Patent Publication Number: US-11023928-B2

Title: Appointment and payment handling

Description:
RELATED APPLICATIONS 
     This Application claims priority to U.S. patent application Ser. No. 14/498,789, filed Sep. 26, 2014, which is incorporated herein by reference. 
     BACKGROUND 
     Providers of services and goods often interact with customers based on a schedule of appointments or similar scheduling items (e.g. reservations at restaurants, waitlists for salons, etc.). For example, restaurants may take reservations for parties of customers on certain dates and times. In another example, an instructor of a yoga class may have reserved slots for respective customers in each class session. Managing appointments (e.g. creating appointments, updating appointments in response to customer requests or changes in the merchant&#39;s schedule) and handling payments from customers to the merchants may represent a significant burden on the merchant. For example, the instructor of the above mentioned yoga class may find tasks such as keeping track of appointment change requests, attendance of his customers to the sessions and replacing customers that cancel by offering the appointment slots of the cancelations to other customers to be difficult. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       The detailed description is set forth with reference to the accompanying figures, in which the left-most digit of a reference number identifies the figure in which the reference number first appears. The use of the same reference numbers in the same or different figures indicates similar or identical items or features. 
         FIG. 1  illustrates an example system for handling appointments and payments among customers and merchants. 
         FIG. 2  is a flow diagram illustrating an example process the handling of appointment creation in the system shown in  FIG. 1 . 
         FIG. 3  is a flow diagram illustrating an example process for handling payments from users to merchants based at least in part on appointments and customer locations in the system shown in  FIG. 1 . 
         FIG. 4  is a flow diagram illustrating an example process for handling the rescheduling of a no-show customer on behalf of a merchant in the system shown in  FIG. 1 . 
         FIG. 5  is a flow diagram illustrating an example process for handling change requests to existing appointments in the system shown in  FIG. 1 . 
         FIG. 6  is a flow diagram illustrating an example process in the system shown in  FIG. 1  for handling referrals of appointments from an initial, requested merchant to merchants recommended by the requested merchant. The appointments to be referred may be pre-existing or newly requested appointments. 
         FIG. 7  is a flow diagram illustrating an example process in the system shown in  FIG. 1  for providing suggestions to merchants of potential customers to which to offer unbooked appointment slots. 
         FIG. 8  is a flow diagram illustrating an example process for handling customer requests for services from merchants in the system shown in  FIG. 1 . 
         FIG. 9  is a flow diagram illustrating an example process for handling merchant requests for bids for the merchant&#39;s services from users in the system shown in  FIG. 1 . 
     
    
    
     DETAILED DESCRIPTION 
     This disclosure describes systems and processes for handling appointments and payments among customers and merchants. In some examples herein, the system may allow for payment processing based on appointments and customer locations. For instance, the techniques herein may include determining if a customer is present at a location associated with the appointment and creating a payment record (i.e. a billing item) for the customer for the service associated with the appointment. 
     In addition, the system may provide for handling of changes in previously made appointments prior to the appointment time. For instance, four customers may have a reservation with a restaurant with an equal bill splitting arrangement. One of the customers may request the addition of two more customers to the reservation. The system may operate to verify that the change is available, for example, by contacting the merchant or automatically by analyzing information known about the merchant or obtained from a device of the merchant. If the change is available, the system may implement the change on behalf of the customer and merchant. 
     Moreover, the system may provide for handling referrals on behalf of a merchant. For example, a merchant may be unable to fulfill the appointment or may be unable to accept an appointment request. In such a case, the merchant may be asked to identify (or may have previously identified) one or more other merchants to which to refer the appointment request. The system may then determine which of the other merchants is available from the other merchants&#39; scheduling information (i.e. the system may maintain or query the other merchants&#39; scheduling information). The system may then provide the customer initially requesting the appointment with identification of the available other merchants recommended by the merchant the customer initially desired. 
     Additionally, the system may determine unbooked appointment slots of a merchant&#39;s schedule that the merchant may desire to fill. For example, the system may analyze customer information (e.g. schedule, task list, current location, etc.) and/or the history of customer interactions between the customers and the merchant to determine customers that may be interested in the unbooked appointment slots. The merchant may be presented with the determined customer and may make the offer to the customer manually or the system may offer the appointment slot to the customer automatically. 
     Details of these and other example implementations are described below. This brief introduction is provided for the reader&#39;s convenience and is not intended to limit the scope of the claims. Furthermore, the techniques described above and below may be implemented in a number of ways and in a number of contexts. Several example implementations and contexts are provided with reference to the following figures, as described below in more detail. However, the following implementations and contexts are but a few of many. For example, though discussed herein in the context of an appointment and payment handling system, implementations are not so limited. 
       FIG. 1  illustrates an example system  100  for handling appointments and payments among customers and merchants. As shown in  FIG. 1 , the system  100  may include one or more user(s)  102  (e.g. customers), one or more user device(s)  104  associated with the user(s)  102 , one or more merchants  106 , one or more merchant devices  108  associated with the one or more merchants  106 , one or more network(s)  110 , and one or more computing device(s)  112 . In various implementations, the user(s)  102  may operate the user device(s)  104 , which may include one or more processor(s)  114 , computer-readable media  116  and a display  118 . The computer-readable media  116  may store an appointment interface module  120  and a location module  122 . Similarly, the merchant(s)  106  may operate the merchant device(s)  108 , which may include one or more processor(s)  124 , computer-readable media  126  and a display  128 . The computer-readable media  126  may store an appointment interface module  130 . The computing device(s)  112  may also include one or more processor(s)  132  and computer-readable media  134 , which may store a user interaction module  136 , a merchant interaction module  138 , an appointment and payment module  140 , a natural language processing module  142  and a database  144 . In various implementations, the computing device(s)  112  may be, for example, computing device(s) physically located in the merchant buildings (e.g. in a shared space of one or more merchants), networked computing device(s) of a service company, or may be cloud services. 
     In some implementations, one of the users  102  may operate a user device  104  to perform various functions associated with the user device  104 . For example, a user of the user(s)  102  may utilize the user device  104 , and particularly the appointment interaction module  120  thereof, to interact with the computing devices  112 . The location module  122  may be utilized to determine the location of the user device at any given time. 
     In some implementations, the user device  104  may be any type of device that is capable of interacting with the computing device(s)  112 . For instance, the user device  104  may include a personal computer, a laptop computer, a cellular telephone, a PDA, a tablet device, or any other device. The user device  104  shown in  FIG. 1  is only one example of a user device  104  and is not intended to suggest any limitation as to the scope of use or functionality of any user device  104  utilized to perform the processes and/or procedures described herein. For example, the user device  104  may include various other applications or modules, such as for a user dashboard to enable the user to control information in a user&#39;s profile, set user preferences, and so forth. 
     The processor(s)  114  of the user device  104  may execute one or more modules and/or processes to cause the user device  104  to perform a variety of functions, as set forth above and explained in further detail in the following disclosure. In some implementations, the processor(s)  114  may include a central processing unit (CPU), a graphics processing unit (GPU), both CPU and GPU, or other processing units or components known in the art. Additionally, each of the processor(s)  114  may possess its own local memory, which also may store program modules, program data, and/or one or more operating systems. 
     Depending on the exact configuration and type of the user device  104 , the computer-readable media  116  may include volatile memory (such as RAM), non-volatile memory (such as ROM, flash memory, miniature hard drive, memory card, or the like), or some combination thereof. 
     In various implementations, the user device  104  may also have input device(s) such as a keyboard, a mouse, a pen, a voice input device, a touch input device, etc. The user device  104  may also include the display  118  and other output device(s), such as speakers, a printer, etc. The user  102  may utilize the foregoing features to interact with the user device  104  or the computing device(s)  112  via the network(s)  110 . More particularly, the display  118  of the user device  104  may include any type of display  118  known in the art that is configured to present (e.g., display) information to the users  102 . 
     In various implementations, the one or more merchants  106  may be any individual, entity, or machine that offers services or the like according to the examples herein. Moreover, each of the merchants  106  may be associated with one or more merchant devices  108 , which may be the same as, similar to, or different from the user devices  104 . The merchant devices  108  may include any number of components such as the one or more processor(s)  124 , the computer-readable media  126 , and/or the display  128 . The merchants  106  may utilize the merchant devices  108  to interact with the computing device(s)  112  in any manner. For instance, the merchant devices  108  may be used to access an interface associated with the computing device(s)  112  (e.g. the appointment interface module  130 ). 
     While the user devices  104  and merchant devices  108  are shown as including different modules, this is merely for ease of illustration and not intended as limiting. In various implementations, the user devices  104  and merchant devices  108  may be identical, similar or distinct. Moreover, the modules shown and described for the user devices  104  and merchant devices  108  may be implement as more modules or as fewer modules and functions described for the modules may be redistributed depending on the details of the implementation. Further, in some implementations, the user devices  104  and/or merchant devices  108  may vary from device to device. In general, the user devices  104  and the merchant devices  108  can each be any appropriate device operable to send and receive requests, messages, or other types of information over the one or more networks  110  or directly to each other. Additionally, in some implementation, there may be thousands, hundreds of thousands, or more, of the user devices  104  and the merchant devices  108 . 
     In some implementations, the network(s)  110  may be any type of network known in the art, such as a local area network or a wide area network, such as the Internet, and may include a wireless network, such as a cellular network, a local wireless network, such as Wi-Fi and/or close-range wireless communications, such as Bluetooth® and Bluetooth® low energy, a wired network, or any other such network, or any combination thereof. Accordingly, the one or more networks  110  may include both wired and/or wireless communication technologies, including Bluetooth®, Bluetooth® low energy, Wi-Fi and cellular communication technologies, as well as wired or fiber optic technologies. Components used for such communications can depend at least in part upon the type of network, the environment selected, or both. Protocols for communicating over such networks are well known and will not be discussed herein in detail. Consequently, the user devices  104 , the merchant devices  108 , and the computing device(s)  112  may communicatively couple to the network(s)  110  in any manner, such as by a wired or wireless connection. The network(s)  110  may also facilitate communication between the user devices  104 , the merchant devices  108 , and the computing device(s)  112 . 
     In addition, and as mentioned previously, the computing device(s)  112  may include the one or more processor(s)  132  and the computer-readable media  134 . The computing device(s)  112  may also include additional components not listed above that may perform any function associated with the computing device(s)  112 . In various implementations, the computing device(s)  112  may be any type of computing device, such as a network-accessible server, and may be one of multiple servers included in a server cluster or server farm. In other implementations, the processor(s)  132  and the computer-readable media  134  of the computing device(s)  112  may be the same as, similar to, or different from the processor(s)  114  and the computer-readable media  116 , respectively, of the user device(s)  104 . As discussed above, the computer-readable media  134  may store the user interaction module  136 , the merchant interaction module  138 , the appointment and payment module  140 , the natural language processing module  142  and the database  144 . The database  144  may store various information including appointment information  146  of the merchants, customer information  148 , and customer interaction history information  150 . 
     The user interaction module  136  and merchant interaction module  138  operate to interface with the user devices  104  and merchant devices  108 , respectively. For example, the modules  136  and  138  may operate in accordance with instructions from the appointment and payment module  140  to request or provide information on behalf of the appointment and payment module  140 . The appointment and payment module  140  may handle the creation, modification and the like of appointments and handle the processing of payments related to the appointments. For example, the appointment and payment module  140  may utilize the user interaction module  136  and the merchant interaction module  138  to handle communication with the user  102  and merchant  106 , respectively. Communications from the users  102  and/or merchants  106  may be processed using the natural language processing module  142 . In addition, the appointment and payment module  140  may utilize information from the database  144 , such as the appointment information  146  of the merchants, the customer information  148 , and the customer interaction history information  150  to provide handling of appointments and payments between merchants and users. In some implementations, the customer information  148  may include information regarding electronic payment accounts of the customers (e.g. users  102 ). 
     As mentioned above, the appointment and payment module  140  may handle payments between merchants and users. When paying for a transaction, a user  102  can provide the amount of payment that is due to a merchant  106  using cash, check, a payment card, NFC, or by electronic payment through a payment service of the computing devices  112 . The merchant  106  can interact with the merchant device  108  to process the transaction. In some examples, the service of the computing devise  112  may handle appointments but payments may at least at times be handled by point of sale (POS) transactions. In such cases, the point of sale may be the place where the user  102  with user device  104  meets merchant  106  with merchant device  108  at the appointment time. During point-of-sale (POS) transactions, the merchant device  108  can determine and send data describing the transactions, including, for example, appointment data, services related to and/or provided as a part of the appointment, item(s) being purchased in connection with the appointment, the amount of the item(s), buyer information, and so forth. 
     In some implementations, the payment service enables card-less payments, i.e., electronic payments, for transactions between the users  102  and the merchants  106  based on interaction of the user  102  with the user device  104  and interaction of the merchant  106  with the merchant device  108 . Accordingly, in some examples, a card-less payment transaction may include a transaction conducted between a user  102  and a merchant  106  at a POS location during which an electronic payment account of the user  102  is charged without the user  102  having to physically present a payment card to the merchant  106  at the POS location. Consequently, the merchant  106  need not receive any details about the financial account of the user  102  for the transaction to be processed. As one example, the electronic payment may be charged to a credit card issuer or credit card number that the user  102  provided when signing up with the service of the computing devices  112  for an electronic payment account. As another example, the user  102  may have a quantity of money pre-paid in an account maintained for use in making the electronic payments. Other variations will also be apparent to those of skill in the art having the benefit of the disclosure herein. 
     Before conducting an electronic payment transaction, the user  102  typically creates a user account with the service of the computing devices  112 . The user  102  can create the user account, for example, by interacting with an application of the user device  104  that is configured to perform electronic payment transactions and that may execute on the user device  104 . When creating an electronic payment account with the service of the computing devices  112 , the user  102  may provide an image including the face of the user, data describing a financial account of the user  102  (e.g., a credit card number, expiration date), and a billing address. This user information can be securely stored by the computing devices  112 , for example, in the customer information  148  in the database  144 . Further, the customer interaction history information  150  may be created for each user  102 , which may include information about the user and transactions conducted by the user. 
     To accept electronic payments for POS transactions, the merchant  106  may create a merchant account with the service of the computing devices by providing information describing the merchant including, for example, a merchant name, contact information, e.g., telephone numbers, the merchant&#39;s geographic location address, and one or more financial accounts to which funds collected from users will be deposited. This merchant information can be securely stored by the service, for example, in the database  144  along with the appointment information  146 . Further, a merchant profile may be created for each merchant, which may include information about the merchant and transactions conducted by the merchant. 
     The service of the computing devices  112  may be configured to enable electronic payments for transactions. The computing devices  112  can include one or more servers that are configured to perform securely electronic financial transactions, e.g., electronic payments for transactions between a user and a merchant, for example, through data communicated between the user device  104  and the merchant device  108 . Generally, when a user and a merchant enter into an electronic payment transaction, the transaction is processed by electronically transferring funds from a financial account associated with the user account to a financial account associated with the merchant account. 
     The appointment and payment module  140  may be configured to send and receive data to and from the user device  104  and the merchant device  108 . For example, the appointment and payment module  140  can be configured to send information describing merchants to an application on the user device  104  using, for example, the information stored in the database  144 . For example, the appointment and payment module  140  can communicate data describing merchants  106  that are within a threshold geographic distance from a geographic location of the user device  104 . The data describing the merchants  106  can include, for example, a merchant name, geographic location, contact information, and an electronic catalogue, e.g., a menu that describes appointments that are available for scheduling with the merchant. 
     In some embodiments, the appointment and payment module  140  is configured to determine whether a geographic location of the user device  104  is within a threshold geographic distance from a geographic location of the merchant device  108 . The appointment and payment module  140  can determine a geographic location of the user device  104  using, for example, geolocation data provided by the user device  104 . Similarly, the appointment and payment module  140  can determine a geographic location of the merchant device  108  using, for example, geolocation data provided by the merchant device  108  or using a geographic address, e.g., street address, provided by the merchant. Depending on the implementation, the threshold geographic distance can be specified by the appointment and payment module  140 , by the user, or by the merchant. 
     Determining whether the user device  104  is within a threshold geographic distance of the merchant device  108  can be accomplished in different ways including, for example, determining whether the user device  104  is within a threshold geographic radius of the merchant device  108 , determining whether the user device  104  is within a particular geofence, or determining whether the user device  104  can communicate with the merchant device  108  using a specified wireless technology, e.g., Bluetooth® or Bluetooth® low energy (BLE). In some embodiments, the appointment and payment module  140  restricts electronic payment transactions between the user  102  and the merchant  106  to situations where the geographic location of the user device  104  is within a threshold geographic distance from a geographic location of the merchant device  108 . 
     The computing devices  112  can also be configured to communicate with one or more computing devices  152  of a card payment network (e.g., MasterCard®, VISA®) over the one or more networks  110  to conduct financial transactions electronically. The computing devices  112  can also communicate with one or more bank computing devices  154  of one or more banks over the one or more networks  110 . For example, the computing devices  112  may communicate with an acquiring bank, and/or an issuing bank, and/or a bank maintaining user accounts for electronic payments. 
     An acquiring bank may be a registered member of a card association (e.g., Visa®, MasterCard®), and may be part of a card payment network. An issuing bank may issue payment cards to users, and may pay acquiring banks for purchases made by cardholders to which the issuing bank has issued a payment card. Accordingly, in some examples, the computing device(s) of an acquiring bank may be included in the card payment network and may communicate with the computing devices of a card-issuing bank to obtain payment. Further, in some examples, the user may use a debit card instead of a credit card, in which case, the bank computing device(s) of a bank corresponding to the debit card may receive communications regarding a transaction in which the user is participating. Additionally, there may be computing devices of other financial institutions involved in some types of transactions or in alternative system architectures, and thus, the foregoing are merely several examples for discussion purposes. 
     The user  102  operating the user device  104  that is within a threshold geographic distance of the merchant device  108  can interact with an application executed on the user device  104  to conduct an electronic payment transaction with the merchant  106 . While interacting with the application, the user  102  can select the merchant  106 , from a listing of merchants  106 , with whom the user wants to enter into an electronic payment transaction. The user  102  can select the merchant  106 , for example, by selecting a “check in” option associated with the merchant  106 . The user device  104  can communicate data to the computing devices  112  indicating that the user  102  has checked in with the merchant  106 . In response, the computing devices  112  can communicate data to notify the merchant device  106  that the user has checked in. An application executing on the merchant device  108  can notify the merchant  106  that the user has electronically checked in with the merchant  106  through a display of the merchant device  108 . 
     Once checked in, the user  102  can receive, obtain or request items, services or appointments that are available to be acquired from the merchant  106 . When the user  102  is ready to enter into the card-less payment transaction, the user  102  can, for example, approach a point of sale for the merchant  106  and identify him or herself. For example, the user  102  can verbally notify the merchant  106  that the user  102  wants to enter into a card-less payment transaction and can provide the merchant  106  with the user&#39;s name. The merchant  106  can then interact with the application executing on the merchant&#39;s device to select the user  102 , from a listing of users that have checked in with the merchant  106 , to initiate an electronic payment transaction for the item(s) being acquired by the user  102 . For example, the merchant  106  can determine a total amount to charge the user for the item(s) being acquired. The user can verbally approve the total amount to be paid and, in response, the merchant  106  can submit a request for an electronic payment transaction for the total amount of the transaction to the computing devices  112 . In response, the computing devices  112  can obtain, for example, from the customer information  148 , data describing a financial account associated with the electronic purchase account of the user  102  to which the total amount will be charged. 
     The computing devices  112  can then communicate with the computing device  152  of a card payment network to complete an electronic payment transaction for the total amount to be charged to user&#39;s electronic payment account. Once the electronic payment transaction is complete, the computing devices  112  can communicate data describing the electronic payment for the transaction to the user device  104 , e.g., as an electronic receipt, which can, for example, notify the user  102  of the total amount charged to the user for the electronic payment for the transaction with the particular merchant. Further, while a mobile user device  104  is described in this example for purposes of explanation, additional or alternative types of devices may be used in other examples. 
     In addition, the payment service implemented by the appointment and payment module  140  of the computing devices  112  may operate to perform payment processing in a similar manner to that described above based on the appointments, for example, without requiring interaction of the merchant or the user. Such an example payment process is described below. 
     The payment service may store appointment information including identification of the merchant  106 , the merchant device  108  of the merchant  106 , the user  102 , the user device  104  of the user  102 , services and/or items associated with the appointment, a location of the appointment, a time of the appointment, and so on. At the time of an appointment, the payment service may request information from the user device  104  and/or the merchant device  108  to determine whether the user device  104  is within a threshold geographic distance of the merchant device  108  or the location of the appointment. Alternatively, the user device  104  and/or the merchant device  108  may be instructed to make the distance determination. Based on the distance determination, the payment service may “check-in” the user with the merchant for the appointment (e.g. when the user device  104  is within the threshold geographic distance of the merchant device  108  or the location of the appointment). Application(s) executing on one or more of the user device  104  and the merchant device  108  can notify the user  102  and/or merchant  106  that the user  102  has been electronically checked in with the merchant  106  by the payment service. 
     Once checked in, the user  102  can receive, obtain, or request the items or services associated with the appointment. Subsequently, the computing devices  112  may determine that the appointment has been completed and may conduct an electronic payment transaction between the user  102  and the merchant  106 . For example, the computing devices  112  may determine the end of an appointment based on a determination that the user device  104  has left the geographic threshold distance from the merchant device  108  or the location of the appointment or a scheduled end time of the appointment. The computing devices  112  may then communicate with the computing device  152  of a card payment network to complete an electronic payment transaction for the total amount to be charged to user&#39;s electronic payment account and credited to, for example, an account of the merchant  106 . Once the electronic payment transaction is complete, the computing devices  112  can communicate data describing the electronic payment for the transaction to the user device  104  and the merchant device  108 , e.g., as an electronic receipt, which can, for example, notify the user  102  and merchant  106  of the total amount charged to the user for the electronic payment for the transaction with the merchant. 
     Additional details and example functionalities of the appointment and payment module  140  and the computing devices  112  as a whole are discussed below with regard to  FIGS. 2-9 . 
     As mentioned above, the operations of modules  136 - 144  may vary depending on functionality provided by the particular implementation. As such, the implementations are not limited to the example provided above. Details of the operation of the computing devices  112  is provided in the below discussion of  FIGS. 2-9 . Further, the example processes are described in the context of the environment of  FIG. 1  but are not limited to those environments. Each process described in this disclosure is illustrated as a logical flow graph, each operation of which represents a sequence of operations that can be implemented in hardware, software, or a combination thereof. In the context of software, the operations represent computer-executable instructions stored on one or more computer-readable media or embodied as one or more computer transmission media that, when executed by one or more processors, perform the recited operations. Generally, computer-executable instructions include routines, programs, objects, components, data structures, and the like that perform particular functions or implement particular abstract data types. 
     The computer-readable media may include non-transitory computer-readable storage media, which may include hard drives, floppy diskettes, optical disks, CD-ROMs, DVDs, read-only memories (ROMs), random access memories (RAMs), EPROMs, EEPROMs, flash memory, magnetic or optical cards, solid-state memory devices, or other types of storage media suitable for storing electronic instructions. In some implementations, the computer transmission media may include a transitory computer-readable signal (in compressed or uncompressed form). Examples of computer-readable signals, whether modulated using a carrier or not, include, but are not limited to, signals that a computer system hosting or running a computer program can be configured to access, including signals downloaded through the Internet or other networks. Finally, the order in which the operations are described is not intended to be construed as a limitation, and any number of the described operations can be combined in any order and/or in parallel to implement the process. 
     Prior to providing a detailed discussion of the acts involved in the processes  200 - 900 , an example scenario may be provided to give context. These scenarios are merely examples and should not be construed as limiting the implementations. 
       FIG. 2  is a flow diagram illustrating an example process  200  for the handling of appointment creation in the system shown in  FIG. 1 . The following actions described with respect to  FIG. 2  may be performed by the computing devices  112  shown in  FIG. 1 . 
     For context, process  200  may be utilized in the following scenario. A user (e.g. a customer) may wish to book an appointment with a merchant  106 . To do so, the user may utilize the appointment interface module  120 . For example, the user may indicate the merchant, type of service and time the user desires using a user interface provided by the appointment interface module  120 . The following acts of process  200  may be performed to process the received appointment request. 
     At  202 , the user interaction module  136  of the computing devices  112  may receive an appointment request from a user device  104 . In some implementations, the appointment request may indicate a merchant (e.g. a merchant identifier), a time for the appointment and so on. 
     At  204 , the appointment and payment module  140  may utilize the appointment information  146  of the merchant stored in the database  144  to determine if the appointment is available for the merchant at the indicated time. If the appointment is not available, the process may continue to  206 . At  206 , the appointment and payment module  140  may notify the user that the appointment is unavailable. If the appointment is available, the process may continue to  208 . 
     At  208 , the appointment and payment module  140  may load additional information for the appointment, such as the location, price, and so on for the appointment. At  210 , the appointment and payment module  140  may generate and store an appointment record for the new appointment including user identification, merchant identification, a location, a price and/or a time for the appointment. 
     The process  200  described above is only an example provided for discussion purposes. Numerous other variations are possible. 
       FIG. 3  is a flow diagram illustrating an example process  300  for handling payments from users (or customers) to merchants based at least in part on the appointments and customer locations. For instance, the process of  FIG. 3  may, if a customer is present at a location associated with the appointment at a time associated with the appointment, create a payment record (i.e. a billing item) for the customer. The process of  FIG. 3  may further provide for maximizing the number of completed appointments by scheduling new customers when previously made appointments are missed or canceled. The following actions described with respect to  FIG. 3  may be performed by the computing devices  112  shown in  FIG. 1 . 
     For context, process  300  may be utilized in the following scenario. A yoga instructor is offering classes in the park. Customers of the yoga instructor may create appointments for the classes using the process described above with regard  FIG. 2 . The yoga instructor may instruct the computing devices  112  to handle payment processing automatically for customers having appointments that are present during the appointment time. Further, the process  300  may provide for inviting new customers to classes to replace “no-show” customers. 
     At  302 , the computing device(s)  112  determines if the current time is during a time associated with an appointment being analyzed and that the current appointment has not been analyzed for longer than a threshold amount of time. In some implementations, the threshold amount of time may be used to limit the frequency that the appointments are checked to a desired frequency level (e.g. once per minute or less, once per ten minutes or less, etc.). If not, the process continues to  304 , at which point, a next appointment is loaded. If so, the process continues to  306 . 
     At  306 , the appointment and payment module  140  may utilize the user interaction module  136  to query the location module  122  of the user devices of users associated with the appointment being analyzed. Though not shown, the location module  122  of the user devices  104  may utilize one or more known location techniques such as proximity to a Bluetooth low energy device (e.g. of a merchant device or of a device located in a known location), global positioning system data, geolocation data, cell tower location data, wireless access point location data, wireless beacon location data, and so forth 
     At  308 , the appointment and payment module  142  may add or update a payment record for users of the user devices that are detected in the location associated with the appointment. For instance, the techniques herein may include determining if a customer is present at a location associated with the appointment and creating a payment record (i.e. a billing item) for the customer for the service associated with the appointment. Such a payment transaction may be processed as described above with regard to  FIG. 1 . 
     At  310 , the appointment and payment module  140  may determine the users  102  associated with the appointment that are not located in the location associated with the appointment (i.e. no-shows). At  312 , the appointment and payment module  140  may choose the next customer listed in a waitlist included in the appointment information  150  to which to offer the appointment of the no-show user. Though the implementation discussed herein utilizes a waitlist, in some implementations, the appointment and payment module  140  may ascertain the customers that appears most likely to accept the appointment and may or may not rely on a waitlist. Such a determination may be made based on many factors such as distance between the customers&#39; current location and the location of the appointment, scheduling information of the customer and/or customer interaction history information. For example, the appointment and payment module  140  may determine that customers whose current location is within walking distance of the location of the appointment to be more likely to accept the appointment than customers outside walking distance. In another example, the appointment and payment module  140  may eliminate from consideration customers whose scheduling information indicates that the customer is busy or will be busy before an estimated end of the appointment (e.g. the customer may have another appointment in thirty (30) minutes where the desired service, e.g. a haircut, is estimated to take forty-five (45) minutes). Additionally, depending on various settings of the system or preferences of the merchant, the appointment and payment module  140  may utilize customer interaction history information and determine the customer to offer the appointment based on past interaction between the respective customers and the merchant. More particularly, the settings or preferences may cause the appointment and payment module  140  to offer appointments of no-show customers to other customers having some threshold level of past interaction with the merchant, e.g. at least three prior visits. Alternatively, in some examples, the settings or preferences may indicate that appointments of no-show customers should be offered to customers with no prior interaction with the merchant (e.g. new customers). These are merely examples and many variations would be apparent in view of this disclosure. 
     At  314 , the appointment and payment module  140  may determine details of the offer of the appointment (e.g., whether a discount should be offered) and send the determined offer to the waitlist user. 
     At  316 , the appointment and payment module  140  determines if an acceptance has been received from the wait list user. If so, the process moves to  318  and a record for the replacement appointment is recorded for the waitlist user. If no acceptance is received or the waitlist user declines the appointment, the process returns to  312  and a different waitlist user is selected (if possible). 
     The process  300  described above is only an example provided for discussion purposes. For example, the implementation discussed above queries device locations during the appointment times. In other implementations, the “trigger” for the payment processing may be user device generated in a push manner. For example, the user device  104  may push a notification to the computing device(s)  112  indicating that the user device  104  has entered a geolocation associated with an appointment of the user  102 . In addition, the user device  104  may push a notification to the computing device(s)  112  indicating that the user device  104  has exited the geolocation. The pushed notifications may trigger the process to create payment records for the appointments. Numerous other variations are possible. 
       FIG. 4  is a flow diagram illustrating an example process  400  for handling the rescheduling of a no-show user for a merchant. The following actions described with respect to  FIG. 4  may be performed by the computing device  112  as shown in  FIG. 1  and may follow or be performed in relation to the process  300 . 
     For context, process  400  may be utilized in the scenario described above with regard to  FIG. 3 . One or more users have been determined by process  300  to be “no-shows” of the yoga instructor based on the appointment times of the users with a merchant and the geolocation of the users. The following acts of process  400  may be performed to offer the no-show user(s) new appointments with minimal interaction from the merchant. 
     At  402 , for a no-show user, the appointment and payment module  140  determines if the merchant has a free appointment time slot suitable to offer to the no-show user. Such a determination may be made based on many factors such as distance between the no-show user&#39;s current location and the location of the appointment, the customer task list or calendar and/or customer interaction history information. For example, if the no-show user is one hundred (100) miles away, a free appointment slot one hour from the current time is unlikely to be suitable. In another example, the appointment and payment module  140  may eliminate from consideration appointment slots where the customer&#39;s customer task list or calendar indicates that the customer is busy or will be busy before an estimated end of the appointment (e.g. the customer may have another appointment in thirty (30) minutes where the desired service, e.g. a haircut, is estimated to take forty-five (45) minutes). As mentioned above, the appointment and payment module  140  may analyze the customer&#39;s past interactions with the merchant (or other merchants) to determine whether the customer is likely to be interested in particular appointment slots. For example, the appointment and payment module  140  may determine that the customer rarely, if ever, has any grooming services provided between the hours of 4:00 PM and 7:00 AM. As such, the appointment and payment module  140  may treat free appointment slots in the determined time period as unlikely to be suitable to the customer. 
     At  404 , the appointment and payment module  140  may send the no-show customers an offer of the determined free time slot as a replacement appointment. The offer may indicate to the user that the user may accept the time slot, reject the time slot or indicate that the user does not wish to reschedule the appointment at this time. 
     At  406 , the appointment and payment module  140  determines if the user accepted the offered rescheduled appointment. If so, the process moves to  408  and the appointment and payment module  140  creates an appointment record for the replacement appointment of the no-show user. Otherwise, the process moves to  410 . At  410 , the appointment and payment module  140  determines if the user indicated that the user did not wish to reschedule at this time. If so, the process  400  ends. Otherwise, the process returns to  402  and a different free time slot, if available, is selected to be offered to the user. 
     The process  400  described above is only an example provided for discussion purposes. Numerous other variations are possible. 
       FIG. 5  is a flow diagram illustrating an example process  500  for handling change requests to existing appointments. The following actions described with respect to  FIG. 5  may be performed by the computing device  112  as shown in  FIG. 1 . 
     For context, process  500  may be utilized in the above described scenario in which four users have a reservation with a restaurant merchant with a previously set up bill splitting arrangement. The users now desire to add two additional users to the reservation and modify the bill splitting arrangement accordingly. The following acts of process  500  may be performed to modify an existing appointment. 
     At  502 , the appointment and payment module  140  may cause the user interaction module  136  to transmit an appointment reminder to the user device(s)  104  of the user(s)  102  associated with an appointment. At  504 , the appointment and payment module  140  may receive a response to the reminder that may include a natural language request for one or more changes to the appointment. In some implementations, the natural language request may take the form of natural language text data (e.g. SMS, e-mail, instant message, etc.), voice data, handwritten data, and so on. At  506 , the appointment and payment module  140  may request the natural language processing module  142  perform natural language processing on the received request to determine if a requested change is present in the response, and, if so, what requested change is present. 
     At  508 , the appointment and payment module  140  may determine if the natural language processing was successful. If not, the process may continue to  510 . Otherwise, the process may continue to  512 . 
     At  510 , the appointment and payment module  140  may request and receive clarification of the requested change. This may be performed in various ways. For example, in some implementations, the appointment and payment module  140  may request clarification from the originating user. In some implementations, if portions of the change requests were recognized by the natural language processing, the clarification request may be customized to reflect to the recognized portions. For example, if the natural language processing recognizes that the originating user wishes to add one or more additional users but is unable to determine who the additional user(s) are, the clarification request may include a query such as, “Who would you like to add?” In other implementations, the clarification of requests may take the form of manual recognition assistance (e.g. human review of the change request). The manual human review may be requested and received from the originating user, merchant, a third-party or so on. Once the clarification is received, the process continues to  512 . 
     At  512 , the appointment and payment module  140  determines if the requested change requires approval from the merchant. If so, the process continues to  514 . If merchant approval is not required, the process continues to  516 . The determination of whether approval from the merchant is required may be based on various types of information depending on the implementation. For example, in some implementations the appointment records may include indications of what changes should be approved by the merchant and what changes may be automatic. Alternatively or additionally, such rules may be included in the database separate from the appointments. For example, in the above scenario, previously established rules may set forth that the addition of new users to the reservation may require merchant approval but modifications to the bill splitting arrangement do not require merchant approval. In other scenarios, the change may not need merchant approval because the change does not affect the merchant. For example, the payments may be handled by the computing device(s)  112 . In a particular example, the computing device(s)  112  may be part of a payment processing system that acts as an intermediary to the merchant-customer transaction. In such a scenario, the customers may have accounts with the payment processing system and the payment processing system may have been previously informed of the payment sources for the customers. Because the payment processing system is handling the charges, the payment processing system may verify the change in bill splitting without the merchant&#39;s involvement. 
     At  514 , the appointment and payment module  140  may instruct the merchant interaction module  138  to send an approval request to the merchant that may request the merchant verify the change is available and that the merchant approves of the change. The process then continues to  518 . 
     At  516 , the appointment and payment module  140  may determine automatically if the change is available. For example, a modification of the bill splitting arrangement may not require approval from the merchant and the appointment and payment module  140  may make the determination automatically. In another scenario, if the change request is for a modification to the time at which the user has an appointment for a haircut at a salon and the salon in question allows for automatic approval of time changes based on scheduling information of the merchant, the appointment and payment module  140  may determine if the time slot requested in the change request is available based on the appointment information  146 . Once the appointment and payment module  140  has determined if the change is available, the process continues to  518 . 
     At  518 , if the change requested is available and, if applicable, approved, the process continues to  520 . At  520 , the appointment and payment module  140  may implement the change to the appointment record stored in the appointment information  146 . Otherwise, the process continues to  522 . At  522 , the appointment and payment module  140  may send a message to the user indicating that the change was unsuccessful. 
     The process  500  described above is only an example provided for discussion purposes. Numerous other variations are possible. 
       FIG. 6  is a flow diagram illustrating an example process  600  for handling referrals of appointments from an initial, requested merchant to other merchants recommended, endorsed, or trusted by the requested merchant. The appointments to be referred may be pre-existing or newly requested appointments. The following actions described with respect to  FIG. 6  may be performed by the computing device(s)  112  shown in  FIG. 1 . 
     At  602 , the computing devices  112  may determine if the merchant is unavailable for a newly requested or a previously booked appointment. For example, a merchant may send a status update message to the computing device(s)  112  indicating that the merchant is sick and requesting the computing device(s)  112  refer the merchant&#39;s appointments for the day to other merchants. In another scenario, an appointment request may be received for a time slot during which the merchant has indicated the merchant will be out of town, for which the merchant is already booked or for a service that the merchant does not offer. If the merchant is determined to be unavailable for the appointment, the process  600  may continue to  604 . Otherwise, the process  600  continues to  606  and the appointment is processed normally such that the newly requested appointment is booked or the existing appointment is left unchanged. 
     At  604 , the computing devices  112  may determine if the merchant has provided for approval of automatic referrals (and/or has already set up a referral list of other merchants) or if the merchant will provide referral of users requesting appointments to other merchants on a per-user basis. If the computing devices  112  determine the merchant will approve and/or handle referrals on a per-user basis, the process  600  continues to block  608 . Otherwise, the process  600  proceeds to blocks  610 . 
     At  608 , the appointment and payment module  140  may send a request to the requested merchant for approval to refer the user to another merchant and for an indication of other merchants to which the requested merchant will refer users. At  610 , the appointment and payment module  140  may determine merchants that were previously approved by the requested merchant as merchants to which the requested merchant will refer users. For example, the requested merchant may have previously provided the computing devices  112  with a list of approved merchants for referrals. The level of detail at which the merchant may specify which merchants to refer the users to may vary from implementation to implementation. For example, the system may provide for specifying the referral merchants based on type of service, user categories (e.g. new customers or established customers), and so on. Following  608  or  610 , the process continues to  612 . 
     At  612 , the appointment and payment module  140  may determine which of the merchants approved for referrals by the requested merchant are available and/or willing to provide the service of the appointment to be referred. This may be done by analyzing the appointment information  146  stored in the database  144  to determine open appointment times. Alternatively or in addition, the other merchants may be queried to see if they would be willing to accept the referred task. 
     At  614 , the appointment and payment module  140  may send the user an indication of the available and/or willing other merchants. The indication sent to the user may, in some examples, explicitly indicate that the requested merchant recommends, endorses, or trusts the available and/or willing other merchants. Moreover, in some implementations, the user may be presented with a ranked list of the available and/or willing merchants. The merchants may be ranked on various factors such as availability, price, reviews, and so on. At  616 , the appointment and payment module  140  may receive an appointment request from the user device, the request indicating an available merchant for the appointment. The process  600  may then proceed to  606  and process the replacement appointment request normally. Though not shown, in some implementations, the system may provide for communication between the selected other merchant and the initially requested merchant. This communication may allow for the initially requested merchant to provide the selected other merchant with known information about the user, such as history, likes and dislikes, the desired service, and the like. 
     The process  600  described above is only an example provided for discussion purposes. For example, some implementations may include a merchant to merchant financial agreement or the like. More particularly, the system may include functionality to allow for referral bonuses, fee sharing arrangements or the like between the merchants. In another example variation, the system may provide suggested lists of other merchants for the requested merchant to select for possible referrals. Such a suggested list may be generated based on various types of information, such as the requested merchant&#39;s referral history, connections on a social web-site and so on. Numerous other variations are possible. 
       FIG. 7  is a flow diagram illustrating an example process  700  for providing suggestions to merchants of potential customers to which to offer unbooked appointment slots. The following actions described with respect to  FIG. 7  may be performed by the computing device(s)  112  shown in  FIG. 1 . 
     At  702 , the appointment and payment module  140  analyzes a merchant&#39;s appointments to determine if there is an unbooked appointment in the merchant&#39;s schedule. If not, the process  700  continues to  704  and the appointment and payment module  140  begins analyzing the next merchant&#39;s schedule. If an unbooked time slot is found, the process moves to  706 . Depending on the implementation, the time range of the merchant&#39;s schedule being analyzed may vary. For example, the time range may be the immediate future (e.g. the next few appointment slots or the next few hours) or the range could be more extensive (e.g. the next few business days, months or years). In addition, the appointment and payment module  140  may determine types of vacancies in the merchant&#39;s schedule and treat the various types of vacancies differently. For example, the merchant may indicate that regularly vacant slots (e.g. fifty percent of weeks at 1:30 PM) be offered to new customers at a substantial discount but that regularly booked slots be offered to new or existing customer at a lesser discount or no discount. 
     At  706 , the appointment and payment module  140  analyzes customer information  148  and customer interaction history information  150  to determine customer(s) that are likely to be interested in the unbooked appointment. For example, the customer information  148  may include customers&#39; calendars or other preferences the customer has indicated for getting a certain appointment done. For example, the customer (i.e. a user  102 ) may maintain a calendar or task list of items to be done in the next couple of weeks (e.g. need to get a haircut done, need to set up time for cake tasting for wedding, etc.). The customer information  148  may include the task lists or calendars of the customers. The appointment and payment module  140  analyzes this information to determine the customer&#39;s tasks and availability. Moreover, the appointment and payment module  140  may analyze the customer interaction history information  150  to determine patterns of interaction of the customers with merchants. For example, the customer interaction history information  150  may include information regarding prior transactions between the customers and the merchants. In some examples, the prior transactions may be a collection of the customers&#39; financial transactions with the merchants that have been previously been handled by the appointment and payment module  140 . In a particular example, the appointment and payment module  140  may determine that a specific user regularly has a haircut with a merchant every three to four weeks and that it is currently the end of the third week since the user has had a haircut. If the specific user&#39;s calendar also indicates that the user is free at the time of the unbooked appointment, the appointment and payment module  140  may determine that the specific user  102  is likely to be interested in the unbooked appointment. In some implementations, the customer information  148  may further include user search histories. The users&#39; search histories (or current search(es)) may be processed to determine what the user is searching for. If the user is searching for services provided by the merchant, the appointment and payment module  140  may determine that the specific user  102  is more likely to be interested in the unbooked appointment. 
     At  708 , the appointment and payment module  140  may determine promotions (e.g. discounts or special offers), if any, to suggest that the merchant include in the offer to the determined customer(s). The determination of the discounts to suggest may be based at least in part on the customer(s)&#39; information, the time remaining until the unbooked appointment slot, and so on. For example, if the appointment is for this afternoon, the appointment and payment module  140  may suggest the merchant offer a 50% discount to the customer(s) while, if the appointment is for next week, the appointment and payment module  140  may suggest that the merchant offer a 20% discount. 
     At  710 , the appointment and payment module  140  may provide the merchant with the suggested users and promotions, if any. At  712 , the appointment and payment module  140  may receive a selection from the merchant of a customer to offer the appointment with any discounts approved by merchant. At  714 , the appointment and payment module  140  may send the indicated offer for the unbooked appointment to the selected customer. The process may then return to  702 . 
     The process  700  described above is only an example provided for discussion purposes. For example, the above process may be performed in reverse by analyzing the customer information, history and the like to determine services the user is likely to be interested in. The system may then determine unbooked appointments of merchants and suggest the unbooked appointments to the users. In another variation, the appointment and payment module  140  may make offers to the users without interacting with the merchant. For example, instead of presenting the merchant with suggested customers and promotions, the appointment and payment module  140  may create and send the offers to the determined users automatically. Numerous other variations are possible. 
       FIG. 8  is a flow diagram illustrating an example process  800  for handling user requests for services from merchants. For example, a user  102  may request the computing devices  112  provide the user with bids or offers from merchants matching one or more parameters that are available to provide a service at some particular time. The following actions described with respect to  FIG. 8  may be performed by the computing device(s)  112  shown in  FIG. 1 . 
     At  802 , the appointment and payment module  140  may receive a request from a user  102  for matching with a merchant that is available to provide a service. At  804 , the appointment and payment module  140  may determine one or more merchants to allow to submit “bids” on the request from the user (e.g., based on merchants&#39; availability or desire, based on certain parameters provided by the user (times, distance, rating, price range, etc.), and so on.) At  806 , the appointment and payment module  140  may send information to the determined merchants regarding the user&#39;s request and requesting the determined merchants submit bids for the service. At  808 , the appointment and payment module  140  may receive one or more acceptances (e.g. bids) from the determined merchants. In some implementations, the merchants may be allowed to bid repeatedly for the user&#39;s patronage until a cut off time or similar time. At  810 , the appointment and payment module  140  may provide the bids to the user for the user&#39;s acceptance. In some implementations, the bids may be filtered or ranked and select bids may be offered to the user. If the user accepts any of the bids from the merchants, the resulting appointment may be created in a manner similar to that described above for  FIG. 2 . 
     The process  800  described above is only an example provided for discussion purposes. Numerous other variations are possible. An example variation in which the roles of the merchants and users are reversed is illustrated in and described with regard to  FIG. 9 . 
       FIG. 9  is a flow diagram illustrating an example process  900  for handling merchant requests for bids for the merchant&#39;s services from users. For example, a merchant may request the computing devices  112  provide the merchant with users matching one or more parameters that desire a service at some particular time. In a particular example, a mobile service provider (e.g. a lawn care service provider) may finish a task early and request the computing device(s) provide the merchant with users that desire lawn care that will take less than forty-five minutes within a radius from the provider&#39;s current location. The following actions described with respect to  FIG. 9  may be performed by the computing device(s)  112  shown in  FIG. 1 . 
     At  902 , the appointment and payment module  140  may receive a request from a merchant  106  for matching with a user  102  that desires a service. At  904 , the appointment and payment module  140  may determine one or more users to allow to submit “bids” on the request from the merchant (e.g., based on users&#39; availability or desire, based on certain parameters provided by the merchant (time, distance, rating, price range, etc.), the merchant&#39;s travel or work itinerary, and so on.) At  906 , the appointment and payment module  140  may send information to the determined users regarding the merchant&#39;s request and asking the determined users to submit bids for the service. At  908 , the appointment and payment module  140  may receive one or more acceptances (e.g. bids) from the determined users. In some implementations, the users may be allowed to bid repeatedly for the merchant&#39;s service until a cut off time or similar time. At  910 , the appointment and payment module  140  may provide the bids to the merchant for the merchant&#39;s acceptance. In some implementations, the bids may be filtered or ranked and select bids may be offered to the merchant. If the merchant accepts any of the bids from the users, the resulting appointment may be created in a manner similar to that described above for  FIG. 2 . 
     As previously stated, each of the above discussed scenarios is merely an example and many variations are possible. Moreover, many variations of the techniques discussed above are possible as well without departing from the scope of this disclosure. 
     Although the subject matter has been described in language specific to structural features and/or methodological acts, it is to be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described. Rather, the specific features and acts are disclosed as illustrative forms of implementing the claims.