IP Library › Patent Application 14799242

Patent Application

App. No. 14/799,242

Point-to-Point Transaction Guidance Apparatuses, Methods and Systems

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Patent No.: US None
App. No.: 14/799,242

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Abstract

The Point-to-Point Transaction Guidance Apparatuses, Methods and Systems (“P2PTG”) transforms virtual wallet address inputs via P2PTG components into transaction confirmation outputs. In one embodiment, the P2PTG includes a point-to-point payment guidance apparatus, comprising, a memory and processor disposed in communication with the memory, and configured to issue a plurality of processing instructions from the component collection stored in the memory, to: obtain a target wallet identifier registration at a beacon. The P2PTG then may register the target wallet identifier with the beacon and obtain a unique wallet identifier from a migrant wallet source associated with a user at the beacon. The P2PTG may then obtain a target transaction request at the beacon from the migrant wallet source and commit the target transaction request for the amount specified in the target transaction request to a distributed block chain database configured to propagate the target transaction request across a distributed block chain database network for payment targeted to the target wallet identifier registered at the beacon.

Claims (146)

1 . A point-to-point payment guidance apparatus, comprising:

a memory;

a component collection in any of memory and communication, including:

a point-to-point guidance component;

a processor disposed in communication with the memory, and configured to issue a plurality of processing instructions from the component collection stored in the memory,

wherein a processor issues instructions from the point-to-point guidance component, stored in the memory, to:

obtain a target wallet identifier registration at a beacon;

obtain a unique wallet identifier from a migrant wallet source associated with a user at the beacon;

obtain a target transaction request at the beacon from the migrant wallet source;

commit the target transaction request for the amount specified in the target transaction request to a distributed block chain database configured to propagate the target transaction request across a distributed block chain database network for payment targeted to the target wallet identifier registered at the beacon.

2 . The apparatus of claim 1 , wherein the beacon is registered to an organization.

3 . The apparatus of claim 2 , wherein the target wallet identifier is of an employee of the organization.

4 . The apparatus of claim 3 , further, comprising:

verify the target wallet identifier is associated with the organization.

5 . The apparatus of claim 4 , wherein the verification includes identifying the target wallet identifier exists in the organization's database.

6 . The apparatus of claim 4 , wherein the verification includes authentication credentials.

7 . The apparatus of claim 6 , wherein the authentication credentials are digitally signed.

8 . The apparatus of claim 6 , wherein the authentication credentials are encrypted.

9 . The apparatus of claim 6 , wherein the registration of the target wallet occurs upon the verification.

10 . The apparatus of claim 1 , wherein the target transaction request includes a number of additional fields specified in an 80 byte transaction payload.

11 . The apparatus of claim 10 , wherein the fields include a tip amount.

12 . The apparatus of claim 10 , wherein the fields include the beacon's unique identifier.

13 . The apparatus of claim 10 , wherein the fields include the target wallet identifier.

14 . The apparatus of claim 10 , wherein the fields include the user's identification information.

15 . The apparatus of claim 1 , wherein the beacon is a target mobile user device with access to a target user's target wallet associated with the target wallet identifier.

16 . The apparatus of claim 1 , wherein the unique wallet identifier's source is a source mobile user device with access to a user's source wallet associated with the unique wallet identifier.

17 . The apparatus of claim 10 , wherein the fields include a transaction amount.

18 . The apparatus of claim 10 , wherein the fields include a transaction item.

19 . The apparatus of claim 1 , wherein the beacon may be integral to a device.

20 . The apparatus of claim 19 , wherein the integration may be through a smart device having a processor and wireless communication.

21 . The apparatus of claim 19 , wherein the integration may be by affixing a beacon to the device.

22 . The apparatus of claim 19 , wherein the beacon may be affixed to a utility meter.

23 . The apparatus of claim 19 , wherein the beacon affixed to a utility meter may be read by a user.

24 . The apparatus of claim 19 , wherein the beacon affixed to a utility meter may be read by a user and outstanding usage may be paid by the user.

25 . The apparatus of claim 19 , wherein the beacon affixed to a utility meter is a refrigerator at a hotel, and usage metrics include items consumed by the user.

26 . The apparatus of claim 19 , wherein the beacon affixed to a utility meter is a thermostat at a hotel, and usage metrics include items consumed by the user.

27 . The apparatus of claim 19 , wherein the beacon affixed to a utility meter is a television at a hotel, and usage metrics include items viewed by the user.

28 . The apparatus of claim 19 , wherein the beacon affixed to a utility meter is a button affixed to consumables at a hotel, and usage metrics include items consumed by the user.

29 . A processor-readable point-to-point payment guidance non-transient medium storing processor-executable components, the components, comprising:

a component collection stored in the medium, including:

a point-to-point guidance component;

wherein the component collection, stored in the medium, includes processor-issuable instructions to:

obtain a target wallet identifier registration at a beacon;

obtain a unique wallet identifier from a wallet source associated with a user at the beacon;

obtain a target transaction request at the beacon from the wallet source;

30 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the beacon is registered to an organization.

31 . The processor-readable point-to-point payment guidance non-transient medium of claim 30 , wherein the target wallet identifier is of an employee of the organization.

32 . The processor-readable point-to-point payment guidance non-transient medium of claim 31 , further, comprising:

instructions to verify the target wallet identifier is associated with the organization.

33 . The processor-readable point-to-point payment guidance non-transient medium of claim 32 , wherein the verification includes identifying the target wallet identifier exists in the organization's database.

34 . The processor-readable point-to-point payment guidance non-transient medium of claim 32 , wherein the verification includes authentication credentials.

35 . The processor-readable point-to-point payment guidance non-transient medium of claim 34 , wherein the authentication credentials are digitally signed.

36 . The processor-readable point-to-point payment guidance non-transient medium of claim 34 , wherein the authentication credentials are encrypted.

37 . The processor-readable point-to-point payment guidance non-transient medium of claim 32 , wherein the registration of the target wallet occurs upon the verification.

38 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the target transaction request includes a number of additional fields specified in an 80 byte transaction payload.

39 . The processor-readable point-to-point payment guidance non-transient medium of claim 38 , wherein the fields include a tip amount.

40 . The processor-readable point-to-point payment guidance non-transient medium of claim 38 , wherein the fields include the beacon's unique identifier.

41 . The processor-readable point-to-point payment guidance non-transient medium of claim 38 , wherein the fields include the target wallet identifier.

42 . The processor-readable point-to-point payment guidance non-transient medium of claim 38 , wherein the fields include the user's identification information.

43 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the beacon is a target mobile user device with access to a target user's target wallet associated with the target wallet identifier.

44 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the unique wallet identifier's source is a source mobile user device with access to a user's source wallet associated with the unique wallet identifier.

45 . The processor-readable point-to-point payment guidance non-transient medium of claim 38 , wherein the fields include a transaction amount.

46 . The processor-readable point-to-point payment guidance non-transient medium of claim 38 , wherein the fields include a transaction item.

47 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the beacon may be integral to a device.

48 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the integration may be through a smart device having a processor and wireless communication.

49 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the integration may be by affixing a beacon to the device.

50 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the beacon may be affixed to a utility meter.

51 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the beacon affixed to a utility meter may be read by a user.

52 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the beacon affixed to a utility meter may be read by a user and outstanding usage may be paid by the user.

53 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the beacon affixed to a utility meter is a refrigerator at a hotel, and usage metrics include items consumed by the user.

54 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the beacon affixed to a utility meter is a thermostat at a hotel, and usage metrics include items consumed by the user.

55 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the beacon affixed to a utility meter is a television at a hotel, and usage metrics include items viewed by the user.

56 . The processor-readable point-to-point payment guidance non-transient medium of claim 29 , wherein the beacon affixed to a utility meter is a button affixed to consumables at a hotel, and usage metrics include items consumed by the user.

57 . A processor-implemented point-to-point payment guidance method, comprising:

executing processor-implemented point-to-point guidance component instructions to:

obtain a target wallet identifier registration at a beacon;

obtain a unique wallet identifier from a wallet source associated with a user at the beacon;

obtain a target transaction request at the beacon from the migrant wallet source;

58 . The processor-implemented point-to-point payment guidance method of claim 57 , wherein the beacon is registered to an organization.

59 . The processor-implemented point-to-point payment guidance method of claim 57 , wherein the target wallet identifier is of an employee of the organization.

60 . The processor-implemented point-to-point payment guidance method of claim 57 , further comprising:

instructions to verify the target wallet identifier is associated with the organization.

61 . The processor-implemented point-to-point payment guidance method of claim 60 , wherein the verification includes identifying the target wallet identifier exists in the organization's database.

62 . The processor-implemented point-to-point payment guidance method of claim 60 , wherein the verification includes authentication credentials.

63 . The processor-implemented point-to-point payment guidance method of claim 62 , wherein the authentication credentials are digitally signed.

64 . The processor-implemented point-to-point payment guidance method of claim 62 , wherein the authentication credentials are encrypted.

65 . The processor-implemented point-to-point payment guidance method of claim 62 , wherein the registration of the target wallet occurs upon the verification.

66 . The processor-implemented point-to-point payment guidance method of claim 60 , wherein the target transaction request includes a number of additional fields specified in an 80 byte transaction payload.

67 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the fields include a tip amount.

68 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the fields include the beacon's unique identifier.

69 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the fields include the target wallet identifier.

70 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the fields include the user's identification information.

71 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the beacon is a target mobile user device with access to a target user's target wallet associated with the target wallet identifier.

72 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the unique wallet identifier's source is a source mobile user device with access to a user's source wallet associated with the unique wallet identifier.

73 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the fields include a transaction amount.

74 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the fields include a transaction item.

75 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the beacon may be integral to a device.

76 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the integration may be through a smart device having a processor and wireless communication.

77 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the integration may be by affixing a beacon to the device.

78 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the beacon may be affixed to a utility meter.

79 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the beacon affixed to a utility meter may be read by a user.

80 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the beacon affixed to a utility meter may be read by a user and outstanding usage may be paid by the user.

81 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the beacon affixed to a utility meter is a refrigerator at a hotel, and usage metrics include items consumed by the user.

82 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the beacon affixed to a utility meter is a thermostat at a hotel, and usage metrics include items consumed by the user.

83 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the beacon affixed to a utility meter is a television at a hotel, and usage metrics include items viewed by the user.

84 . The processor-implemented point-to-point payment guidance method of claim 66 , wherein the beacon affixed to a utility meter is a button affixed to consumables at a hotel, and usage metrics include items consumed by the user.

85 . A processor-implemented point-to-point payment guidance system, comprising:

a point-to-point guidance component means, to:

obtain a target wallet identifier registration at a beacon;

obtain a unique wallet identifier from a wallet source associated with a user at the beacon;

obtain a target transaction request at the beacon from the wallet source;

86 . The processor-implemented point-to-point payment guidance system of claim 85 , wherein the beacon is registered to an organization.

87 . The processor-implemented point-to-point payment guidance system of claim 85 , wherein the target wallet identifier is of an employee of the organization.

88 . The processor-implemented point-to-point payment guidance system 92 , further comprising:

instructions to verify the target wallet identifier is associated with the organization.

89 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the verification includes identifying the target wallet identifier exists in the organization's database.

90 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the verification includes authentication credentials.

91 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the authentication credentials are digitally signed.

92 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the authentication credentials are encrypted.

93 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the registration of the target wallet occurs upon the verification.

94 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the target transaction request includes a number of additional fields specified in an 80 byte transaction payload.

95 . The processor-implemented point-to-point payment guidance system of claim 94 , wherein the fields include a tip amount.

96 . The processor-implemented point-to-point payment guidance system of claim 94 , wherein the fields include the beacon's unique identifier.

97 . The processor-implemented point-to-point payment guidance system of claim 94 , wherein the fields include the target wallet identifier.

98 . The processor-implemented point-to-point payment guidance system of claim 94 , wherein the fields include the user's identification information.

99 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the beacon is a target mobile user device with access to a target user's target wallet associated with the target wallet identifier.

100 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the unique wallet identifier's source is a source mobile user device with access to a user's source wallet associated with the unique wallet identifier.

101 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the fields include a transaction amount.

102 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the fields include a transaction item.

103 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the beacon is integral to a device.

104 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the integration may be through a smart device having a processor and wireless communication.

105 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the integration may be by affixing a beacon to the device.

106 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the beacon may be affixed to a utility meter.

107 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the beacon affixed to a utility meter may be read by a user.

108 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the beacon affixed to a utility meter may be read by a user and outstanding usage may be paid by the user.

109 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the beacon affixed to a utility meter is a refrigerator at a hotel, and usage metrics include items consumed by the user.

110 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the beacon affixed to a utility meter is a thermostat at a hotel, and usage metrics include items consumed by the user.

111 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the beacon affixed to a utility meter is a television at a hotel, and usage metrics include items viewed by the user.

112 . The processor-implemented point-to-point payment guidance system of claim 88 , wherein the beacon affixed to a utility meter is a button affixed to consumables, and usage metrics include items consumed by the user.

Assignments (1)

ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 15, 2015

From: STERN, HADLEY RUPERT; MCDONOUGH, JOHN C.; BISIKALO, DMITRY; MCDONOUGH, SUZANNE K.; GAVIS, ALEXANDER CHARLES; GEORGE, MATTHEW RYAN

To: FMR LLC

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