Payment processing apparatus

Patent metadata

Field	Value
Publication number	US-10346828-B2
Application number	US-201514934813-A
Country	US
Kind code	B2
Filing date	Nov 6, 2015
Priority date	Nov 7, 2014
Publication date	Jul 9, 2019
Grant date	Jul 9, 2019

Abstract

A payment processing apparatus and a system or a method are provided that have a location-agnostic payment code, where the user does not have to check in to the merchant's location. Further, the reliance on the network connection is reduced by caching or storing payment codes at the user's mobile device. The payment codes may have expiration and may be used once. The payment codes may be revoked or canceled if the user's mobile device is compromised or stolen. In an embodiment, the payment codes may be generated and provided to the user's mobile device when the payment application at the user's mobile device is refreshed. For example, the payment application is refreshed based on user's payment history or payment habits. In another embodiment, the payment codes may be generated and provided to the user's mobile device when the user is within a predetermined distance from a merchant.

First claim

What is claimed is:

1. A payment processing apparatus comprising:
a sensor configured to detect a user activity related to making a payment;
a display;
a non-transitory memory; and
one or more hardware processors communicatively coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the payment processing apparatus to perform operations comprising:
retrieving a payment code associated with a merchant location from a payment service provider over a network;
determining, based on location data obtained from a location component of the payment processing apparatus, that the payment processing apparatus is located outside of a predetermined distance from the merchant location;
configuring the payment code to be inaccessible by a user of the payment processing apparatus based on the determining that the payment processing apparatus is located outside of the predetermined distance from the merchant location;
in response to determining that the payment processing apparatus is located within the predetermined distance from the merchant location, configuring the payment code to be accessible by the user; and
in response to detecting the user activity related to making the payment at the merchant location, automatically presenting the payment code on the display.

2. The payment processing apparatus of claim 1 , wherein the operations further comprise determining, based on the location data obtained from the location component, that the payment processing apparatus is approaching the merchant location, wherein the payment code is retrieved from the payment service provider in response to the determining that the payment processing apparatus is approaching the merchant location.

3. The payment processing apparatus of claim 1 , wherein the payment code is retrieved from the payment service provider in response to detecting a gesture of the user made with the payment processing apparatus.

4. The payment processing apparatus of claim 1 , wherein the payment code is retrieved from the payment service provider based on a payment history or a payment routine of the user.

5. The payment processing apparatus of claim 1 , wherein the payment code is a first payment code, wherein the merchant location is a first merchant location, and wherein the operations further comprise:
determining that a second payment code associated with a second merchant location and having an expiration time is stored on the payment processing apparatus; and
retrieving an update to the second payment code from the payment service provider over the network, wherein the update extends the expiration time of the second payment code.

6. The payment processing apparatus of claim 5 , wherein the update to the second payment code is retrieved from the payment service provider based on a network connection status of the payment processing apparatus.

7. The payment processing apparatus of claim 5 , wherein the update to the second payment code is retrieved from the payment service provider based on a location of the payment processing apparatus relative to a second merchant location.

8. The payment processing apparatus of claim 1 , wherein the payment code has an expiration.

9. The payment processing apparatus of claim 1 , wherein the payment code is an one-time use payment code.

10. The payment processing apparatus of claim 1 , wherein the user activity comprises selecting a pull-down notification center of an operating system of the payment processing apparatus.

11. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
in response to detecting an event, retrieving a payment code associated with a merchant location from a payment service provider over a network;
caching the payment code on the machine;
configuring the payment code to be inaccessible by a user of the machine;
determining, based on location data obtained from a location component of the machine, that the machine is located within a predetermined distance from the merchant location;
in response to determining that the machine is located within the predetermined distance from the merchant location, configuring the payment code to be accessible by the user; and
in response to detecting a user activity related to making a payment at the merchant location, automatically displaying the payment code on a display of the machine.

12. The non-transitory machine-readable medium of claim 11 , wherein the event comprises a movement of the machine approaching the merchant location.

13. The non-transitory machine-readable medium of claim 11 , wherein the event comprises a gesture of the user made with the machine.

14. The non-transitory machine-readable medium of claim 11 , wherein the payment code is retrieved from the payment service provider over the network further based on a payment history or a payment routine of the user.

15. The non-transitory machine-readable medium of claim 11 , wherein the payment code is a first payment code, wherein the merchant location is a first merchant location, and wherein the operations further comprise:
determining that a second payment code associated with a second merchant location and having an expiration time is stored on the machine; and
retrieving an update to the second payment code from the payment service provider over the network, wherein the update extends the expiration time of the second payment code.

16. A method comprising:
in response to detecting an event, retrieving, by one or more hardware processors, a payment code associated with a merchant location from a payment service provider over a network;
storing, by the one or more hardware processors, the payment code on a mobile device;
configuring, by the one or more hardware processors, the payment code to be inaccessible by a user of the mobile device;
determining, by the one or more hardware processors based on location data obtained from a location component of the mobile device, that the mobile device is located within a predetermined distance from the merchant location;
in response to determining that the mobile device is located within the predetermined distance from the merchant location, configuring, by the one or more hardware processors, the payment code to be accessible by the user; and
in response to detecting a user activity related to making a payment at the merchant location, automatically displaying, by the one or more hardware processors, the payment code on a display of the mobile device.

17. The method of claim 16 , wherein the payment code is a first payment code, wherein the merchant location is a first merchant location, and wherein the method further comprises:
determining that a second payment code associated with a second merchant location and having an expiration time is stored on the mobile device; and
retrieving an update to the second payment code from the payment service provider over the network, wherein the update extends the expiration time of the second payment code.

18. The method of claim 17 , wherein the update to the second payment code is retrieved from the payment service provider based on a location of the mobile device relative to the second merchant location.

19. The method of claim 16 , wherein the payment code has an expiration.

20. The method of claim 16 , wherein the payment code is a one-time use payment code.

Assignees

• Paypal Inc

Inventors

• Barrese James
• Maheshwari Manish
• Sehgal Rohan
• Paka Amit
• Nair Sunil
• Somani Suket
• Rangaswamy Barath
• Shah Vidhi Himanshu
• Li Weijie

Classifications

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• G06Q20/3227

  using secure elements embedded in M-devices · CPC title

• G06Q20/3274 Primary

  using a pictured code, e.g. barcode or QR-code, being displayed on the M-device · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/204

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