Patent ID: 9373112
Filing Date: 2016-06-21
CPC Classification: G06Q

Claim Text:
1. A method, comprising: receiving, via an application, user input from a user selecting a particular merchant for automatic authorization, wherein, for the particular merchant selected for automatic authorization, a mobile device associated with the user sends, to a cardless payment system, an indication of consent for the particular merchant to perform a cardless payment transaction using an account of the user with the cardless payment system, the indication of consent being sent by the mobile device whenever the mobile device associated with the user becomes located within a predetermined distance of a location of the particular merchant selected for automatic authorization, and wherein a cardless payment transaction is a transaction conducted by a merchant using an account of the user with the cardless payment system without receiving a payment card from the user; sending, by the mobile device to a computer system of the cardless payment system, a current location of the mobile device; receiving, by the mobile device from the computer system of the cardless payment system, data identifying a plurality of merchants that are located within a threshold distance to the current location of the mobile device, the plurality of merchants including the particular merchant selected for automatic authorization; generating a presentation comprising a list of identifying information for one or more of the plurality of merchants including the particular merchant selected for automatic authorization, wherein the list includes an indication of the identity of each merchant of the one or more of the plurality of merchants, and an auto check-in symbol for the particular merchant selected for automatic authorization, the auto check-in symbol indicating that the particular merchant has been automatically authorized to perform a cardless payment transaction using an account of the user with the cardless payment system; displaying the presentation on the mobile device; determining, by the mobile device, that the current location of the mobile device is within the predetermined distance of the location of the particular merchant selected for automatic authorization, wherein the determining that the current location of the mobile device is within the predetermined distance of the location of the particular merchant selected for automatic authorization occurs while the application is running on the mobile device in a background; sending, by the mobile device to the computer system of the cardless payment system without further input from the user, an indication of consent for the particular merchant to perform a cardless payment transaction using the account of the user with the cardless payment system, wherein the sending the indication of consent for the particular merchant to perform the cardless payment transaction occurs while the application is running on the mobile device in the background; receiving, by the cardless payment system, a request by the particular merchant to perform a cardless payment transaction using the account of the user with the cardless payment system; determining, by the cardless payment system, that the indication of consent for the particular merchant to perform a cardless payment transaction has been received from the mobile device associated with the user; and sending, by the cardless payment system to the particular merchant, an indication that the cardless payment transaction is authorized without the mobile device having transmitted an approval for an amount of the transaction to the merchant or to the cardless payment system.