Granted Patent B2

US 12,131,370 · App. 18/423,806 · Granted Oct 29, 2024

Inventors: Thomas M. Isaacson (Huntingtown, MD); Ryan Connell Durham (Anchorage, AK)

Assignee: MONTICELLO ENTERPRISES LLC

G06Q30/0633G06Q20/401G06Q30/0625G06Q30/0635G06Q30/0641

Abstract

Claims (35)

1. A computing device used to process payments for purchases, the computing device comprising:

a processor; and

a computer-readable storage device storing instructions which, when executed by the processor, cause the processor to perform operations comprising:

establishing a communication between the computing device and a user device via a wireless link between the user device and the computing device, the communication being associated with a purchase by a user and being initiated in connection with the purchase, wherein the computing device is configured to initiate access to a database of a third party separate from an entity operating the computing device, and wherein the database stores financial data associated with the user;

receiving, via the wireless link, from the user device and at the computing device, user payment data to make the purchase, wherein the user payment data is obtained based on: (1) initiating, without opening by the user of a payment application on the user device by interacting with an object representing the payment application, a payment process; (2) retrieving, based on the communication via the wireless link, the user payment data from a memory of the user device; (3) providing, as part of the payment process and based on the communication, an indication on a display of the user device regarding a status of the payment process; and (4) transmitting, according to a protocol for communicating the user payment data to the computing device via the wireless link, the user payment data to the computing device;

receiving, at the computing device and from the database, a response related to the purchase based on the financial data associated with the user; and

transmitting, to the user device and via the wireless link, the response.

2. The computing device of claim 1 , wherein the indication further instructs the user to click twice on a physical button on the user device.

3. The computing device of claim 1 , wherein the user payment data is obtained further based on the user device receiving motion input from the user and performing pattern recognition on the motion input.

4. The computing device of claim 1 , wherein the user device is programmed to interpret two clicks on a physical button on the user device as an indication of a user intent to continue with the purchase.

5. The computing device of claim 1 , wherein the user device further receives motion input from the user as part of a security measure to prevent unauthorized purchases.

6. The computing device of claim 5 , wherein the user device further receives at least one button click on a physical button from the user and receives the motion input from the user independent of the user manually opening up the payment application.

7. The computing device of claim 3 , wherein receiving the motion input and performing pattern recognition on the motion input to confirm a user intent to complete a payment process does not require any interaction by the user with a graphical display of the user device.

8. A method comprising:

establishing, via a computing device configured to access a database that stores data associated with a user, a communication between the computing device and a user device via a wireless link between the user device and the computing device, the communication being associated with a purchase and being initiated in connection with the purchase, wherein the computing device is configured to initiate accessing a database of a third party from an entity that operates the computing device and that stores financial data associated with the user;

receiving, at the computing device and via the wireless link, user payment data to make the purchase, wherein the user payment data is obtained based on: (1) initiating, without opening by a user of a payment application on the user device by interacting with an object representing the payment application, a payment process; (2) retrieving, based on the communication, the user payment data from a memory of the user device; (3) providing, as part of the payment process and based on the communication, an indication on a display of the user device regarding a status of the payment process and (4) transmitting, according to a protocol for communicating the user payment data to the computing device via the wireless link, the user payment data to the computing device;

receiving, at the computing device and from the database, a response related to the purchase based on the data associated with the user; and

transmitting, from the computing device, to the user device and via the wireless link, the response.

9. The method of claim 8 , wherein additional input from the user is received at the user device and comprises both motion input and user input requiring pattern recognition.

10. The method of claim 9 , wherein the user device providing of the indication on the display indicates that the user device is configured in a temporary condition to transmit the user payment data via the wireless link as part of the payment process.

11. The method of claim 8 , wherein the data associated with the user comprises a payment history for the user.

12. A method comprising:

establishing, between a computing device and a user device, a wireless link, the wireless link being established to complete a purchase of a product by a user of the user device, wherein the computing device is configured to initiate an access a database of a third party separate from an entity operating the computing device, and wherein the database stores financial data associated with the user;

receiving, at the computing device via the wireless link and according to a protocol for communicating user payment data, the user payment data to make the purchase, wherein the user payment data is obtained based on: (1) initiating a payment process without requiring the user to open a payment application through an interaction with a graphical object on a display of the user device that represents the payment application; (2) retrieving, by the user device, the user payment data from a memory of the user device; and (3) providing, as part of the payment process, an indication on the display of the user device regarding a status of the payment process;

receiving, at the computing device and from the database, a response related to the purchase based on using the financial data associated with the user; and

transmitting, from the computing device, to the user device and via the wireless link, the response.

13. The method of claim 12 , wherein the indication instructs the user to click twice on a physical button on the user device.

14. The method of claim 12 , wherein the user payment data is obtained further based on the user device receiving motion input from the user.

15. The method of claim 12 , wherein the user payment data is obtained further based on the user device receiving a gesture input on the display of the user device.

16. The method of claim 12 , wherein the user device is programmed to interpret two clicks on a physical button on the user device as an indication of a user intent to continue with the payment process.

17. The method of claim 12 , wherein the user device further receives motion input from the user as part of a security measure to prevent unauthorized purchases.

18. The method of claim 17 , wherein the user device further receives at least one button click on a physical button from the user and receives the motion input from the user independent of the user manually opening up the payment application.

19. The method of claim 12 , further comprising:

processing a payment based on the user payment data to complete the purchase of the product.

20. The method of claim 12 , wherein the financial data associated with the user comprises a payment history.

Assignments (1)

Continuity (32)