and
charging an account of the user.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/402,675Filed 3 May 2019
Published: 5 Nov 2020
Term ends: Not estimatedThe source records don’t support an estimate.

Classification14 codes

G06Q 20/3224
Aspects of commerce using mobile devices [M-devices]: transactions dependent on location of M-devices
G06Q 20/047
Payment circuits: using payment protocols involving electronic receipts
G06Q 20/085
Payment architectures: involving remote charge determination or related payment systems
G06Q 20/145
Specially adapted for billing systems: payments according to the detected use or quantity