Location-based automatic payment system

摘要

A method for making a location-based automatic payment includes receiving an automatic payment instruction that designates a payee account. The automatic payment instruction is associated with a payer account in a database. A payment location is received and associated with the automatic payment request in the database. A payer device that is associated with the payer account is determined to be in the payment location and, in response, a payment request is sent over a network to make a payment from the payer account to the payee account.

主权项

1. An electronic location-based automatic payment system providing time and location-based security, comprising:
a Global Positioning System (GPS) device that is located in a payer device; an input device that is located on the payer device; a non-transitory memory that is located in the payer device and that stores payer account information for a payer; and one or more hardware processors that are located in the payer device, coupled to the non-transitory memory, the input device, and the GPS device, wherein the one or more hardware processors are configured to:
receive, from the input device on the payer device and through at least one graphical user interface displayed on the payer device, an automatic payment instruction that designates a payee account, a payment amount, and a payment time period;associate the automatic payment instruction with the payer account information in the non-transitory memory;receive a payment location;associate the payment location with the automatic payment instruction in the non-transitory memory;receive, from the GPS device at a plurality of different times, a GPS location subsequent to associating the payment location with the automatic payment instruction in the non-transitory memory;retrieve, at each of the plurality of different times, a current time;determine, at each of the plurality of different times, whether automatic payment conditions are satisfied by determining whether:
the GPS location corresponds to the payment location that is associated with the automatic payment instruction in the non-transitory memory; andthat the current time is within the payment time period;send for each of the one or more instances in which the automatic payment conditions are determined to be satisfied, a payment request over the Internet to a payment processing device to make a payment from the payer account to the payee account for the payment amount that is designated by the automatic payment instruction in the non-transitory memory; andprovide, for display on the payer device in response to sending each payment request, a payment alert having a map that identifies the payment location.