Peer-to-peer mobile transaction device

Patent metadata

Field	Value
Publication number	US-2017193468-A1
Application number	US-201514985306-A
Country	US
Kind code	A1
Filing date	Dec 30, 2015
Priority date	Dec 30, 2015
Publication date	Jul 6, 2017
Grant date	—

Abstract

Peer-to-peer mobile transaction devices are provided with a mobile peer-to-peer transaction application to enable mobile devices to perform action, such as transfer money, between each other via direct wireless communication between the mobile devices, such as Bluetooth communication. The mobile peer-to-peer transaction application may allow dynamic and direct transactions between nearby mobile devices via direct wireless communication. For example, the mobile peer-to-peer transaction app may allow friends to easily split a restaurant bill using their mobile devices.

First claim

What is claimed is:

1 . A peer-to-peer mobile transaction device comprising:
a display device configured to display a user interface for implementing peer-to-peer mobile transactions; a user input device configured to receive user instructions for a peer-to-peer mobile transaction; a non-transitory memory configured to store information related to an account of a user of the peer-to-peer mobile transaction device; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions form the non-transitory memory to cause the peer-to-peer mobile transaction device to perform operations comprising:
receiving, by the user input device, a request from the user to conduct a peer-to-peer transaction;
communicating, between another mobile device and the mobile device, information for establishing a transaction arrangement between the user and another user of the another mobile device;
displaying, by the display device, the transaction arrangement on the user interface; and
facilitating, the peer-to-peer transaction based on the transaction arrangement.

2 . The peer-to-peer mobile transaction device of claim 1 , wherein the operations further comprise:
receiving, via the user input device, a request from the user to establish a payment group; broadcasting a wireless signal inviting nearby mobile devices to join the payment group; receiving a request from the another mobile device to join the payment group; and receiving the another mobile device into the payment group.

3 . The peer-to-peer mobile transaction device of claim 2 , wherein the broadcasting the wireless signal includes broadcasting a Bluetooth signal for a particular period of time within which the payment group is available for the nearby mobile devices to join.

4 . The peer-to-peer mobile transaction device of claim 2 , wherein the operations further comprise:
generating a code for the payment group; and verifying that the request from the another mobile device to join the payment group includes the code.

5 . The peer-to-peer mobile transaction device of claim 2 , wherein the request from the another mobile device to join the payment group comprises information indicating a particular gesture performed by the another user at the another mobile device and the operations further comprise verifying that the particular gesture matches a designated gesture for joining the payment group.

6 . The peer-to-peer mobile transaction device of claim 5 , wherein the particular gesture comprises contacting the another mobile device with the peer-to-peer mobile payment device.

7 . The peer-to-peer mobile transaction device of claim 5 , wherein the particular gesture is made by the another user on a touch screen of the another mobile device.

8 . The peer-to-peer mobile transaction device of claim 1 , wherein the operations further comprise:
detecting that a network connection to a payment service provider is not available; and storing information of the peer-to-peer transaction for later upload to the payment service provider when the network connection becomes available.

9 . A method for facilitating peer-to-peer mobile payment, the method comprising:
receiving, by an user input device of a first mobile device, a request from a user of the first mobile device to conduct a peer-to-peer payment transaction; connecting, by the first mobile device, the first mobile device to a second mobile device; facilitating, by the first mobile device, communication between the first mobile device and the second mobile device, information for establishing a payment arrangement between the user of the first mobile device and another user of the second mobile device; displaying, by a display device of the first mobile device, a user interface including the payment arrangement; and facilitating the peer-to-peer payment transaction based on the payment arrangement.

10 . The method of claim 9 , further comprising:
receiving, by the user input device of the first mobile device, a request from the user to join a payment group; detecting, by the first mobile device, a Bluetooth signal from the second mobile device inviting the user of the first mobile device to join the payment group; detecting a particular gesture performed by the user at the first mobile payment device; and communicating, by the first mobile device, the request to join the payment group and information indicating the particular gesture to the second mobile device; and receiving, by the first mobile device, a confirmation from the second mobile device that the first mobile device is included into the payment group.

11 . The method of claim 9 , further comprising:
receiving, by the user interface of the first mobile device, input from the user for establishing the payment arrangement; and establishing the payment arrangement based on the input from the user and input from the another user of the second mobile device.

12 . The method of claim 9 , wherein the payment arrangement comprises splitting a bill between the user and the another user.

13 . The method of claim 9 , further comprising:
providing a gaming interface for determining the payment arrangement; receiving input from the user and the another user via the gaming interface; and determining the payment interface based on the input from the user and the another user.

14 . The method of claim 13 , wherein the gaming interface provides a randomized selection of a payer from the user and the another user.

15 . The method of claim 9 , wherein the payment arrangement is determined based on a payment history of the user and the another user.

16 . The method of claim 9 , further comprising:
detecting that a network connection to a payment service provider is not available; and storing information of the peer-to-peer payment transaction for later upload to the payment service provider when the network connection becomes available.

17 . A non-transitory machine-readable medium having stored thereon machine-readable instruction executable to cause a machine to perform operations comprising:
receiving, by an user input device of a first mobile device, a request from a user of the first mobile device to conduct a peer-to-peer payment transaction; connecting, by the first mobile device, the first mobile device to a second mobile device; facilitating, by the first mobile device, communication between the first mobile device and the second mobile device, information for establishing a payment arrangement between the user of the first mobile device and another user of the second mobile device; displaying, by a display device of the first mobile device, a user interface including the payment arrangement; and facilitating the peer-to-peer payment transaction based on the payment arrangement.

18 . The non-transitory machine-readable medium of claim 17 , wherein the operations further comprise:
receiving, via the user input device, a request from the user to establish a payment group; broadcasting a Bluetooth signal inviting nearby mobile devices to join the payment group; receiving a request from the second mobile device to join the payment group; and receiving the second mobile device into the payment group.

19 . The non-transitory machine-readable medium of claim 17 , wherein the operations further comprise:
receiving, by the user input device of the first mobile device, a request from the user to join a payment group; detecting, by the first mobile device, a Bluetooth

Assignees

• Paypal Inc

Inventors

• Chougule Prakash Tukaram
• Min Eric Byungho

Classifications

• G06Q20/102 Primary

  Bill distribution or payments · CPC title

• G06Q20/223

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

• H04L67/1061

  using node-based peer discovery mechanisms (static access to replicated servers H04L67/1006; service discovery H04L67/51) · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/3278

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