Systems and methods for enhanced dining and other experiences using a mobile device

Patent metadata

Field	Value
Publication number	US-10032144-B1
Application number	US-201414582653-A
Country	US
Kind code	B1
Filing date	Dec 24, 2014
Priority date	Jun 21, 2013
Publication date	Jul 24, 2018
Grant date	Jul 24, 2018

Abstract

Systems and methods for enhanced dining experiences, and other experiences, using a mobile device are disclosed. In one embodiment, the system (1) monitors providing at least one good or service to the customer during the event; the system (2) performing processing to determine cardless payment feature availability including: (a) determining a probable spend of the customer for the event; (b) determining a probable spend acceptable threshold (PSAT) for the event; (c) comparing the probable spend of the customer versus the PSAT, and based on such comparing, determining that the probable spend is within PSAT and, based on such determination, determining that the cardless payment feature is available to the customer; the system (3) generating an invoice; (4) transmitting the invoice to the customer's messaging address; (5) receiving, over the at least one network, an approval for the invoice; and the system (6) charging the customer's account.

First claim

We claim:

1. A method for enhanced cardless payment performed for an event, the method performed by a system comprising a computer processor coupled to a memory configured to execute programmed instructions stored in the memory, the method performed by the system comprising:
receiving, from a customer, a customer identifier and an indication that the customer will use a cardless payment feature for the event, wherein the customer identifier is associated with a messaging address and a payment account;
the system monitoring a sales transaction of at least one good or service to the customer during the event;
the system performing processing, at the beginning of the event, to determine cardless payment feature availability including:
determining a probable spend of the customer for the event;
determining a probable spend acceptable threshold (PSAT) for the event;
comparing the probable spend of the customer versus the PSAT, and based on such comparing determining that the probable spend is within PSAT and, based on such determination, determining that the cardless payment feature is available to the customer;

receiving from the customer, through the cardless payment feature, a selection of a good or service associated with the event;
the system observing a triggering development during the course of the event, such observing triggering the system to perform further processing to determine cardless payment feature availability during the course of the event for the customer, wherein the system observing a triggering development during the course of the event is constituted by the system:
inputting data indicating that the customer has incurred an additional expense item during the course of the event; and
in response to the input of additional expense data, automatically determining that such additional expense constitutes a triggering development by comparing the value of the additional expense against a threshold expense; and determining whether the value of the additional expense exceeds the threshold expense;

the system generating an invoice for the good or service in response to the cardless payment feature;
the system transmitting, over at least one network, the invoice to the customer's messaging address;
the system receiving, over the at least one network, an approval for the invoice from the customer; and
the system charging the customer's account for the invoice.

2. The method of claim 1 , the further processing to determine cardless payment feature availability during the course of the event for the customer includes the system:
determining a second probable spend of the customer for the event;
determining a second probable spend acceptable threshold (PSAT) for the event;
comparing the second probable spend of the customer versus the second PSAT, and based on such comparing determining that the second probable spend is within the second PSAT and, based on such determination, determining that the cardless payment feature is available to the customer.

3. The method of claim 1 , the further processing to determine cardless payment feature availability during the course of the event for the customer includes the system:
determining a second probable spend of the customer for the event;
determining a second probable spend acceptable threshold (PSAT) for the event;
comparing the second probable spend of the customer versus the second PSAT, and based on such comparing determining that the second probable spend is NOT within the second PSAT and, based on such determination, determining that the cardless payment feature is NOT available to the customer.

4. The method of claim 3 , the system interfacing with the customer to input further data to result in an increased PSAT such that the second probable spend of the customer is within the increased PSAT.

5. The method of claim 4 , the further data constituted by an additional payment account.

6. The method of claim 4 , the further data constituted by the system reserving further funds on the payment account.

7. The method of claim 4 , the further data constituted by inputting data from the customer indicative of customer ability to pay.

8. The method of claim 1 , wherein the determining that such additional expense constitutes a triggering development includes the system taking into account the total cost of the event for the customer.

9. The method of claim 1 , wherein determining the probable spend of the customer includes the system taking into account at least one of number of persons in party, average bill of event venue, time of day, duration of time at restaurant, special events, special day, day of week, holiday, day of week, prior history of customer at specified or similar venue, customer profile, customer income, and customer credit limit.

10. The method of claim 1 , wherein determining the PSAT includes the processing taking into account at least one of customer credit limit, credit availability, credit history, and account status.

11. The method of claim 1 , further comprising the system generating an EI Code (Event Identifier code) for the event for the customer, and associating such EI code with various particulars associated with the event.

12. The method of claim 1 , further comprising determining, by the system, an arrival time of the customer at the event comprising:
determining a geolocation of the customer;
determining a geolocation of a venue for the event;
determining an ETA (estimated time of arrival) of the customer at the venue;
comparing the ETA with a previously set reservation time to determine a differential between the ETA and the reservation time; and
determining a communication to at least one of the customer and the restaurant based on the differential;
outputting a communication to at least one of the customer and the restaurant based on the differential.

13. The method of claim 12 , the comparing the ETA with a previously set reservation time to determine a differential between the ETA and the reservation time includes:
Determining a mode of transportation of the customer.

14. The method of claim 12 , the determining the ETA of the customer at the venue is based on at least one selected from the group consisting of history of the customer, day of week and hour of day.

15. The method of claim 1 , wherein the event is a dining experience of the customer.

16. A system to provide enhanced cardless payment performed for an event, the system comprising a computer processor coupled to a memory configured to execute programmed instructions stored in the memory, the system comprising:
a communication portion of the system receiving, from a customer, a customer identifier and an indication that the customer will use a cardless payment feature for the event, wherein the customer identifier is associated with a messaging address and a payment account;
the computer processor monitoring a sales transaction of at least one good or service to the customer during the event;
the computer processor performing processing to determine cardless payment feature availability including:
determining a probable spend of the customer for the event;
determining a probable spend acceptable threshold (PSAT) for the event;
comparing the probable spend of the customer versus the PSAT, and based on such comparing determining that the probable spend is within PSAT and, based on such determination, determining that the cardless payment feature is available to the customer;

the communication portion receiving from the customer, through the card less payment feature, a selection of a good or service associat

Assignees

• Jpmorgan Chase Bank Na

Inventors

• Jacob Anil
• Arnone Joseph
• Gantert Brian
• Field Manning

Classifications

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/102 Primary

  Bill distribution or payments · CPC title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06Q20/403

  Solvency checks · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title