User attribute validation based on location requests
US-2024388637-A1 · Nov 21, 2024 · US
US2016117656A1 · US · A1
| Field | Value |
|---|---|
| Publication number | US-2016117656-A1 |
| Application number | US-201614991753-A |
| Country | US |
| Kind code | A1 |
| Filing date | Jan 8, 2016 |
| Priority date | Jan 7, 2014 |
| Publication date | Apr 28, 2016 |
| Grant date | — |
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A computer system receives, from a client device, a virtual bill request including user identification information of a user associated with the client device and then activates a virtual bill and associates the virtual bill with the client device, the virtual bill having a predefined effective time period. After receiving data corresponding to one or more items added to the virtual bill within the predefined effective time period through respective close proximity data communication between the client device and one or more respective terminals, the computer system determines a value based on the data corresponding to the one or more items and sends a verification request to the client device. Upon receipt of verification information responsive to the verification request, the computer system initiates a transfer of the value from an account associated with the user in accordance with a determination that the verification information is valid.
Opening claim text (preview).
What is claimed is: 1 . A method, comprising: at a computer system: receiving, from a client device, a virtual bill request, the virtual bill request including user identification information identifying a user associated with the client device; in accordance with the virtual bill request, activating a virtual bill and associating the virtual bill with the client device, the virtual bill having a predefined effective time period; receiving, from the client device, data corresponding to one or more items added to the virtual bill, wherein the one or more items were added to the virtual bill within the predefined effective time period through respective close proximity data communication between the client device and one or more respective terminals; determining a value based on the data corresponding to the one or more items; sending, to the client device, a verification request, wherein the verification request includes the determined value; receiving, from the client device, verification information responsive to the verification request; and in accordance with a determination that the verification information is valid, initiating a transfer of the value from an account associated with the user. 2 . The method of claim 1 , wherein the virtual bill request further includes user identification information identifying a second user associated with the one or more respective terminals, the method further comprising: generating a relationship between the user associated with the client device and the second user associated with the one or more respective terminals. 3 . The method of claim 2 , wherein the virtual bill request is embedded in a text message from the user associated with the client device to the second user associated with the one or more respective terminals. 4 . The method of claim 1 , wherein receiving the virtual bill request comprises obtaining information encoded in a barcode displayed on a display device of the client device. 5 . The method of claim 1 , wherein the verification information comprises one or more of: a password and one or more biometrics associated with the user. 6 . The method of claim 1 , wherein respective close proximity data communication includes any of: scanning a barcode, near-field communication, Bluetooth communication, and Wi-Fi communication. 7 . The method of claim 1 , wherein the user identification information includes a timestamp, the method further comprising: when a time elapsed since the user identification information timestamp exceeds a predefined time threshold, rejecting the virtual bill request. 8 . The method of claim 1 , wherein the verification request further includes itemized values of the one or more items corresponding to respective purchases, each respective purchase having a respective timestamp. 9 . The method of claim 8 , wherein determining the value based on the data corresponding to the one or more items comprise totaling the respective values of the respective purchases. 10 . The method of claim 8 , wherein the respective purchases are associated with distinct respective sellers. 11 . A computer system, comprising: memory; one or more processors; and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs comprising instructions for: receiving, from a client device, a virtual bill request, the virtual bill request including user identification information identifying a user associated with the client device; in accordance with the virtual bill request, activating a virtual bill and associating the virtual bill with the client device, the virtual bill having a predefined effective time period; receiving, from the client device, data corresponding to one or more items added to the virtual bill, wherein the one or more items were added to the virtual bill within the predefined effective time period through respective close proximity data communication between the client device and one or more respective terminals; determining a value based on the data corresponding to the one or more items; sending, to the client device, a verification request, wherein the verification request includes the determined value; receiving, from the client device, verification information responsive to the verification request; and in accordance with a determination that the verification information is valid, initiating a transfer of the value from an account associated with the user. 12 . The computer system of claim 11 , wherein receiving the virtual bill request comprises obtaining information encoded in a barcode displayed on a display device of the client device. 13 . The computer system of claim 11 , wherein the verification information comprises one or more of: a password and one or more biometrics associated with the user. 14 . The computer system of claim 11 , wherein respective close proximity data communication includes any of: scanning a barcode, near-field communication, Bluetooth communication, and Wi-Fi communication. 15 . The computer system of claim 11 , wherein the verification request further includes itemized values of the one or more items corresponding to respective purchases, each respective purchase having a respective timestamp. 16 . A non-transitory computer readable storage medium storing one or more programs configured for execution by a computer system that includes one or more processors and memory, the one or more programs comprising instructions to: receive, from a client device, a virtual bill request, the virtual bill request including user identification information identifying a user associated with the client device; in accordance with the virtual bill request, activate a virtual bill and associate the virtual bill with the client device, the virtual bill having a predefined effective time period; receive, from the client device, data corresponding to one or more items added to the virtual bill, wherein the one or more items were added to the virtual bill within the predefined effective time period through respective close proximity data communication between the client device and one or more respective terminals; determine a value based on the data corresponding to the one or more items; send, to the client device, a verification request, wherein the verification request includes the determined value; receive, from the client device, verification information responsive to the verification request; and in accordance with a determination that the verification information is valid, initiate a transfer of the value from an account associated with the user. 17 . The non-transitory computer readable storage medium of claim 16 , wherein receiving the virtual bill request comprises obtaining information encoded in a barcode displayed on a display device of the client device. 18 . The non-transitory computer readable storage medium of claim 16 , wherein the verification information comprises one or more of: a password and one or more biometrics associated with the user. 19 . The non-transitory computer readable storage medium of claim 16 , wherein respective close proximity data communication includes any of: scanning a barcode, near-field communication, Bluetooth communication, and Wi-Fi communication. 20 . The non-transitory computer readable storage medium of claim 16 , wherein the verification request further includes itemized values of the one or more items corre
Billing or invoicing · CPC title
specially adapted for billing systems · CPC title
using location information · CPC title
Bill distribution or payments · CPC title
Transactions dependent on location of M-devices · CPC title
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