Associating payment information from a payment transaction with a user account

A payment service system comprising:

• one or more processors;
• and
• one or more memory devices storing instructions executable by the one or more processors, wherein the instructions program the one or more processors to:
• receive, from a merchant device using a card reader, payment information associate with a payment transaction between a customer and a merchant;
• receive, from a customer device associated with the customer, an indication that a geolocation associated with the customer device is within a threshold distance of the merchant, wherein the geolocation associated with the customer device is generated by a global positioning system (GPS) unit of the customer device;
• receive a customer parameter that identifies the customer;
• provide, using the customer parameter, activation information for the customer to activate an account with the payment service system with the payment information;
• receive a request associated with the activation information to activate the account with the payment service system;
• based at least in part on the indication of the geolocation and the request associated with the activation information, creating the account with the payment service system by:
• identifying, using the request associated with the activation information, the payment information that was received from the merchant device and associated with the payment transaction;
• associating the payment information with the account;
• storing, based at least in part on associating the payment information with the account, account information with the account, the account information including at least the payment information along with the customer parameter;
• and
• activating the account, wherein the account allows the customer to perform cardless payment transactions with one or more merchants using the customer parameter;
• receive a request to process a cardless transaction for the customer, the request including the customer parameter;
• identify the account of the customer using the customer parameter;
• determine that the customer has consented to the cardless payment transaction;
• and
• process the cardless payment transaction using the payment information that is stored in association with the account.

One or more computer storage medium devices executing instructions that, when executed on one or more processors, cause the one or more processors to perform the acts comprising:

• receiving, from a merchant device, payment information associated with a payment transaction between a customer and a merchant;
• receiving, from a customer device associated with the customer, an indication that a geolocation associated with the customer device is within a threshold distance of the merchant, wherein the geolocation associated with the customer device is generated by a global positioning system (GPS) unit of the customer device;
• receiving a customer parameter that identifies the customer;
• providing, using the customer parameter, activation information for the customer to activate an account with a payment service system with the payment information;
• receiving a request associated with the activation information to activate the account with the payment service system;
• based at least in part on the indication of the geolocation and the request associated with the activation information, creating the account with the payment service system by:
• identifying, using the request associated with the activation information, the payment information that was received from the merchant POS device and associated with the payment transaction;
• associating the payment information with the account;
• storing, based at least in part on associating the payment information with the account, account information with the account, the account information including at least the payment information and the customer parameter;
• and
• activating the account with the payment service system, wherein the account allows the customer to perform cardless payment transactions with one or more merchants using the customer parameter;
• receiving a request to process a cardless transaction for the customer, the request including the customer parameter;
• identifying the account of the customer using the customer parameter;
• processing the cardless payment transaction using the payment information that is stored in association with the account.