PERSON TO PERSON PHOTO PAYMENTS
Photos of recent or prior payees are shown on a user device, such as a smart phone or tablet. The user or payer can select a photo, enter an amount to send, and confirm a payment. The payment provider then processes the payment with minimal input from the payer. Because the photos are of recent or previous payees, the user is able to make a person to person payment with less steps than conventional person to person payments.
1 . A system comprising:
a non-transitory memory storing user account information, wherein the information comprises information identifying payees of a user from a user account; and
one or more hardware processors in communication with the non-transitory memory and configured for:
receiving a request for payment from a user to a payee;
receiving identification information of the payee from a photo selected by the user on a user device;
receiving a payment amount from the user to the payee; and
processing the request.
2 . The system of claim 1 , wherein the photo is selected from a plurality of photos of prior user payees.
3 . The system of claim 2 , wherein the plurality of photos is provided by a payment provider.
4 . The system of claim 1 , wherein the photo is selected from a plurality of photos of recent prior user payees.
5 . The system of claim 1 , wherein the one or more hardware processors is further configured for providing a list of contacts near the user.
6 . The system of claim 1 , wherein the one or more hardware processors is further configured for determining whether the payee is a prior payee.
7 . The system of claim 1 , wherein the identification information comprises an email address or a phone number.
8 . The system of claim 1 , wherein the one or more hardware processors is further configured for requesting the user to confirm the identification information from the photo.
9 . The system of claim 8 , wherein the user is requested to confirm the identification information when the payee is not a prior payee.
10 . A method comprising:
receiving, electronically by a hardware processor of a payment provider, a request for payment from a user to a payee;
receiving, electronically by the hardware processor, identification information of the payee from a photo selected by the user on a user device;
receiving, electronically by the hardware processor, a payment amount from the user to the payee; and
processing the request.
11 . The method of claim 10 , wherein the photo is selected from a plurality of photos of prior user payees.
12 . The method of claim 11 , wherein the plurality of photos is provided by a payment provider.
13 . The method of claim 10 , wherein the photo is selected from a plurality of photos of recent prior user payees.
14 . The method of claim 10 , further comprising providing a list of contacts near the user.
15 . The method of claim 10 , further comprising determining whether the payee is a prior payee.
16 . A non-transitory computer readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:
receiving a request for payment from a user to a payee;
receiving identification information of the payee from a photo selected by the user on a user device;
receiving a payment amount from the user to the payee; and
processing the request.
17 . The non-transitory computer readable medium of claim 16 , wherein the photo is selected from a plurality of photos of prior user payees.
18 . The non-transitory computer readable medium of claim 17 , wherein the plurality of photos is provided by a payment provider.
19 . The non-transitory computer readable medium of claim 16 , wherein the photo is selected from a plurality of photos of recent prior user payees.
20 . The non-transitory computer readable medium of claim 16 , wherein the method further comprises providing a list of contacts near the user.