Patent ID: 9576284
Date: 2017-02-21
CPC Classifications: G06Q,H04W

Claim:
1. A method for making a payment, comprising: receiving, by a processor of a payment provider, a request for payment from a user through an application executing on a user device to a payee, wherein the request comprises bill data received by the application using at least one of a camera of the user device with optical character recognition and a digital bill communicated to the user device by a payee device of the payee; determining, by the processor, a location of the user device using a GPS feature of the user device; determining a population density of other users at the location of the user device; determining an event occurring at the location of the user device; determining a geographic attendance area established for the event that corresponds to attendees of the event; establishing a proximity radius comprising a specified distance from the location of the user device using the population density and the geographic attendance area; locating, by the processor, other users within the proximity radius from the location of the user device; determining, by the processor, identity information of the other users; causing the user device to provide a visual representation of the other users; receiving, by the processor from the user device, a selection of desired payers to be requested to make a payment to the payee from the other users presented on the user device; transmitting, by the processor, a payment request to a payer device of each of the desired payers; and processing, by the processor, a payment from each of the desired payers to the payee.