Patent ID: 9652759
Date: 2017-05-16
CPC Classifications: G06Q

Claim:
1. A computer-implemented method to broadcast beacon signals to user computing devices and to receive, in response, data from the user computing devices via intermediary processing systems without a required input of the user, comprising: transmitting, by one or more computing devices associated with a merchant computing system, a beacon signal comprising a beacon identifier to a user computing device associated with a user, the beacon signal comprising information suitable to allow the user computing device to generate a token; receiving, by an application operating on the user computing device, the beacon signal comprising the beacon identifier from the one or more computing devices associated with the merchant computing system; generating, by the application operating on the user computing device, the token without input from the user in response to receiving the transmitted beacon signal from the one or more computing devices associated with the merchant computing system, the token comprising the beacon identifier and an identification of a user account associated with the user; transmitting, by the application operating on the user computing device, the token to a payment processing system associated with the user account associated with the user; receiving, by the one or more computing devices associated with the merchant computing system and from the payment processing system associated with the user account associated with the user, a communication comprising the token generated by the application operating on the user computing device; receiving, by the one or more computing devices associated with the merchant computing system, an input specifying transaction details for a pending transaction and a selection of the token to associate with the transaction; transmitting, by the one or more computing devices associated with the merchant computing system and to the payment processing system associated with the user account, a transaction request, the transaction request comprising the token generated by the application operating on the user computing device and at least a portion of the transaction details; and receiving, by the one or more computing devices associated with a merchant computing system, an authorization for the transaction request from the payment processing system based on the token provided in the transaction request.