Systems and methods for facilitating point of sale transactions
View Patent ↗Systems and methods for facilitating point of sale transactions. In one embodiment, a computer-implemented method can be provided. The method can include collecting, by a mobile device at a merchant point of sale, merchant contextual information associated with a merchant station at a merchant location. The method can also include identifying payment information stored on the mobile device. Further, the method can also include providing the merchant contextual information and the payment information to a merchant device in order to complete a point of sale transaction.
1. One or more non-transitory computer-readable media configured to store computer-executable instructions that, when executed by one or more processors, configure the one or more processors to:
store, in at least one secure element component of a mobile device, user payment information including one or more payment account numbers;
proposing a contactless payment transaction between a user of the mobile device and a merchant, via a wallet application on the mobile device, before the mobile device is at a merchant location of the merchant associated with the proposed contactless payment transaction;
receive instructions, at the wallet application, to initiate the wallet application on the mobile device while the user of the mobile device is at the merchant location;
determine, utilizing the wallet application, merchant identification information for the proposed contactless payment transaction based at least in part on comparing a position of the mobile device using global positioning system (GPS) coordinates received from a GPS application of the mobile device with a determined merchant location of the merchant wherein the determined merchant identification information comprises a merchant identifier;
determine, based at least in part on the determined merchant identification information, merchant contextual information including an identifier of a merchant device at the merchant location;
in response to determining the merchant identification information, determine, by utilizing the wallet application to access the at least one secure element component a payment account number from the one or more payment account numbers on the at least one secure element component to be used in association with the proposed contactless payment transaction;
identify, utilizing the wallet application, user loyalty account information of the user associated with the merchant and stored in association with the payment account number in the at least one secure element component;
receive, utilizing the wallet application, user input for identification of a merchant payment station at the merchant location, wherein the merchant payment station is not configured to accept the proposed contactless payment transaction; and
upon determining that the merchant payment station is not configured to accept the proposed contactless payment transaction, provide, utilizing the wallet application, the determined merchant contextual information, the payment account number from the at least one secure element component, and the identified user loyalty account information to the merchant device to complete a point of sale transaction for the proposed contactless payment transaction via wireless communication and to facilitate a redemption of loyalty points in association with the proposed contactless payment transaction.
2. The one or more non-transitory computer-readable media of claim 1 , wherein the merchant payment station comprises one of (i) a gas pump or (ii) a restaurant table location.
3. The one or more non-transitory computer-readable media of claim 1 , wherein the determined merchant identification information is collected by reading data from one or more contactless tags associated with the merchant payment station.
4. The one or more non-transitory computer-readable media of claim 1 , wherein the determined merchant identification information is collected by scanning at least one of (i) a barcode image or (ii) a quick response code image associated with the merchant payment station.
5. The one or more non-transitory computer-readable media of claim 1 , wherein the computer-executable instructions further configure the one or more processors to:
activate a location-based application on the mobile device;
determine, utilizing the location-based application, the GPS coordinates associated with the mobile device;
identify the merchant located at or near the GPS coordinates; and
provide to the wallet application the merchant identifier and a merchant location identifier associated with the merchant.
6. The one or more non-transitory computer-readable media of claim 1 , wherein the computer-executable instructions further configure the one or more processors to:
establish communication with a merchant location network; and
identify at least a portion of the merchant identification information via the established communication.
7. A computer-implemented method comprising:
storing, in at least one secure element component of a mobile device, user payment information including one or more payment account numbers;
proposing a contactless payment transaction between a user of the mobile device and a merchant, via a wallet application on the mobile device, before the mobile device is at a merchant location of the merchant associated with the proposed transaction;
receiving instructions, at the wallet application, to initiate the wallet application on the mobile device while the user of the mobile device is at the merchant location;
determining, utilizing the wallet application, merchant identification information for the proposed contactless payment transaction based at least in part on comparing a position of the mobile device using global positioning system (GPS) coordinates received from a GPS application of the mobile device with a determined merchant location of the merchant, wherein the determined merchant identification information comprises a merchant identifier;
determining, based at least in part on the determined merchant identification information, merchant contextual information including an identifier of a merchant device at the merchant location;
in response to determining the merchant identification information, determining, utilizing the wallet application to access the at least one secure element component, a payment account number from the one or more payment account numbers on the at least one secure element component to be used in association with the proposed contactless payment transaction;
identifying, utilizing the wallet application, user loyalty account information of the user associated with the merchant and stored in association with the payment account number in the at least one secure element component;
receiving, utilizing the wallet application, user input for identification of a merchant payment station at the merchant location, wherein the merchant payment station is not configured to accept the proposed contactless payment transaction; and
upon determining that the merchant payment station is not configured to accept the proposed contactless payment transaction, providing, utilizing the wallet application, the determined merchant contextual information, the payment account number from the at least one secure element component, and the identified user loyalty account information to the merchant device via wireless communication to complete a point of sale transaction for the proposed contactless payment transaction and to facilitate a redemption of loyalty points in association with the proposed contactless payment transaction.
8. The computer-implemented method of claim 7 , wherein the merchant payment station comprises one of (i) a gas pump or (ii) a restaurant table location.
9. The computer-implemented method of claim 7 , wherein the determined merchant identification information is collected by reading data from one or more contactless tags associated with the merchant payment station.
10. The computer-implemented method of claim 7 , wherein the determined merchant identification information is collected by scanning at least one of (i) a barcode image or (ii) a quick response code image associated with the merchant payment station.
11. The computer-implemented method of claim 7 , further comprising:
activating a location-based application on the mobile device;
determining, using the location-based application, the GPS coordinates associated with the mobile device;
identifying the merchant located at or near the GPS coordinates; and
providing to the wallet application the merchant identifier and a merchant location identifier associated with the merchant.
12. The computer-implemented method of claim 7 , further comprising:
establishing communication with a merchant location network; and
identifying at least a portion of the determined merchant identification information via the established communication.