Providing automated initial and final payment for an activity based on determining the location of an activity participant's mobile communication device
IPC분류정보
국가/구분
United States(US) Patent
등록
국제특허분류(IPC7판)
G06Q-010/00
G06Q-040/00
출원번호
US-0800916
(2013-03-13)
등록번호
US-8744968
(2014-06-03)
발명자
/ 주소
Grigg, David M.
Thomas, Susan Smith
Harkey, Scott Lee
Bondesen, Laura
Calman, Matthew A.
출원인 / 주소
Bank of America Corporation
대리인 / 주소
Springs, Michael A.
인용정보
피인용 횟수 :
40인용 특허 :
4
초록▼
Systems, methods and computer programs provide for automated initial and final payment for an activity based on determining the location of an activity participant's mobile communication device. The described embodiments provide for the activity participant to automatically pay for the activity base
Systems, methods and computer programs provide for automated initial and final payment for an activity based on determining the location of an activity participant's mobile communication device. The described embodiments provide for the activity participant to automatically pay for the activity based on their presence at the activity location and agreement to participate. As such, the need to check-in and/or pay for the activity at a conventional payment counter is eliminated. Further, the invention provides for an automatic final payment to be made at the conclusion of the activity as opposed to having to pre-pay for the activity prior to conducting the activity. By remitting final payment at the completion of the activity, activity pricing can be accurately determined based on the amount and/or time of the activity in which the activity participant participated.
대표청구항▼
1. An apparatus for a participant to pay for participation in an activity provided by an activity provider, the apparatus comprising: a mobile communication device including a computing platform comprising a processor, a memory in communication with the processor and a location-determining device in
1. An apparatus for a participant to pay for participation in an activity provided by an activity provider, the apparatus comprising: a mobile communication device including a computing platform comprising a processor, a memory in communication with the processor and a location-determining device in communication with the processor; andan activity payment application stored in the memory, executable by the processor and configured to: implement the location-determining device to determine a present location and identify the present location as an activity site at which the participant may conduct an activity requiring payment,in response to identifying the present location as the activity site, generate and communicate, to a user interface on the mobile communication device, a first alert that is configured to query the participant to participate in the activity offered at the activity site and, in response to the participant agreeing to participate in the activity, request that the participant submit an initial payment, wherein the initial payment is less than a full payment required for the activity,receive a participant-input that authorizes payment of the initial payment using a participant-designated payment account, wherein receipt of the initial payment by the activity provider authorizes the participant to participate in the activity,implement the location-determining device to determine that the participant departed a predetermined area in which the activity occurs, andin response to determining that the participant has departed the predetermined area, automatically remit, from the payment account to the activity provider, a final payment for the activity, wherein the initial payment and the final payment combine to equal a full payment required for the activity. 2. The apparatus of claim 1, wherein the activity payment application is further configured to determine a first time at which the participant initiates the activity and a second time at which the participant finishes the activity, wherein the first and second times are determined based on the participant entering the predetermined area at the first time and departing the predetermined area at the second time. 3. The apparatus of claim 2, wherein the activity payment application is further configured to determine an amount for the final payment, wherein the amount is determined based on the first and second times and a predetermined time-based activity rate. 4. The apparatus of claim 1, wherein the activity payment application is further configured to determine a departure location at which the participant departed the predetermined area, wherein the departure location indicates a level of the activity that the participant completed. 5. The apparatus of claim 4, wherein the activity payment application is further configured to determine an amount for the final payment, wherein the amount is determined based on the level of the activity that the participant completed and a level-completed-based activity rate. 6. The apparatus of claim 1, wherein the activity payment application is further configured to, in response to automatically remitting the final payment, generate and communicate, to the participant, a payment receipt that includes an amount paid for the activity. 7. The apparatus of claim 1, wherein the activity payment application is further configured to implement the location determining device to determine that the participant is located within the predetermined area and, in response to determining that the participant is located within the predetermined area, generate and communicate one or more second alerts, wherein the second alert includes a current payment amount for the activity. 8. The apparatus of claim 7, wherein the activity payment application is further configured to determine the current payment amount based on a first time at which the participant initiated the activity, the current time and a predetermined time-based activity rate. 9. The apparatus of claim 7, wherein the activity payment application is further configured to implement the location-determining device to determine a current location of the mobile communication device, wherein the current location indicates a level of the activity that the participant has currently completed and determine the current payment amount based on the level of the activity that the participant has currently completed and a level-completed-based activity rate. 10. A method for a participant to pay for participation in an activity provided by an activity provider, the method comprising: determining, by a mobile communication device, a present location as an activity site at which the participant, in possession of the mobile communication device, may conduct an activity requiring payment;in response to determining the present location as the activity site, generating and communicating, to a user interface on the mobile communication device, a first alert that is configured to query the participant to participate in the activity offered at the activity site and, in response to the participant agreeing to participate in the activity, request that the participant submit an initial payment, wherein the initial payment is less than a full payment required for the activity;receiving, by the mobile communication device, a participant-input that authorizes payment of the initial payment using a participant-designated payment account, wherein receipt of the initial payment by the activity provider authorizes the participant to participate in the activity;determining, by a mobile communication device, that the participant, in possession of the mobile communication device, has departed a predetermined area in which the activity occurs; andin response to determining that the participant has departed the predetermined area, automatically remitting, from the payment account to the activity provider, a final payment for the activity, wherein the initial payment and the final payment combine to equal a full payment required for the activity. 11. The method of claim 10, wherein determining that the participant has departed the predetermined area further comprises determining, by a computing device, a first time at which the participant initiates the activity and a second time at which the participant finishes the activity, wherein the first and second times are determined based on the participant, in possession of the mobile communication device, entering the predetermined area at the first time and departing the predetermined area at the second time. 12. The method of claim 11, further comprising determining, by a computing device, an amount for the final payment, wherein the amount is determined based on the first and second times and a predetermined time-based activity rate. 13. The method of claim 10, wherein determining that the participant has departed the predetermined area further comprises determining, by a computing device, a departure location at which the participant departed the predetermined area, wherein the departure location indicates a level of the activity that the participant completed. 14. The method of claim 13, further comprising determining an amount for the final payment, wherein the amount is determined based on the level of the activity that the participant completed and a level-completed-based activity rate. 15. The method of claim 10, further comprising, in response to automatically remitting the final payment, generating and communicating, to the participant, a payment receipt that includes an amount paid for the activity. 16. The method of claim 10, further comprising generating and communicating, to the mobile communication device, one or more second alerts while the participant, in possession of the mobile communication device, is located within the predetermined area, wherein the second alert includes a current payment amount for the activity. 17. The method of claim 16, further comprising determining, by a computing device, the current payment amount based on a first time at which the participant initiated the activity, the current time and predetermined time-based activity rate. 18. The method of claim 16, further comprising determining, by a computing device, the current payment amount based on a current location of the participant, in possession of the mobile communication device, and a level-completed-based activity rate, wherein the current location indicates the level of the activity that the participant has currently completed. 19. A computer program product, the computer program product comprising a non-transitory computer-readable medium having computer-executable instructions to cause a computer to implement the steps of: determining a present location as an activity site at which a participant may conduct an activity requiring payment;in response to determining the present location as the activity site, generating and communicating a first alert that is configured to query the participant to participate in the activity offered at the activity site and, in response to the participant agreeing to participate in the activity, request that the participant submit an initial payment, wherein the initial payment is less than a full payment required for the activity;receiving a participant-input that authorizes payment of the initial payment using a participant-designated payment account, wherein receipt of the initial payment by an activity provider authorizes the participant to participate in the activity;determining that the participant has departed a predetermined area in which the activity occurs; andin response to determining that the participant has departed the predetermined area, automatically remitting a final payment for the activity, wherein the initial payment and the final payment combine to equal a full payment required for the activity. 20. The computer program product of claim 19, wherein the step of determining that the participant has departed the predetermined area further comprises determining a first time at which the participant initiates the activity and a second time at which the participant finishes the activity, wherein the first and second times are determined based on the participant, in possession of the mobile communication device, entering the predetermined area at the first time and departing the predetermined area at the second time. 21. The computer program product of claim 20, wherein the steps further comprise determining an amount for the final payment, wherein the amount is determined based on the first and second times and a predetermined time-based activity rate. 22. The computer program product of claim 19, wherein the step of determining that the participant has departed the predetermined area further comprises determining a departure location at which the participant departed the predetermined area, wherein the departure location indicates the level of the activity that the participant completed. 23. The computer program product of claim 19, wherein the steps further comprise determining an amount for the final payment, wherein the amount is determined based on the departure location and a level-completed-based activity rate. 24. The computer program product of claim 19, wherein the steps further comprise, in response to automatically remitting the final payment, generating and communicating, to the participant, a payment receipt that includes an amount paid for the activity. 25. The computer program product of claim 19, wherein the steps further comprise generating and communicating, to the mobile communication device, one or more second alerts while the participant, in possession of the mobile communication device, is located within the predetermined area, wherein the second alert includes a current payment amount for the activity.
Grigg, David M.; Johansen, Joseph Neil; Toth, Michael E.; Carpenter, Daniel Lynn; Qaim-Maqami, Hood; Hanson, Carrie Anne; Votaw, Elizabeth S., Authentication level of function bucket based on circumstances.
Votaw, Elizabeth S.; Jones-McFadden, Alicia C.; Grigg, David M.; Bertanzetti, Peter John; Toth, Michael E.; Hanson, Carrie Anne, Determining user authentication based on user/device interaction.
Grigg, David M.; Bertanzetti, Peter John; Burrell, Charles Jason; Hanson, Carrie Anne; Johansen, Joseph Neil; Toth, Michael E., Determining user authentication requirements along a continuum based on a current state of the user and/or the attributes related to the function requiring authentication.
Grigg, David M.; Bertanzetti, Peter John; Burrell, Charles Jason; Hanson, Carrie Anne; Johansen, Joseph Neil; Toth, Michael E., Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements.
Grigg, David M.; Bertanzetti, Peter John; Burrell, Charles Jason; Hanson, Carrie Anne; Johansen, Joseph Neil; Toth, Michael E., Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements.
Grigg, David M.; Bertanzetti, Peter John; Burrell, Charles Jason; Hanson, Carrie Anne; Johansen, Joseph Neil; Toth, Michael E., Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location.
Grigg, David M.; Bertanzetti, Peter John; Burrell, Charles Jason; Hanson, Carrie Anne; Johansen, Joseph Neil; Toth, Michael E., Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location.
Votaw, Elizabeth S.; Burrell, Charles Jason; Hanson, Carrie Anne; Jones, Alicia C.; Lynch, Michael Patrick; Qaim-Maqami, Hood, Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device.
Votaw, Elizabeth S.; Burrell, Charles Jason; Hanson, Carrie Anne; Jones, Alicia C.; Lynch, Michael Patrick; Qaim-Maqami, Hood, Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device.
Votaw, Elizabeth S.; Burrell, Charles Jason; Hanson, Carrie Anne; Jones, Alicia C.; Lynch, Michael Patrick; Qaim-Maqami, Hood, Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device.
Grigg, David M.; Johansen, Joseph Neil; Hanson, Carrie Anne; Burrell, Charles Jason; Votaw, Elizabeth S., Self-selected user access based on specific authentication types.
Grigg, David M.; Johansen, Joseph Neil; Hanson, Carrie Anne; Burrell, Charles Jason; Votaw, Elizabeth S., Self-selected user access based on specific authentication types.
Grigg, David M.; Johansen, Joseph Neil; Hanson, Carrie Anne; Burrell, Charles Jason; Votaw, Elizabeth S., Self-selected user access based on specific authentication types.
Grigg, David M.; Qaim-Maqami, Hood; Jones, Alicia C.; Votaw, Elizabeth S.; Johansen, Joseph Neil; Burrell, Charles Jason; Hanson, Carrie Anne; Lynch, Michael Patrick, Shutting down access to all user accounts.
Grigg, David M.; Qaim-Maqami, Hood; Jones, Alicia C.; Votaw, Elizabeth S.; Johansen, Joseph Neil; Burrell, Charles Jason; Hanson, Carrie Anne; Lynch, Michael Patrick, Shutting down access to all user accounts.
Grigg, David M.; Qaim-Maqami, Hood; Jones, Alicia C.; Votaw, Elizabeth S.; Johansen, Joseph Neil; Burrell, Charles Jason; Hanson, Carrie Anne; Lynch, Michael Patrick, Shutting down access to all user accounts.
Grigg, David M.; Johansen, Joseph Neil; Toth, Michael E.; Carpenter, Daniel Lynn; Qaim-Maqami, Hood; Hanson, Carrie Anne; Votaw, Elizabeth S., Sorting mobile banking functions into authentication buckets.
Grigg, David M.; Johansen, Joseph Neil; Toth, Michael E.; Carpenter, Daniel Lynn; Qaim-Maqami, Hood; Hanson, Carrie Anne; Votaw, Elizabeth S., Sorting mobile banking functions into authentication buckets.
Grigg, David M.; Johansen, Joseph Neil; Toth, Michael E.; Carpenter, Daniel Lynn; Qaim-Maqami, Hood; Hanson, Carrie Anne; Votaw, Elizabeth S., Sorting mobile banking functions into authentication buckets.
Grigg, David M.; Bertanzetti, Peter John; Toth, Michael E.; Hanson, Carrie Anne; Votaw, Elizabeth S., User authentication based on historical transaction data.
Grigg, David M.; Bertanzetti, Peter John; Toth, Michael E.; Hanson, Carrie Anne; Votaw, Elizabeth S., User authentication based on historical transaction data.
Grigg, David M.; Bertanzetti, Peter John; Toth, Michael E.; Hanson, Carrie Anne; Votaw, Elizabeth S., User authentication based on historical transaction data.
Grigg, David M.; Bertanzetti, Peter John; Burrell, Charles Jason; Hanson, Carrie Anne; Johansen, Joseph Neil; Toth, Michael E.; Votaw, Elizabeth S., User authentication based on other applications.
Grigg, David M.; Bertanzetti, Peter John; Burrell, Charles Jason; Hanson, Carrie Anne; Johansen, Joseph Neil; Toth, Michael E.; Votaw, Elizabeth S., User authentication based on other applications.
Grigg, David M.; Bertanzetti, Peter John; Burrell, Charles Jason; Hanson, Carrie Anne; Johansen, Joseph Neil; Toth, Michael E.; Votaw, Elizabeth S., User authentication based on other applications.
※ AI-Helper는 부적절한 답변을 할 수 있습니다.