Proximity-based payments

Patent metadata

Field	Value
Publication number	US-12175448-B2
Application number	US-202217710555-A
Country	US
Kind code	B2
Filing date	Mar 31, 2022
Priority date	Jun 4, 2014
Publication date	Dec 24, 2024
Grant date	Dec 24, 2024

Abstract

Techniques disclosed include systems and methods including, in association with a transaction between a first payer and a payee, determining a second payer that is associated with the transaction. Techniques include receiving specification of a portion of a payment amount associated with the transaction to be requested from the second payer. Techniques include, upon receiving an indication from the first payer to request payment of the portion of the payment amount from the second payer, transmitting an identifier associated with the second payer and the specified portion of the payment amount to a remote server. The remote server can be configured to transmit a request to a second mobile device associated with the second payer to permit a transfer of the portion of the payment amount from the financial account of the second payer in association with the transaction.

First claim

What is claimed is:

1. A computer-implemented method, comprising:
in association with a transaction between a first payer, a second payer, and a payee, detecting, by a first mobile device associated with the first payer and via an application executing on the first mobile device, a second mobile device associated with the second payer and that is in physical proximity to the first mobile device, wherein the second mobile device is associated with an identifier of the second payer and the physical proximity is determined based on network connectivity of the first mobile device and the second mobile device, wherein the first mobile device and the second mobile device are communicatively coupled to a remote server and each of the first mobile device and the second mobile device transmit respective location information to the remote server to be used for detecting the physical proximity of the first mobile device and the second mobile device;
determining that the second mobile device is permitted to conduct proximity-based payments; and
upon determining that the second mobile device is permitted to conduct proximity-based payments, transmitting, by the first mobile device and via the application, the identifier of the second payer and a specified portion of a payment amount associated with the transaction to the remote server, wherein the remote server is configured to transmit a request to the second mobile device to process a transfer of the portion of the payment amount from a financial account of the second payer in association with the transaction.

2. The computer-implemented method of claim 1 further comprising receiving, by the first mobile device, the identifier of the second payer from the second mobile device.

3. The computer-implemented method of claim 1 , further comprising receiving, by the first mobile device, the identifier of the second payer from the remote server.

4. The computer-implemented method of claim 1 , wherein the portion of the payment amount is transferred from the financial account of the second payer to a financial account of the first payer in association with the transaction.

5. The computer-implemented method of claim 4 , wherein the payment amount associated with the transaction is transferred to a financial account of the payee from the financial account of the first payer.

6. The computer-implemented method of claim 1 , wherein the portion of the payment amount is transferred from the financial account of the second payer to a financial account of the payee in association with the transaction.

7. The computer-implemented method of claim 1 , wherein detecting the second mobile device associated with the second payer and that is in physical proximity to the first mobile device comprises:
determining, by the first mobile device, a location of the first mobile device;
transmitting, by the first mobile device and to the remote server, the location of the first mobile device; and
receiving, by the first mobile device and from the remote server, one or more nearby mobile devices within a physical proximity of the first mobile device based on a location of the second mobile device, wherein the second mobile device is one of the nearby mobile devices.

8. A computer-implemented method, comprising:
in association with a transaction between a first payer and a payee, determining by a first mobile device associated with the first payer and via an application executing on the first mobile device, a second mobile of a second payer that is associated with the transaction in physical proximity of the first mobile device, wherein the physical proximity is determined based on network connectivity of the first mobile device and the second mobile device, wherein the first mobile device and the second mobile device are communicatively coupled to a remote server and each of the first mobile device and the second mobile device transmit respective location information to the remote server to be used for detecting the physical proximity of the first mobile device and the second mobile device;
providing, on the first mobile device, an indication that the second mobile device permits proximity-based transactions; and
transmitting, by the first mobile device and via the application, an identifier associated with the second payer and a specified portion of a payment amount associated with the transaction to a remote server, wherein the remote server is configured to transmit a request to a second mobile device executing on the second mobile device to process a transfer of the portion of the payment amount from a financial account of the second payer in association with the transaction.

9. The computer-implemented method of claim 8 , wherein the second payer is associated with the transaction based on the second mobile device being in physical proximity with the first mobile device.

10. The computer-implemented method of claim 8 , wherein the second payer is associated with the transaction based on the second payer being identified from a set of contacts associated with the first payer and stored in the first mobile device.

11. The computer-implemented method of claim 8 , wherein the second payer is associated with the transaction based on the second payer being identified from a set of recent contacts with whom the first payer has conducted transactions.

12. The computer-implemented method of claim 8 , wherein the second payer is associated with the transaction based on the second payer being identified from a set of social networking contacts of the first payer.

13. The computer-implemented method of claim 8 , wherein the identifier associated with the second payer uniquely identifies the second mobile device.

14. The computer-implemented method of claim 8 , further comprising receiving, by the first mobile device and from the remote server, an indication of confirmation of payment of the portion of the payment amount from the financial account of the second payer in association with the transaction.

15. The computer-implemented method of claim 8 , further comprising:
receiving, by the first mobile device, an indication that the second payer is not eligible for proximity-based identification for a transaction; and
receiving, by the first mobile device and via a user interface of the application executing on the first mobile device, the identifier associated with the second payer.

16. A non-transitory computer-readable storage medium storing instructions that, when executed by a first mobile device associated with a first payer, cause the first mobile device to:
in association with a transaction between the first payer and a payee, determine a second mobile device of second payer that is associated with the transaction in physical proximity of the first mobile device, wherein the physical proximity is determined based on network connectivity of the first mobile device and the second mobile device, wherein the first mobile device and the second mobile device are communicatively coupled to a remote server and each of the first mobile device and the second mobile device transmit respective location information to the remote server to be used for detecting the physical proximity of the first mobile device and the second mobile device;
determine that the second mobile device is permitted to conduct proximity-based payments; and
upon determining that the second device is permitted to conduct proximity-based payments, transmit an identifier associated with the second payer and a specified portion of a payment amount associated with the transaction to a remote server, wherein the remote server is conf

Assignees

• Block Inc

Inventors

• Dorsey Jack
• Grassadonia Brian
• Andersen Robert

Classifications

• G06Q20/3255

  using mobile network messaging services for payment, e.g. SMS · CPC title

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/223

  based on the use of peer-to-peer networks · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title