USING DEVICE LOCATION INFORMATION TO GENERATE CODES
Methods and systems for facilitating payments with a mobile device are described. The methods include detecting a location of a mobile device, receiving identifying information from a user through the mobile device when the mobile device is near at least one merchant, generating a payment code, transmitting the payment code to the mobile device, receiving the payment code and a payment request from a merchant, and processing the payment request.
1 . A system, comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
determining, based on location information corresponding to a mobile device, that the mobile device is located within a predetermined distance from a plurality of merchant locations;
in response to the determining, automatically generating a payment code, the payment code usable to indicate an account associated with a user of the mobile device for a purchase transaction at any merchant location of the plurality of merchant locations;
subsequent to the generating the payment code, dynamically adjusting at least one validation characteristic corresponding to the payment code based on a user population density within the predetermined distance of the plurality of merchant locations;
transmitting, to the mobile device via a wireless network, the payment code having the adjusted at least one validation characteristic, and the transmitting causing the mobile device to display the payment code;
receiving, via the wireless network, the payment code and a payment request from a point-of-sale (POS) device associated with a first merchant location of the plurality of merchant locations; and
processing the payment request based on the payment code.
2 . The system of claim 1 , wherein the payment code comprises an access code or a barcode.
3 . The system of claim 1 , wherein the payment code is automatically generated without receiving a request from a user of the mobile device.
4 . The system of claim 1 , wherein the operations further comprise applying rewards, points, discounts, offers, coupons, gift cards, or other merchant specific offers to the payment request.
5 . The system of claim 1 , wherein the operations further comprise transmitting a digital image of the user to the POS device to authenticate the user.
6 . The system of claim 1 , wherein the plurality of merchant locations correspond to merchant locations in which the user has checked in.
7 . The system of claim 1 , wherein the adjusting the at least one validation characteristic comprises adjusting a length of an alphanumeric code included in the payment code.
8 . The system of claim 1 , wherein the adjusting the at least one validation characteristic comprises adjusting a validation period corresponding to the payment code, the validation period indicating a period of time in which the payment code is usable for the purchase transaction at the plurality of merchant locations.
9 . The system of claim 1 wherein the adjusting the at least one validation characteristic comprises:
adjusting a length of an alphanumeric code included in the payment code; and
adjusting a validation period corresponding to the payment code, the validation period indicating a period of time in which the payment code is usable for the purchase transaction at the plurality of merchant locations.
10 . A method for facilitating payment with a mobile device of a user, comprising:
determining, by one or more hardware processors based on location information corresponding to a mobile device, that the mobile device is located within a predetermined distance from a plurality of merchant locations;
in response to the determining, automatically generating, by the one or more hardware processors a payment code that is usable to indicate an account associated with a user of the mobile device for a purchase transaction at any merchant location of the plurality of merchant locations;
subsequent to the generating the payment code, dynamically adjusting at least one validation characteristic corresponding to the payment code based on a user population density within the predetermined distance of the plurality of merchant locations;
transmitting, to the mobile device via a wireless network, the payment code having the adjusted at least one validation characteristic, and the transmitting causing the mobile device to display the payment code;
receiving, via the wireless network, the payment code and a payment request from a point-of-sale (POS) device associated with a first merchant location of the plurality of merchant locations; and
processing the payment request based on the payment code.
11 . The method of claim 10 , wherein the payment code comprises an access code or a quick response (QR) code.
12 . The method of claim 10 , wherein the payment code is automatically generated without receiving a request from a user of the mobile device.
13 . The method of claim 10 , further comprising transmitting a unique payment service provider identifier of the user to at least one merchant device corresponding to at least one merchant location of the plurality of merchant locations.
14 . The method of claim 10 , wherein the adjusting the at least one validation characteristic comprises adjusting a length of an alphanumeric code included in the payment code.
15 . The method of claim 10 , wherein the adjusting the at least one validation characteristic comprises adjusting a validation period corresponding to the payment code, the validation period indicating a period of time in which the payment code is usable for the purchase transaction at the plurality of merchant locations.
16 . A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
determining, based on location information corresponding to a mobile device, that the mobile device is located within a predetermined distance from a plurality of merchant locations;
in response to the determining, automatically generating a payment code, the payment code usable to indicate an account associated with a user of the mobile device for a purchase transaction at any merchant location of the plurality of merchant locations;
subsequent to the generating the payment code, dynamically adjusting at least one validation characteristic corresponding to the payment code based on a user population density within the predetermined distance of the plurality of merchant locations;
transmitting, to the mobile device via a wireless network, the payment code having the adjusted at least one validation characteristic, and the transmitting causing the mobile device to display the payment code;
receiving, via the wireless network, the payment code and a payment request from a point-of-sale (POS) device associated with a first merchant location of the plurality of merchant locations; and
processing the payment request based on the payment code.
17 . The non-transitory machine-readable medium of claim 16 , wherein the payment code is for one-time use.
18 . The non-transitory machine-readable medium of claim 16 , wherein the operations further comprise applying rewards, points, discounts, offers, coupons, gift cards, or other merchant specific offers to the payment request.
19 . The non-transitory machine-readable medium of claim 16 , wherein the payment code is automatically generated without receiving a request from a user of the mobile device.
20 . The non-transitory machine-readable medium of claim 16 , wherein the adjusting the at least one validation characteristic comprises:
adjusting a length of an alphanumeric code included in the payment code; and
adjusting a validation period corresponding to the payment code, the validation period indicating a period of time in which the payment code is usable for the purchase transaction at the plurality of merchant locations.