Pay-by-name payment check-in with a payment card
A technique for providing a pay-by-name payment experience is disclosed. A point-of-sale (POS) system at a store receives information identifying an account with a central server from a payment card using a short-range wireless technology. In response to that, it obtains information regarding the account, including a person's name associated with the account, using the received information. It also accepts a name from a specific consumer in the vicinity. At this point, it determines whether the name accepted from the specific consumer and the name associated with the account are identical. If it determines that the two names are identical, it checks-in the consumer to the store.
1. A method performed by a personal mobile communication device, the method comprising:
receiving, by an application executing on the personal mobile communication device storing information identifying a financial account on a server system, a request to send the information identifying the financial account to a point-of-sale (PSO) system via the application, wherein the request is received from a payment card associated with the personal mobile communication device via a short-range wireless communication link;
determining, by the personal mobile communication device, that the POS system is in proximity to the personal mobile communication device;
receiving, by the application executing on the personal mobile communication device, information identifying a merchant from the POS system;
determining, by the personal mobile communication device, location information for the personal mobile communication device;
determining, by the personal mobile communication device, whether the POS system is associated with the merchant based on a comparison of the information identifying the merchant and the location information for the personal mobile communication device; and
in response to a first determination result indicating that the POS system is associated with the merchant, causing delivery of the information identifying the financial account to the POS system.
2. The method of claim 1 , wherein the determining whether the POS system is associated with the merchant, further comprises:
identifying a current location from the location information for the personal mobile communication device;
identifying an official location of the merchant using the information identifying the merchant; and
determining whether the identified current location and the identified official location match.
3. The method of claim 2 , further comprising:
in response to a second determination result indicating that the identified current location and the identified official location match, sending a confirmation of the delivery to the payment card; and
in response to the second determination result indicating that the identified current location and the identified official location do not match, sending an error notification to the payment card.
4. The method of claim 2 , wherein the current location is identified by using a built-in Global Positioning System (GPS) feature.
5. The method of claim 2 , wherein the official location of the merchant is identified by contacting the server system or by searching the web.
6. The method of claim 1 , wherein the personal mobile communication device is a phone, a laptop computer, a tablet computer, a watch, eyewear, a personal digital assistant, or a camera.
7. The method of claim 1 , wherein the short-range wireless communication link is Bluetooth Low Energy (BLE), Bluetooth, Wi-Fi, Near Field Communication (NFC), or Radio-Frequency Identification (RFID).
8. The method of claim 1 , wherein after the delivery of the information identifying the financial account to the POS system, the POS system and the payment card process a transaction based on the financial account.
9. The method of claim 1 , wherein the determining whether the POS system is associated with the merchant is further based on a method of payment accepted by the POS system.
10. The method of claim 1 , wherein the determining whether the POS system is associated with the merchant further comprises determining whether the POS system is capable of accepting the payment card associated with the personal mobile communication device.
11. The method of claim 1 , wherein the application executing on the personal mobile communication device is downloaded from the server system.
12. The method of claim 1 , wherein the request is received based on a detection that the personal mobile communication device is in a particular proximity to the payment card.