Granted Patent B2

US 12,361,400 · App. 17/361,629 · Granted Jul 15, 2025

Inventor: Max Edward Metral (Brookline, MA)

Assignee: PAYPAL, INC.

G06Q20/322G06Q20/02G06Q20/3224G06Q20/3278G06Q20/3829G06Q20/4014G06Q30/01G06Q2220/00

Abstract

Claims (59)

1. A computer-implemented method, comprising:

establishing, by a user device with a second device associated with a merchant, a first wireless connection, the user device being associated with purchaser information for a user of the user device;

receiving, by the user device and from the second device associated with the merchant, a request for processing of a transaction via the first wireless connection between the user device and the second device, the request comprising a merchant identifier of the merchant and instructions indicating how to process at least a portion of the transaction on the user device;

responsive to receiving the request, initiating, at the user device, a processing of the transaction with the second device based on the purchaser information;

sending, by the user device to a server over a network, a validation request to validate that the second device is associated with the merchant;

receiving, by the user device and from the server over the network based on the validation request, a validation and a public key, wherein the validation indicates that the second device is authorized to receive the purchaser information, and wherein the public key is usable for encrypting data exchanged during a second wireless connection;

determining, by the user device, data for the merchant and corresponding to the at least the portion of the transaction and the purchaser information, wherein the data is responsive to the instructions;

encrypting, by the user device, the purchaser information and the data using the public key, wherein the purchaser information and the data are encrypted by the public key that causes the encrypted purchaser information and the data to appear differently in one or more communications from the first device;

establishing, by the user device with the second device, the second wireless connection based at least in part on the merchant identifier; and

communicating, by the user device via the second wireless connection, the encrypted purchaser information.

2. The method of claim 1 , further comprising:

receiving, by the user device, a confirmation of the processing of the transaction by the second device.

3. The method of claim 1 , further comprising, prior to the receiving the request, determining that the user device has performed a check-in with the merchant.

4. The method of claim 1 , wherein the establishing the first wireless connection comprises:

populating, by the user device, a request for the purchaser information from the second device as part of the transaction.

5. The method of claim 1 , wherein the merchant identifier indicates to the user device that the second device of the merchant is authenticated for facilitating transactions with the merchant.

6. The method of claim 1 , wherein the validation indicates that the second device of the merchant has processed one or more previous transactions with the server.

7. The method of claim 1 , wherein the public key is received from the server based on data stored by a registry of keys associated with the server.

8. The method of claim 1 , wherein the encrypting the purchaser information is performed in response to the validation of the second device of the merchant by the server.

9. The method of claim 1 , wherein the encrypting the purchaser information comprises:

encrypting, by the user device, payment card information using the public key in response to the validation of the second device; and wherein the method further comprises:

transmitting, by the user device, the encrypted payment card information to the second device for the processing of the transaction.

10. A device, comprising:

a non-transitory memory storing instructions; and

a processor executing the instructions, the instructions, when executed, causing the processor of the device to perform operations comprising:

establishing, with a second device associated with a merchant, a first wireless connection;

initiating a transaction with the second device, the transaction for a purchase of an item or a service from the merchant;

receiving, from the second device and in response to the initiating the transaction, a request for processing the transaction via the first wireless connection between the device and the second device, the request comprising a merchant identifier of the merchant and merchant data indicating how to process at least a portion of the transaction on the device;

responsive to receiving the request, sending, over a network to a server, a validation request that the second device is associated with the merchant;

receiving, from the server over the network based on the validation request, a validation and a public key, wherein the validation indicates that the second device is authorized to receive purchaser information for a user of the device, and wherein the public key is usable for encrypting data exchanged during a second wireless connection;

determining data for the merchant and corresponding to the at least the portion of the transaction and the purchaser information;

encrypting the purchaser information and the data for the merchant using the public key, wherein the purchaser information and the data for the merchant are encrypted by the public key that causes the encrypted purchaser information and the data for the merchant to appear differently in one or more communications from the device;

establishing the second wireless connection based at least in part on the merchant identifier; and

communicating, by the device via the second wireless connection, the encrypted purchaser information.

11. The device of claim 10 , wherein the initiating of the transaction is based on the device being in a physical proximity to the second device of the merchant.

12. The device of claim 10 , wherein the operations further comprise:

encrypting payment card information using the public key in response to the validation of the second device; and

communicating the encrypted payment card information to the second device of the merchant during processing of the transaction.

13. The device of claim 10 , wherein the operations further comprise prior to the receiving the request, determining that the device has performed a check-in with the merchant, and wherein initiating the transaction is a separate process from the check-in.

14. The device of claim 10 , wherein the establishing the first wireless connection comprises:

populating, by the device, a request for the purchaser information from the second device as part of the transaction.

15. The device of claim 10 , wherein the encrypting the purchaser information is performed in response to the validation of the second device of the merchant by the server.

16. A non-transitory machine-readable medium having stored thereon machine-readable instructions, the machine-readable instructions when executed by a processor of a user device, cause the processor to perform operations comprising:

establishing, by the user device with a second device associated with a merchant, a first wireless connection;

initiating a transaction with the second device, the transaction for a purchase of an item or a service from the merchant;

receiving, by the user device from the second device and in response to the initiating the transaction, a request for processing the transaction via the first wireless connection between the user device and the second device, the request comprising a merchant identifier of the merchant and merchant data indicating how to process at least a portion of the transaction on the user device;

responsive to receiving the communication session request, sending a validation request to a server that the second device is associated with the merchant for the transaction indicated by the communication session request;

receiving, by the user device and from the server over the network based on the validation request, a validation and a public key, wherein the validation indicates that the second device is authorized to receive purchaser information for a user of the user device, and wherein the public key is usable for encrypting data exchanged during a second wireless connection;

determining data for the merchant and corresponding to the at least the portion of the transaction and the purchaser information;

encrypting the purchaser information and the data for the merchant using the public, wherein the purchaser information and the data for the merchant are encrypted by the public key that causes the encrypted purchaser information and the data for the merchant to appear differently in one or more communications from the user device;

establishing the second wireless connection between the user device and the second device based at least in part on the merchant identifier; and

communicating, by the user device via the second wireless connection, the encrypted purchaser information.

17. The non-transitory machine-readable medium of claim 16 , wherein the initiating of the transaction is based on the user device being in a physical proximity to the second device of the merchant.

18. The non-transitory machine-readable medium of claim 16 , wherein the operations further comprise:

encrypting payment card information using the encryption key in response to the validation of the second device; and

communicating the encrypted payment card information to the second device of the merchant during processing of the transaction.

19. The non-transitory machine-readable medium of claim 16 , wherein the establishing the first wireless connection comprises, prior to the receiving the request, determining that the user device has performed a check-in with the merchant, and wherein the initiating the transaction is a separate process from the check-in.

20. The non-transitory machine-readable medium of claim 16 , wherein the operations further comprise:

populating, by the user device, a request for the purchaser information from the second device as part of the transaction.

Assignments (1)

Continuity (3)

References Cited (115)