Enhanced Mobile Transactions and Payments

Patent metadata

Field	Value
Publication number	US-2016267458-A1
Application number	US-201514984836-A
Country	US
Kind code	A1
Filing date	Dec 30, 2015
Priority date	Mar 11, 2015
Publication date	Sep 15, 2016
Grant date	—

Abstract

Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include receiving configuration information that allows a mobile payment system to request that a computing device use an application for a requested mobile transaction, sending a request to the computing device to use the application for the mobile transaction, receiving a response indicating whether the application is available to the computing device, automatically processing the mobile transaction using the application when the application is available to the computing device, and processing the mobile transaction using standard processing without use of the application when the application is unavailable to the computing device or the user wishes to use standard processing.

First claim

What is claimed is:

1 . A computer system, comprising:
a non-transitory memory storing instructions; and one or more hardware processors coupled to the non-transitory memory and configured to read the instructions from the non-transitory memory to cause the system to perform operations comprising:
sending a request to a computing device to use an application for a mobile transaction;
receiving a response indicating whether the application is available to the computing device; and
processing the mobile transaction based on whether the application is available to the computing device.

2 . The computer system of claim 1 , wherein the operations further comprise:
receiving an indication that a user of the computing device desires to use the application for the mobile transaction when the mobile transaction is available to the computing device.

3 . The computer system of claim 1 , wherein the operations further comprise:
receiving configuration information for requesting that the computing device use the application for the mobile transaction.

4 . The computer system of claim 3 , wherein the configuration information is received by a payment terminal allowing the payment terminal to perform previously unavailable payment processing.

5 . The computer system of claim 1 , wherein the operations further comprise:
processing the mobile transaction using the application when the application is available to the computing device.

6 . The computer system of claim 1 , wherein the processing of the mobile transaction is performed automatically without user input when the application is available to the computer device.

7 . The computer system of claim 1 , wherein the operations further comprise:
processing the mobile transaction without use of the application when the application is unavailable to the computing device.

8 . A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
sending a request to a computing device to use an application for a mobile transaction; receiving a response indicating whether the application is available to the computing device; and processing the mobile transaction according to whether the application is available to the computing device.

9 . The non-transitory machine-readable medium of claim 8 , wherein the operations further comprise:
receiving an indication that a user of the computing device desires to use the application for the mobile transaction when the mobile transaction is available to the computing device.

10 . The non-transitory machine-readable medium of claim 8 , wherein the operations further comprise:
receiving configuration information to allow requesting that the computing device use the application for the mobile transaction.

11 . The non-transitory machine-readable medium of claim 8 , wherein the operations further comprise:
processing the mobile transaction using the application when the application is available to the computing device.

12 . The non-transitory machine-readable medium of claim 8 , wherein the operations further comprise:
processing the mobile transaction without use of the application when the application is unavailable to the computing device.

13 . The non-transitory machine-readable medium of claim 8 , wherein the processing is performed using standard payment processing available to a payment terminal instead of the application.

14 . The non-transitory machine-readable medium of claim 8 , wherein the request comprises an incentive for a user of the computing device to select the application for use in processing the mobile transaction.

15 . The non-transitory machine-readable medium of claim 8 , wherein the application is associated with a merchant-selected mobile payment provider.

16 . A computer-implemented method, comprising:
sending a request to a computing device to use an application for a mobile transaction; receiving a response indicating whether the application is available to the computing device; and processing the mobile transaction based on whether the application is available to the computing device.

17 . The computer-implemented method of claim 16 , wherein the operations further comprise:
receiving an indication that a user of the computing device desires to use the application for the mobile transaction when the mobile transaction is available to the computing device.

18 . The computer-implemented method of claim 16 , wherein the operations further comprise:
receiving configuration information to allow requesting use of the application for the mobile transaction.

19 . The computer-implemented method of claim 16 , wherein the operations further comprise:
processing the mobile transaction using the application when the application is available to the computing device.

20 . The computer-implemented method of claim 16 , wherein the operations further comprise:
processing the mobile transaction without use of the application when the application is unavailable to the computing device.

Assignees

• Paypal Inc

Inventors

• Metral Max Edward

Classifications

• G06Q20/023 Primary

  the neutral party being a clearing house · CPC title

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06Q20/322 Primary

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

• G06Q20/321

  using wearable devices · CPC title