SYSTEM AND METHOD FOR USER CONTROLLED LOG-IN; INTERACTING AND LOG-OUT
A system in which a user controls the log-in, transaction, and log-out process with respect to a merchant. The user's presence at the merchant's facility triggers the log-in process, such that the merchant's systems become aware of the user's presence. Once the user is registered with the merchant, information and services become available to the user without further action required by the user. Transactions are facilitated, specials are brought to the user's attention, personal shopping becomes available while the user remains in the facility. Upon leaving the facility, or after a certain elapsed time with a transaction being consummated, the user is logged-out of the system.
1 . A system for obtaining payment and authentication information for payment transactions at a merchant facility based on a proximity of a wireless device to a host device at the merchant facility, the system comprising:
a host device having one or more physical processors programmed by computer program instructions to:
determine that a wireless device associated with a user is within a proximity of the host device;
obtain an identifier related to the wireless device when the wireless device is within the proximity of the host device;
obtain a user profile related to the user based on the identifier, wherein the user profile includes payment information to be used in a payment transaction at the merchant facility;
receive, from the wireless device, a password used to authenticate the user to secure a payment transaction before a user authorization of the payment transaction is received;
receive the user authorization of the payment transaction from the wireless device; and
facilitate the payment transaction based on the user profile information and the password responsive to the user authorization.
2 . The system of claim 1 , wherein the wireless device is activated such that the wireless device is enabled to facilitate one or more purchase transactions with respect to the host device after the password is received, and wherein the one or more physical processors are further programmed to:
determine whether the wireless device remains activated after the password is received; and
responsive to a determination that the wireless device is de-activated, prevent one or more subsequent payment transactions from occurring in relation to the wireless device.
3 . The system of claim 2 , wherein the one or more physical processors are further programmed to:
determine a time of inactivity of the wireless device; and
de-activate the wireless device when the time of inactivity meets or exceeds a predetermined threshold time.
4 . The system of claim 2 , wherein the one or more physical processors are further programmed to:
determine that the wireless device is no longer with the proximity of the host device; and
de-activate the wireless device responsive to the determination that the wireless device is no longer with the proximity of the host device.
5 . The system of claim 2 , wherein the one or more physical processors are further programmed to:
determine that a limit for a payment account associated with the payment information has been exceeded; and
de-activate the wireless device responsive to the determination that the limit for the payment account associated with the payment information has been exceeded.
6 . The system of claim 1 , wherein the one or more physical processors are further programmed to:
receive a de-activate signal from the wireless device; and
de-activate the wireless device responsive to the de-activate signal.
7 . The system of claim 1 , wherein the one or more physical processors are further programmed to:
obtain information related to one or more items or services provided at the merchant facility; and
provide the information related to the one or more items or services to the wireless device after the determination that the wireless device is within the proximity of the host device and before the user authorization is received.
8 . The system of claim 7 , wherein the information related to the one or more items or services comprises a promotion related to the one or more items or services.
9 . The system of claim 7 , wherein the information related to the one or more items or services comprises one or more menu items of a restaurant.
10 . The system of claim 9 , wherein the one or more menu items are selectable at the wireless device, and wherein the one or more processors are further programmed to:
receive a selection of the one or more menu items from the wireless device; and
facilitate an order of the selected one or more menu items.
11 . The system of claim 7 , wherein the information related to the one or more items or services comprises information related to a prescription drug order of a pharmacy at the merchant facility.
12 . The system of claim 7 , wherein the information related to the one or more items or services comprises an indication that the one or more items or services are available for the user.
13 . The system of claim 12 , wherein the indication that the one or more items or services are available for the user comprises an indication that a prescription drug order at a pharmacy has been filled or a table at a restaurant is ready.
14 . The system of claim 7 , wherein the information related to the one or more items or services comprises a prompt to the user for additional information related to an order associated with the one or more items or services.
15 . The system of claim 1 , wherein the one or more processors are further programmed to provide an indication to one or more personnel at the merchant facility that the wireless device is within the proximity of the host device.
16 . The system of claim 15 , wherein the indication to the one or more personnel comprises an indication to process an order to be fulfilled at the merchant facility.
17 . The system of claim 1 , wherein the password is received from the wireless device before an item identification of an item to be purchased is added to a point of sale that processes the purchase transaction.
18 . A computer implemented method for obtaining payment and authentication information for payment transactions at a merchant facility based on a proximity of a wireless device to a host device at the merchant facility, the method being implemented on a host device having one or more physical processors programmed by computer program instructions that when executed cause the one or more physical processors to perform the method, the method comprising:
determining, by the one or more physical processors, that a wireless device associated with a user is within a proximity of the host device;
obtaining, by the one or more physical processors, an identifier related to the wireless device when the wireless device is within the proximity of the host device;
obtaining, by the one or more physical processors, a user profile related to the user based on the identifier, wherein the user profile includes payment information to be used in a payment transaction at the merchant facility;
receiving, by the one or more physical processors from the wireless device, a password used to authenticate the user to secure a payment transaction before a user authorization of the payment transaction is received;
receiving, by the one or more physical processors, the user authorization of the payment transaction from the wireless device; and
facilitating, by the one or more physical processors, the payment transaction based on the user profile information and the password responsive to the user authorization.
19 . The method of claim 18 , wherein the wireless device is activated such that the wireless device is enabled to facilitate one or more purchase transactions with respect to the host device after the password is received, the method further comprising:
determining whether the wireless device remains activated after the password is received; and
responsive to a determination that the wireless device is de-activated, preventing one or more subsequent payment transactions from occurring in relation to the wireless device.
20 . The method of claim 19 , the method further comprising:
determining a time of inactivity of the wireless device; and
de-activating the wireless device when the time of inactivity meets or exceeds a predetermined threshold time.
21 . The method of claim 19 , the method further comprising:
determining that the wireless device is no longer with the proximity of the host device; and
de-activating the wireless device responsive to the determination that the wireless device is no longer with the proximity of the host device.
22 . The method of claim 19 , the method further comprising:
determining that a limit for a payment account associated with the payment information has been exceeded; and
de-activating the wireless device responsive to the determination that the limit for the payment account associated with the payment information has been exceeded.
23 . The method of claim 18 , the method further comprising:
receiving a de-activate signal from the wireless device; and
de-activating the wireless device responsive to the de-activate signal.
24 . The method of claim 18 , the method further comprising:
obtaining information related to one or more items or services provided at the merchant facility; and
providing the information related to the one or more items or services to the wireless device after the determination that the wireless device is within the proximity of the host device and before the user authorization is received.
25 . The method of claim 24 , wherein the information related to the one or more items or services comprises a promotion related to the one or more items or services.
26 . The method of claim 24 , wherein the information related to the one or more items or services comprises one or more menu items of a restaurant.
27 . The method of claim 26 , wherein the one or more menu items are selectable at the wireless device, the method further comprising:
receiving a selection of the one or more menu items from the wireless device; and
facilitating an order of the selected one or more menu items.
28 . The method of claim 24 , wherein the information related to the one or more items or services comprises information related to a prescription drug order of a pharmacy at the merchant facility.
29 . The method of claim 24 , wherein the information related to the one or more items or services comprises an indication that the one or more items or services are available for the user.
30 . The method of claim 29 , wherein the indication that the one or more items or services are available for the user comprises an indication that a prescription drug order at a pharmacy has been filled or a table at a restaurant is ready.
31 . The method of claim 24 , wherein the information related to the one or more items or services comprises a prompt to the user for additional information related to an order associated with the one or more items or services.
32 . The method of claim 18 , the method further comprising:
providing an indication to one or more personnel at the merchant facility that the wireless device is within the proximity of the host device.
33 . The method of claim 32 , wherein the indication to the one or more personnel comprises an indication to process an order to be fulfilled at the merchant facility.
34 . The method of claim 18 , wherein the password is received from the wireless device before an item identification of an item to be purchased is added to a point of sale that processes the purchase transaction.