Patent ID: 9697508
Date: 2017-07-04
CPC Classifications: G06Q,H04L,H04M,H04W

Claim:
1. One or more computer-readable storage media storing computer-executable instructions that, when executed by one or more processors, instruct a system computing device to perform acts comprising: maintaining, by the system computing device, a data store comprising merchant information that at least identifies: receiving, by the system computing device, a geolocation of a mobile device determined at least in part by a sensor of the mobile device; determining, by the system computing device and based at least in part on the merchant information and the geolocation of the mobile device, that the mobile device is located within a threshold distance of a merchant of the set of merchants; receiving, by the system computing device and from the mobile device, a verification that the mobile device is located within the threshold distance of the merchant; after receiving the verification that the mobile device is located within the threshold distance of the merchant sending, by the system computing device, to a point-of-sale (POS) device at the merchant a photograph and a passphrase of a user of the mobile device, the POS device being configured to process an offering; receiving, by the system computing device and from the POS device, an indication that the merchant has verified an identity of the user, the identity of the user being verified based at least in part on a comparison of the photograph with the user and receiving the passphrase from the user; receiving, by the system computing device and from the POS device, a transaction amount associated with a transaction between the user and the merchant; and causing the transaction amount to be processed using a payment account associated with the user.