Method and system for performing mobile device-to-machine payments
A device with one or more processors, memory, and two or more communication capabilities obtains, from a payment module, an authorization request via a first communication capability (e.g., Bluetooth). The device sends, to a server, the authorization request via a second communication capability distinct from the first communication capability (e.g., cellular or WiFi technology). In response to sending the authorization request, the device obtains, from the server, authorization information via the second communication capability. After obtaining the authorization information, the device detects a trigger condition to perform a transaction with a payment accepting unit associated with the payment module. In response to detecting the trigger condition, the device sends, to the payment module, at least a portion of the authorization information via the first communication capability.
1. A method of payment processing, the method comprising:
at a mobile device with one or more processors, memory, and a communications unit, and prior to user selection of any products or services provided by an automatic retail machine:
receiving via the communications unit a transmission from an electronic payment device of the automatic retail machine, the transmission including a request to preemptively obtain authorization to make funds available for a cashless transaction with the automatic retail machine;
sending, to a server, the request via the communications unit of the mobile device;
in response to sending the request to the server, obtaining from the server an authorization grant of an amount of funds for use in conjunction with the cashless transaction with the automatic retail machine;
detecting, by an application executing on the mobile device, a trigger condition to initiate the cashless transaction with the automatic retail machine; and
in response to detecting the trigger condition, sending to the electronic payment device the authorization grant, wherein the authorization grant is configured to cause the automatic retail machine to display the amount of funds as a credit, enabling selection of a product or service provided by the automatic retail machine.
2. The method of claim 1 , wherein:
the transmission at least includes authorization zone threshold criterion; and
after receiving the transmission, initiating a handshake process with the electronic payment device, wherein the handshake process includes:
sending, to the electronic payment device, mobile device information corresponding to the mobile device via the communications unit; and
receiving, from the electronic payment device, electronic payment device information, wherein the electronic payment device information at least includes an identifier corresponding to the electronic payment device.
3. The method of claim 2 , wherein sending the mobile device information comprises:
in accordance with a determination that the authorization zone threshold criterion is satisfied, sending the mobile device information to the electronic payment device via the communications unit, wherein the mobile device information indicates that the authorization zone threshold criterion is satisfied; and
wherein the mobile device obtains the request in response to sending the mobile device information.
4. The method of claim 2 , wherein the electronic payment device information further includes an indication that hands-free mode is available and payment zone threshold criterion.
5. The method of claim 4 , wherein the mobile device information further includes device identification information corresponding to a model type of the mobile device; and
wherein the payment zone threshold criterion is based at least in part on the device identification information.
6. The method of claim 4 , wherein detecting the trigger condition comprises:
determining whether the payment zone threshold criterion is satisfied; and
in accordance with a determination that the payment zone threshold criterion is satisfied, detecting the trigger condition without user input from a user at the mobile device.
7. The method of claim 1 , wherein detecting the trigger condition comprises:
detecting a user input from a user of the mobile device; and
in response to detecting the user input, detecting the trigger condition to initiate the cashless transaction with the automatic retail machine.
8. The method of claim 1 , further comprising:
in response to obtaining the authorization grant, presenting a notification to a user of the mobile device indicating (i) a connection has been established with the electronic payment device, and (ii) the amount of funds for the cashless transaction.
9. The method of claim 1 , wherein the authorization grant includes an identifier corresponding to the electronic payment device, an identifier corresponding to the mobile device, the amount of funds, an authorization grant token, and an expiration period for the authorization grant token.
10. The method of claim 9 , wherein at least a portion of the request and the authorization grant token are encrypted with a unique encryption key corresponding to the electronic payment device.
11. The method of claim 1 , wherein the automated retail machine is a payment activated washer, a payment activated dryer, a vending machine, a parking meter, a toll booth, an arcade game, a kiosk, a photo booth, or a ticket dispensing machine.
12. A mobile device, comprising:
a communication unit;
one or more processors; and
memory storing one or more programs to be executed by the one or more processors, the one or more programs comprising instructions for, prior to user selection of any products or services provided by an automatic retail machine:
receiving via the communications unit a transmission from an electronic payment device of the automatic retail machine, the transmission including a request to preemptively obtain authorization to make funds available for a cashless transaction with the automatic retail machine;
sending, to a server, the request via the communications unit of the mobile device;
in response to sending the request to the server, obtaining from the server an authorization grant of an amount of funds for use in conjunction with the cashless transaction with the automatic retail machine;
detecting, by an application executing on the mobile device, a trigger condition to initiate the cashless transaction with the automatic retail machine; and
in response to detecting the trigger condition, sending to the electronic payment device the authorization grant, wherein the authorization grant is configured to cause the automatic retail machine to display the amount of funds as a credit, enabling selection of a product or service provided by the automatic retail machine.
13. The mobile device of claim 12 , wherein
the transmission at least includes authorization zone threshold criterion; and
after receiving the transmission, initiating a handshake process with the electronic payment device, wherein the handshake process includes:
sending, to the electronic payment device, mobile device information at least including user identification information corresponding to a user of the mobile device via the communications unit; and
receiving, from the electronic payment device, electronic payment device information, wherein the electronic payment device information at least includes an identifier corresponding to the electronic payment device.
14. The mobile device of claim 13 , wherein sending the mobile device information comprises:
in accordance with a determination that the authorization zone threshold criterion is satisfied, sending the mobile device information to the electronic payment device via the communications unit, wherein the mobile device information indicates that the authorization zone threshold criterion is satisfied; and
wherein the mobile device obtains the request in response to sending the mobile device information.
15. The mobile device of claim 13 , wherein the electronic payment device information further includes an indication that hands-free mode is available and payment zone threshold criterion.
16. The mobile device of claim 15 , wherein the mobile device information further includes device identification information corresponding to a model type of the mobile device; and
wherein the payment zone threshold criterion is based at least in part on the device identification information.
17. The mobile device of claim 15 , wherein detecting the trigger condition comprises:
determining whether the payment zone threshold criterion is satisfied; and
in accordance with a determination that the payment zone threshold criterion is satisfied, detecting the trigger condition without user input from a user at the mobile device.
18. The mobile device of claim 12 , wherein detecting the trigger condition comprises:
detecting a user input from a user of the mobile device; and
in response to detecting the user input, detecting the trigger condition to initiate the cashless transaction with the automatic retail machine.
19. A non-transitory computer readable storage medium storing one or more programs, the one or more programs comprising instructions, which, when executed by a mobile device with one or more processors and a communications unit, cause the mobile device to initiate operations comprising:
prior to user selection of any products or services provided by an automatic retail machine:
receiving via the communications unit a transmission from an electronic payment device of the automatic retail machine, the transmission including a request to preemptively obtain authorization to make funds available for a cashless transaction with the automatic retail machine;
sending, to a server, the request via the communications unit of the mobile device;
in response to sending the request to the server, obtaining from the server an authorization grant of an amount of funds for use in conjunction with the cashless transaction with the automatic retail machine;
detecting, by an application executing on the mobile device, a trigger condition to initiate the cashless transaction with the automatic retail machine; and
in response to detecting the trigger condition, sending to the electronic payment device the authorization grant, wherein the authorization grant is configured to cause the automatic retail machine to display the amount of funds as a credit, enabling selection of a product or service provided by the automatic retail machine.
20. The non-transitory computer readable storage medium of claim 19 , wherein
the transmission at least includes authorization zone threshold criterion; and
after receiving the transmission, initiating a handshake process with the electronic payment device, wherein the handshake process includes:
sending, to the electronic payment device, mobile device information at least including user identification information corresponding to a user of the mobile device via the communications unit; and
receiving, from the electronic payment device, electronic payment device information, wherein the electronic payment device information at least includes an identifier corresponding to the electronic payment device.