Facilitating cash payment for transit mobile applications

Patent metadata

Field	Value
Publication number	US-9760880-B2
Application number	US-201615058487-A
Country	US
Kind code	B2
Filing date	Mar 2, 2016
Priority date	Mar 2, 2015
Publication date	Sep 12, 2017
Grant date	Sep 12, 2017

Abstract

A method for facilitating bankless cash payments includes determining that a mobile device is within a threshold distance of a particular retail system and receiving a selection of a transit product or a stored value amount to be added to the virtual account. The method may also include providing the selection to a transit system and receiving, from the transit system, a code based on the selection. The code may include an amount to be tendered for the selection to be added to the virtual account. The method may further include providing the code to the particular retail system and receiving the transit product or the stored value amount on the mobile device from the transit system. The transit product or the stored value amount may be received upon the transit system receiving an indication from the retail system that the amount was tendered for the selection.

First claim

What is claimed is:

1. A method for facilitating bankless cash payments, the method comprising:
determining that a mobile device is within a threshold distance of a particular retail system;
receiving a selection of a transit product or a stored value amount to be added to the virtual account;
providing the selection to a transit system;
receiving, from the transit system, a code based on the selection, wherein the code comprises an amount to be tendered for the selection to be added to the virtual account;
providing the code to the particular retail system causing a virtual account to be funded with the selected transit product or the stored value amount, wherein:
the particular retail system is configured to accept cash payments;
the virtual account is funded upon the transit system receiving an indication from the retail system that a cash payment for the amount was tendered for the selection; and
tendering the cash payment does not require any separate account data to be provided to the particular retail system or the transit system;

receiving the transit product or the stored value amount on the mobile device from the transit system, wherein the transit product or the stored value amount is received after the virtual account has been funded using the cash payment; and
providing, by the mobile device, an input to an access point of the transit system, the input causing a change in physical state of a component of the access point.

2. The method for facilitating bankless cash payments of claim 1 , wherein:
determining that the mobile device is within the threshold distance comprises communicating with a beacon proximate to the retail system.

3. The method for facilitating bankless cash payments of claim 1 , wherein:
determining that the mobile device is within the threshold distance comprises:
providing the mobile device's global positioning satellite coordinates to the transit system; and
receiving an indication that the mobile device is proximate to the particular retail system from the transit system, the indication being based on the global positioning satellite coordinates.

4. The method for facilitating bankless cash payments of claim 1 , further comprising:
providing registration information associated with a user of the mobile device to the transit system for creating the virtual account.

5. The method for facilitating bankless cash payments of claim 1 , wherein:
the code comprises one or more of a barcode, a QR code, or an alphanumeric identifier that is displayed on the mobile device.

6. The method for facilitating bankless cash payments of claim 1 , wherein:
the code comprises a data packet that is transmittable to the retail system using a near field communication interface of the mobile device.

7. The method for facilitating bankless cash payments of claim 1 , wherein:
the received transit product or stored value amount comprise one or both of an identifier that is displayable on the mobile device or a data packet that is transmittable using a near field communication interface of the mobile device; and
the received transit product or stored value amount is downloaded from the transit system onto a memory of the mobile device.

8. A non-transitory computer-readable medium having instructions embedded thereon for facilitating bankless cash payments, the instructions comprising computer code for causing a computing device to:
determine that a mobile device is within a threshold distance of a particular retail system;
receive a selection of a transit product or a stored value amount to be added to the virtual account;
provide the selection to a transit system;
receive, from the transit system, a code based on the selection, wherein the code comprises an amount to be tendered for the selection to be added to the virtual account;
provide the code to the particular retail system causing a virtual account to be funded with the selected transit product or the stored value amount, wherein:
the particular retail system is configured to accept cash payments;
the virtual account is funded upon the transit system receiving an indication from the retail system that a cash payment for the amount was tendered for the selection; and
tendering the cash payment does not require any separate account data to be provided to the particular retail system or the transit system;

receive the transit product or the stored value amount on the mobile device from the transit system, wherein the transit product or the stored value amount is received after the virtual account has been funded using the cash payment; and
provide an input to an access point of the transit system, the input causing a change in physical state of a component of the access point.

9. The non-transitory computer-readable medium of claim 8 , wherein:
determining that the mobile device is within the threshold distance comprises communicating with a beacon proximate to the retail system.

10. The non-transitory computer-readable medium of claim 8 , wherein:
determining that the mobile device is within the threshold distance comprises:
providing the mobile device's global positioning satellite coordinates to the transit system; and
receiving an indication that the mobile device is proximate to the particular retail system from the transit system, the indication being based on the global positioning satellite coordinates.

11. The non-transitory computer-readable medium of claim 8 , further comprising instructions for causing the computing device to:
provide registration information associated with a user of the mobile device to the transit system for creating the virtual account.

12. The non-transitory computer-readable medium of claim 8 , wherein:
the code comprises one or more of a barcode, a QR code, or an alphanumeric identifier that is displayed on the mobile device.

13. The non-transitory computer-readable medium of claim 8 , wherein:
the code comprises a data packet that is transmittable to the retail system using a near field communication interface of the mobile device.

14. The non-transitory computer-readable medium of claim 8 , wherein:
the received transit product or stored value amount comprise one or both of an identifier that is displayable on the mobile device or a data packet that is transmittable using a near field communication interface of the mobile device; and
the received transit product or stored value amount is downloaded from the transit system onto a memory of the mobile device.

15. A mobile device for facilitating bankless cash payments comprising:
a display;
a communications interface;
a memory; and
a processor configured to:
determine that a mobile device is within a threshold distance of a particular retail system;
receive, using the communications interface, a selection of a transit product or a stored value amount to be added to the virtual account;
provide, using the communications interface, the selection to a transit system;
receive, from the transit system using the communications interface, a code based on the selection, wherein the code comprises an amount to be tendered for the selection to be added to the virtual account;
provide, using the communications interface, the code to the particular retail system causing a virtual account to be funded with the selected transit product or the stored value amount, wherein:
the particular retail system is configured to accept cash payments;
the virtual account is funded upon the transit system receiving an indication from the retail system that a cash payment for the amount was tendered for the selection;

Assignees

• Cubic Corp

Inventors

• Dekozan David L
• Blue David
• Shreve Ken

Classifications

• G06Q20/045 Primary

  using payment protocols involving tickets · CPC title

• G06Q20/28

  Pre-payment schemes, e.g. "pay before" · CPC title

• G06Q20/3274

  using a pictured code, e.g. barcode or QR-code, being displayed on the M-device · CPC title

• G06Q20/3278

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

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title