Authorization of cardless payment transactions

摘要

A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.

主权项

1. A method of conducting a transaction between a customer and a merchant, comprising:
determining a current geolocation of a customer mobile device using a global positioning system (GPS) receiver of the customer mobile device; at least partly in response to determining that the current geolocation of the customer mobile device is outside a geofence of a merchant point-of-sale (POS) device and at least partly in response to selection of an icon representing the merchant displayed on the customer mobile device, displaying an indication on the customer mobile device that the customer and the merchant cannot conduct a cardless payment transaction; at least partly in response to determining that the current geolocation of the customer mobile device is within the geofence of the merchant POS device,
sending an indication that the customer mobile device is in proximity to the merchant POS device; receiving, from the customer mobile device, permission for personal identifying information of the customer to be displayed at the merchant POS device; displaying the identifying information of the customer within a customer display area of a display of the merchant POS device, the personal identifying information including at least a customer name of the customer; receiving an indication of the customer's consent to enter into a financial transaction with the merchant; receiving, at the merchant POS device, a selection of the customer's personal identifying information from the customer display area, the selection confirming that the financial transaction is to be associated with the customer; and based at least in part on the received selection of the customer's personal identifying information in the merchant POS device, submitting the financial transaction to a financial service for authorization.