Accessing digital wallet information using a point-of-sale device

Patent metadata

Field	Value
Publication number	US-2018349889-A1
Application number	US-201715610316-A
Country	US
Kind code	A1
Filing date	May 31, 2017
Priority date	May 31, 2017
Publication date	Dec 6, 2018
Grant date	—

Abstract

A system is configured to perform operations that include receiving an input corresponding to a transaction by a user at a merchant location and determining, based on the input, an identifier corresponding to the user. The operations also include authenticating, via an electronic network, the user with a payment provider server of a payment provider and accessing from the payment provider server based on the identifier, digital wallet information corresponding an account of the user that is maintained by the payment provider. The operations further include receiving a selection of a first digital payment instrument of one or more digital payment instruments and transmitting, via a payment network to a payment processor, payment instructions that cause the payment processor to process a payment corresponding to the transaction using first payment information associated with the first digital payment instrument.

First claim

What is claimed is:

1 . A merchant point-of-sale (POS) device associated with a merchant, the merchant POS device comprising:
a display; a memory storing computer-executable instructions; and one or more hardware processors configured to execute the computer-executable instructions to cause the merchant POS device to perform operations comprising:
receiving an input corresponding to a transaction by a user at a merchant location, the merchant POS device associated with the merchant location;
determining, based on the input, an identifier corresponding to the user;
authenticating, via an electronic network, the user with a payment provider server of a payment provider;
accessing, via the electronic network, from the payment provider server based on the identifier, digital wallet information corresponding an account of the user that is maintained by the payment provider;
presenting, via the display, one or more digital payment instruments associated with the digital wallet account;
receiving a selection of a first digital payment instrument of the one or more digital payment instruments; and
transmitting, via a payment network to a payment processor, payment instructions that cause the payment processor to process a payment corresponding to the transaction using first payment information associated with the first digital payment instrument.

2 . The merchant POS device of claim 1 , wherein the operations further comprise:
receiving a second selection of a second digital payment instrument of the one or more digital payment instruments, wherein the payment instructions cause the payment processor to process the payment using the first payment information and second payment information associated with the second digital payment instrument.

3 . The merchant POS device of claim 2 , wherein the first digital payment instrument corresponds to a credit card, and the second digital payment instrument corresponds to a coupon.

4 . The merchant POS device of claim 1 , wherein the first payment information comprises information selected from a group consisting of credit card information, coupon information, loyalty card information associated with the merchant, bank account information, gift card information, and electronic check information.

5 . The merchant POS device of claim 1 , wherein the authenticating the user with the payment provider server comprises:
receiving, from the payment provider server, a request for one or more types of authentication credentials, the one or more types of authentication credentials determined based on a trustworthiness score associated with the transaction; and transmitting user provided authentication credentials to the payment provider server subsequent to the receiving the request.

6 . The merchant POS device of claim 5 , wherein the trustworthiness score is determined based on information selected from a group consisting of shopping history information associated with the user, reputation information associated with the merchant, reputation information associated with the merchant location, location information corresponding to the user, and shopping preference information corresponding to the user.

7 . The merchant POS device of claim 1 , wherein the operations further comprise:
detecting that the user is located within a predetermined distance to the merchant POS device; and activating the display in response to the detecting.

8 . The merchant POS device of claim 1 , wherein the authenticating the user further comprises:
determining, based on the digital wallet information, a second digital payment instrument of the one or more digital payment instruments, the second digital payment instrument associated with a second merchant that is different from the merchant of the merchant POS device; and presenting, via the display, an indication that the second digital payment instrument is unavailable to the user.

9 . A method, comprising:
receiving, by a merchant point-of-sale (POS) device associated with a merchant and a merchant location, an input corresponding to a transaction by a user at the merchant location; determining, by the merchant POS device based on the input, an identifier corresponding to the user; authenticating, by the merchant POS device via an electronic network, the user with a payment provider server of a payment provider; accessing, by the merchant POS device via the electronic network, from the payment provider server based on the identifier, digital wallet information corresponding an account of the user that is maintained by the payment provider; presenting, by the merchant POS device via the display, one or more digital payment instruments associated with the digital wallet account; receiving, by the merchant POS device, a selection of a first digital payment instrument of the one or more digital payment instruments; and transmitting, by the merchant POS device via a payment network to a payment processor, payment instructions that cause the payment processor to process a payment corresponding to the transaction using first payment information associated with the first digital payment instrument.

10 . The method of claim 9 , further comprising:
receiving, by the merchant POS device, a second selection of a second digital payment instrument of the one or more digital payment instruments, wherein the payment instructions cause the payment processor to process the payment using the first payment information and second payment information associated with the second digital payment instrument.

11 . The method of claim 9 , wherein the first payment information comprises information selected from a group consisting of credit card information, coupon information, loyalty card information associated with the merchant, bank account information, gift card information, and electronic check information.

12 . The method of claim 9 , wherein the authenticating the user with the payment provider server comprises:
receiving, from the payment provider server, a request for one or more types of authentication credentials, the one or more types of authentication credentials determined based on a trustworthiness score associated with the transaction; and transmitting user provided authentication credentials to the payment provider server subsequent to the receiving the request.

13 . The method of claim 12 , wherein the trustworthiness score is determined based on information selected from a group consisting of shopping history information associated with the user, reputation information associated with the merchant, reputation information associated with the merchant location, location information corresponding to the user, and shopping preference information corresponding to the user.

14 . The method of claim 9 , wherein the authenticating the user further comprises:
determining, by the merchant POS device based on the digital wallet information, a second digital payment instrument of the one or more digital payment instruments, the second digital payment instrument associated with a second merchant that is different from the merchant of the merchant POS device; and presenting, via the display, an indication that the second digital payment instrument is unavailable to the user.

15 . A non-transitory computer-readable medium storing computer-executable instructions, that in response to execution by one or more hardware processors, causes the one or more hardware processors to perform operations comprising:
receiving an input corresponding to a transaction by a user at a merchant location, the merchant POS device associated wi

Assignees

• Paypal Inc

Inventors

• Ghosh Abhishek
• Rosen Jan
• Savani Bharat
• Nandam Abhishikth
• Bhaduri Surojit

Classifications

• G06Q30/0226

  Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems · CPC title

• G06Q20/204

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

• G06Q20/387

  Payment using discounts or coupons (relating to marketing G06Q30/02) · CPC title

• G06Q20/202

  Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR · CPC title

• G06Q20/3674 Primary

  involving authentication · CPC title