System and method for providing an improved payment process over a wireless link
Disclosed herein are systems, methods, and computer-readable storage devices for providing payment data from one device to another via a payment protocol. A device establishes, via a wireless link, a communication between the device and a user device The device transmits, via a protocol a signal to the user device to initiate a payment process on the user device to make the purchase. The signal is configured to cause the user device, automatically and without any other user interaction, to next receive a confirmation from the user to finalize the purchase. The device receives, via the wireless link, from the user device and at the wireless communication device, user payment data to make the purchase. The user payment data is obtained based on the confirmation and other parameters. The device transmits, to the user device and via the wireless link, a payment confirmation upon completion of the payment process.
1. A wireless communication device used to process payments for purchases, the wireless communication device comprising:
a processor; and
a computer-readable storage device storing instructions which, when executed by the processor, cause the processor to be configured to:
establish, via a wireless link, a communication between the wireless communication device and a user device, the communication being associated with a purchase for a product by a user;
transmit, via the wireless link and via a protocol used to exchange user payment data and data for navigation or input useful for making purchases, a signal to the user device to initiate a payment process on the user device, wherein the signal is configured to cause the user device, automatically and based on the data for navigation or input, to be placed in a state of being configured next to transmit the user payment data to the wireless communication device after a confirmation from the user to finalize the purchase;
receive, via the wireless link, from the user device and at the wireless communication device, the user payment data to make the purchase, wherein the user payment data is obtained based on the user device: (1) receiving the confirmation from the user to finalize the purchase; (2) retrieving, based on the confirmation, the user payment data from a memory of the user device; (3) providing, as part of the payment process, an indication on a display of the user device regarding a status of the payment process; and (4) transmitting, according to the protocol used to exchange user payment data for purchases and data for navigation or input useful for making purchases, the user payment data to the wireless communication device; and
transmit, to the user device and via the wireless link, a payment confirmation upon completion of the payment process.
2. The wireless communication device of claim 1 , wherein the indication further instructs the user to click twice on a physical button on the user device.
3. The wireless communication 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 and independent of any user physical interaction with the display.
4. The wireless communication device of claim 1 , wherein the state of being configured next to transmit the user payment data after the confirmation from the user to finalize the purchase comprises the user device being configured to interpret two clicks on a physical button on the user device as an indication of a user intent to continue with the purchase as part of the confirmation.
5. The wireless communication device of claim 1 , wherein the user device further receives motion input from the user as part of the confirmation and as a security measure to prevent unauthorized purchases.
6. The wireless communication 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 as part of the confirmation and independent of the user manually opening up a payment application or physically interacting at all with the display.
7. The wireless communication 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. The wireless communication device of claim 1 , wherein the computer-readable storage device stores additional instructions which, when executed by the processor, cause the processor to be configured to:
initiate, from the wireless communication device and based on a receipt of the user payment data, a query to a third-party database operated by a third party that stores financial data associated with the user, wherein the third party is independent of an entity operating the wireless communication device; and
receive, at the wireless communication device and from the third-party database, a response related to the purchase based on the financial data associated with the user.
9. A method comprising:
establishing, via a wireless link, a communication between a wireless communication device and a user device, the communication being associated with a purchase for a product by a user;
transmitting, over the wireless link and via a protocol for enabling the purchase and that is used to exchange user payment data and data for navigation or input, a signal to the user device to initiate a payment process on the user device to make the purchase, wherein the signal is configured to cause the user device, automatically and without any other user interaction based on the data for navigation or input, launch a payment application and place the payment application in a state of being configured next to transmit the user payment data to the wireless communication device via the wireless link after a confirmation from the user to finalize the purchase;
receiving, via the wireless link, from the user device and at the wireless communication device, the user payment data to make the purchase, wherein the user payment data is obtained based on the user device: (1) receiving the confirmation from the user to finalize the purchase; (2) retrieving, based on the confirmation, the user payment data from a memory of the user device; (3) providing, as part of the payment process, an indication on a display of the user device regarding a status of the payment process; and (4) transmitting, according to the protocol for enabling the purchase, the user payment data to the wireless communication device; and
transmitting, to the user device and via the wireless link, a payment confirmation upon completion of the payment process.
10. The method of claim 9 , wherein additional input from the user is received at the user device and comprises both motion input and user input requiring pattern recognition.
11. The method of claim 9 , wherein the state of being configured next to transmit the user payment data to the wireless communication device after the confirmation from the user to finalize the purchase comprises the user device being configured to interpret two clicks on a physical button on the user device as an indication of a user intent to continue with the purchase as part of the confirmation.
12. The method of claim 9 , further comprising:
initiating, from the wireless communication device and based on a receipt of the user payment data, a query to a third-party database operated by a third party that stores financial data associated with the user, wherein the third party is independent of an entity operating the wireless communication device; and
receiving, at the wireless communication device and from the third-party database, a response related to the purchase based on the financial data associated with the user.
13. A method comprising:
establishing, via a wireless link, a communication between a wireless communication device and a user device, the communication being associated with a purchase for a product by a user;
transmitting, over the wireless link and via a protocol for enabling the purchase in which the protocol for enabling the purchase is used to exchange user payment data, a signal to the user device to cause the user device, automatically to be configured next to transmit the user payment data after a confirmation from the user to finalize the purchase without any user interaction other than the confirmation;
receiving, via the wireless link, from the user device and at the wireless communication device, the user payment data to make the purchase, wherein the user payment data is obtained based on the user device: (1) receiving the confirmation from the user to finalize the purchase; (2) retrieving, based on the confirmation, the user payment data from a memory of the user device; (3) providing, as part of the purchase, an indication on a display of the user device regarding a status of the purchase; and (4) transmitting, according to the protocol for enabling the purchase, the user payment data to the wireless communication device; and
transmitting, to the user device and via the wireless link, a payment confirmation upon completion of the purchase.
14. The method of claim 13 , wherein the purchase occurs independent of any physical interaction with the display of the user device.
15. The method of claim 14 , wherein the confirmation comprises at least one button press and motion input from the user.
16. The method of claim 13 , 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.
17. The method of claim 13 , 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 as part of the confirmation and independent of the user manually opening up a payment application or physically interacting with the display of the user device.
19. The method of claim 13 , further comprising:
processing a payment based on the user payment data to complete the purchase of the product.
20. The method of claim 13 , wherein the user device further receives motion input from the user as part of the confirmation and as a security measure to prevent unauthorized purchases.
21. The method of claim 13 , wherein:
the wireless communication device is associated with a merchant that operates a merchant server; and
the user payment data is obtained based on a user account being established at a site that enables payments to be made in a simplified and consistent user interaction with the user device for communicating the user payment data via one or more of: the wireless link to the wireless communication device; an application associated with the merchant server; or at a website associated with the merchant server, without the user registering payment credentials or establishing an account at the merchant server.
22. The method of claim 21 , wherein the site establishes a link between the user account and the merchant server as well as other merchant servers to enable the user payment data to be used for payments across the merchant server and the other merchant servers in a consistent and one-click manner without requiring multiple user accounts to be registered at the merchant server or the other merchant servers.