Granted Patent B2

US 12,475,448 · App. 18/167,798 · Granted Nov 18, 2025

Inventors: Srivathsan Narasimhan (San Jose, CA); Eric Byungho Min (San Jose, CA); Michael Charles Todasco (Santa Clara, CA); Cheng Tian (San Jose, CA); Satish Govindarajan (Los Altos, CA)

Assignee: PAYPAL, INC.

G06Q20/3278G06Q20/20G06Q20/4014

Abstract

Claims (57)

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:

detecting a plurality of devices within a threshold distance from a first device;

selecting, from the plurality of devices, a second device for processing a payment transaction with the first device;

receiving, from a user of the second device via a user interface of the first device, an authentication credential for accessing an account associated with the second device;

transmitting the authentication credential to a server via the second device using a short-range wireless connection established between the first device and the second device;

receiving, from the server based on the authentication credential, funding data corresponding to one or more funding instruments associated with the account;

presenting, via the user interface of the first device, the funding data; and

causing the payment transaction to be processed based on the funding data.

2 . The system of claim 1 , wherein the selecting is based on a code identifying the second device and received via the first device.

3 . The system of claim 1 , wherein the operations further comprise subsequent to the detecting the plurality of devices, establishing a plurality of short-range wireless connections between the first device and the plurality of devices, wherein the selecting is based on data transmitted via the plurality of short-range wireless connections.

4 . The system of claim 3 , wherein the operations further comprise:

retrieving device information associated with the plurality of devices via the plurality of short-range wireless connections based on device identifiers associated with the plurality of devices; and

presenting, via the user interface of the first device, the device information and selectable elements corresponding to the plurality of devices, wherein the selecting is further based on a selection input of a particular selectable element received from the user via the user interface of the first device.

5 . The system of claim 1 , wherein the operations further comprise:

providing, via the user interface of the first device, an input field for entering a code; and

receiving, via the user interface of the first device, the code from the user, wherein the selecting is based on a match between the code and an identifier associated with the second device.

6 . The system of claim 1 , wherein the funding data corresponds to a plurality of funding instruments, and wherein the operations further comprise:

providing, via the user interface of the first device, a plurality of selectable elements corresponding to the plurality of funding instruments based on the funding data received from the server;

determining, from the plurality of funding instruments, a particular funding instrument for use in the payment transaction based on a selection provided by the user and received via the user interface of the first device; and

transmitting an identifier corresponding to the particular funding instrument to the server for processing the payment transaction.

7 . The system of claim 1 , wherein the first device is a merchant device associated with a merchant, and wherein the payment transaction is associated with a purchase between the user and the merchant.

8 . A method, comprising:

detecting a plurality of devices within a threshold distance from a first device;

selecting, from the plurality of devices, a second device for processing a payment transaction with the first device;

receiving, from a user of the second device via a user interface of the first device, an authentication credential for accessing an account associated with the second device;

transmitting the authentication credential received from the first device to a server;

receiving, from the server based on the authentication credential, funding data corresponding to one or more funding instruments associated with the account;

causing to be presented, via the user interface of the first device, the funding data; and

processing the payment transaction based on the funding data.

9 . The method of claim 8 , further comprising:

subsequent to the detecting the plurality of devices, establishing a short-range wireless connection between the first device and the second device, wherein the authentication credential is transmitted to the server via the second device using the short-range wireless connection between the first device and the second device.

10 . The method of claim 8 , further comprising:

retrieving device information associated with the plurality of devices; and

causing to be presented, via the user interface of the first device, the device information and selectable elements corresponding to the plurality of devices, wherein the selecting is based on a selection input of a particular selectable element received from the user via the user interface of the first device.

11 . The method of claim 10 , further comprising:

subsequent to the detecting the plurality of devices, establishing a plurality of short-range wireless connections between the first device and the plurality of devices, wherein the device information is retrieved via the plurality of short-range wireless connections.

12 . The method of claim 10 , wherein the device information is retrieved from the server based on device identifiers of the plurality of devices.

13 . The method of claim 8 , wherein the payment transaction is processed without requiring any user interactions with the second device.

14 . The method of claim 8 , further comprising:

determining, from a plurality of authentication data types, a particular authentication data type for authenticating the user of the second device based on a trust level associated with the first device; and

prompting, via the user interface of the first device, the user for an input corresponding to the particular authentication data type, wherein the authentication credential corresponds to the particular authentication data type.

15 . A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

detecting a plurality of devices within a threshold distance from a first device;

selecting, from the plurality of devices, a second device for processing a transaction with the first device;

receiving, from a user of the second device via a user interface of the first device, an authentication credential for accessing an account associated with the second device;

receiving, from a server based on the authentication credential, data corresponding to one or more funding sources associated with the account;

causing to be presented, via the user interface of the first device, the data; and

causing the transaction to be processed based on the data.

16 . The non-transitory machine-readable medium of claim 15 , wherein the second device is selected from the plurality of devices for processing the transaction with the first device based on a code identifying the second device and received via the first device.

17 . The non-transitory machine-readable medium of claim 15 , wherein the operations further comprise:

providing, via the user interface of the first device, an input field for entering a code; and

receiving, via the user interface of the first device, the code from the user, wherein the second device is selected from the plurality of devices based on a match between the code and an identifier associated with the second device.

18 . The non-transitory machine-readable medium of claim 16 , wherein the authentication credential is different from the code.

19 . The non-transitory machine-readable medium of claim 16 , wherein the code is assigned to the second device after detecting that the second device is within the threshold distance of the first device.

20 . The non-transitory machine-readable of claim 15 , wherein the operations further comprise subsequent to the detecting the plurality of devices, establishing a plurality of short-range wireless connections between the first device and the plurality of devices, wherein the selecting the second device is based on information transmitted via the plurality of short-range wireless connections.

Assignments (1)

Continuity (3)

References Cited (78)