Patent ID: 9665858
Date: 2017-05-30
CPC Classifications: G06Q

Claim:
1. A method comprising: receiving, from a first user device associated with a first user, a request for at least one nearby cardless payment transaction with a merchant initiated by social contacts of the first user; identifying one or more nearby cardless payment transactions, each nearby cardless payment transaction being a cardless payment transaction initiated by a respective user with the merchant via a respective user device, the respective user device being within a threshold distance of a location of the merchant; identifying a first nearby cardless payment transaction of the one or more nearby cardless payment transactions, the first nearby cardless payment transaction being initiated by a second user who is a social contact of the first user in a social networking system; receiving, from the first user device, an indication of proximity of the first user device to the location of the merchant, wherein the indication of proximity is based at least in part on a global positioning system (GPS) in the first user device and an application running on the first user device as a background process automatically detecting that the first user device is proximate to the location of the merchant; in response to receiving the indication of proximity, automatically joining the first user to the first nearby cardless payment transaction initiated by the second user with the merchant, wherein the indication of proximity includes a consent by the first user to conduct a cardless payment transaction with the merchant, based at least in part on a configuration setting on the first user device; receiving, from the first user device, an authorization of the first nearby cardless payment transaction initiated by the second user with the merchant; receiving transaction data including a payment amount for the first user in the first nearby cardless payment transaction; and processing a cardless payment between the merchant and the first user according to the payment amount for the first user.