( 56 ) References Cited ( US ) LLP 20 / 3278 ( ) Consumer Device. Memory ( s ) 151 Data Files. 154 Wallet Application 157 GPS Application 158

Transcription

1 ( 12 ) United States Patent Royyuru et al. ( 54 ) SYSTEMS AND METHODS FOR FACILITATING POINT OF SALE TRANSACTIONS ( 71 ) Applicant : First Data Corporation, Greenwood Village, CO ( US ) ( 72 ) Inventors : Vijay Kumar Royyuru, Norristown, PA ( US ; Peter Allen Donat, Palo Alto, CA ( US ) ( 73 ) Assignee : First Data Corporation, Greenwood Village, CO ( US ) ( * ) Notice : Subject to any disclaimer, the term of this patent is extended or adjusted under 35 U. S. C. 154 ( b ) by 159 days. ( 21 ) Appl. No.: 13 / 650, 659 MAI MULT A MINIMUI UT AT UN ANO NA MIMI US B2 ( 10 ) Patent No. : US 10, 007, 900 B2 ( 45 ) Date of Patent : Jun. 26, 2018 ( 56 ) References Cited ( 22 ) Filed : Oct. 12, 2012 * cited by examiner ( 65 ) Prior Publication Data US 2013 / A1 Apr. 18, 2013 Related U. S. Application Data ( 60 ) Provisional application No. 61 / 546, 240, filed on Oct. 12, ( 51 ) Int. Cl. G06Q G06Q 20 / 20 ( ) ( 52 ) U. S. CI. CPC G06Q 20 / 20 ( ); G06Q 20 / 327 ( ) ; G06Q 20 / 3276 ( ); G06Q 20 / 3278 ( ) ( 58 ) Field of Classification Search CPC. GO6Q 20 / 322 ; GO6Q 20 / 32 ; GO6Q 20 / 3276 ; GO6Q 20 / 3278 ; G06Q 20 / 10 See application file for complete search history. U. S. PATENT DOCUMENTS 8, 302, 847 B Johnson et al / A O ' Neil 705 / A Livingston et al 235 / A Melick et al / A1 * 4 / 2009 Ogilvy G06Q / / A1 * 4 / 2010 Dasgupta / / A1 * 11 / 2010 Roberts G06Q 20 / / / A1 * 3 / 2011 Beasley et al / A1 * 4 / 2011 Hernandez 705 / A Orr et al / A1 * 9 / 2011 Carr. GO6Q 20 / / / A1 * 8 / 2012 Falk et al A Schaefer et al / A Poniatowski 705 / / Al * 5 / 2013 White et al / 16 Primary Examiner Peter L Ludwig ( 74 ) Attorney, Agent, or Firm Eversheds Sutherland ( US ) LLP ( 57 ) ABSTRACT Systems and methods for facilitating point of sale transac tions. In one embodiment, a computer implemented method can be provided. The method can include collecting, by a mobile device at a merchant point of sale, merchant con textual information associated with a merchant station at a merchant location. The method can also include identifying payment information stored on the mobile device. Further, the method can also include providing the merchant con textual information and the payment information to a mer chant device in order to complete a point of sale transaction. 12 Claims, 4 Drawing Sheets Merchant POS Devices 135 Gas Pump who Fawwwwwwwwwwww 100 Restaurant Device In Storc Devices * * 145 www 110 Consumer Device Memory ( s ) 151 Data Files 154 Wallet Application 157 GPS Application me 15 Merchant Device Memory ( s ) 161 Data Files ) Transaction Processing Application ( s ) 166 wwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwww Secure Element ( s ) 155 Processor ( s ) 160 Processor ( s ) / 0 Interface ( s ) / 0 Interface ( s ) Communication Interface ( s ) ORROR Contactless Interface Device Device Network ( s ) Scanning Devices 172 Issuer / Financial Institution System ( s ) 120 Service Provider Computer ( s ) 130 Communication Interface ( s ) 163

2 R U. S. Patent Jun. 26, 2018 Sheet 1 of 4 US 10, 007, 900 B2 115 Commons Merchant Device Memory ( s ) 161 wwwwwwwwwwwwwwwwwwwwwwwww RYTYYYYYYYYYYYYYYYYYYYYTTEETTTTTTTTTTTTTTTTTTT 165 Transaction Processing Application ( s ) 166 Data Files 164 Processor ( ) 160 Communication Interface ( 1 / 0 Interface ( s ) s ) www wwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwww wwwwwwwwwwwwwww OS 156 Consumer Device wwwww Memory ( s ) 151 w wwwwwwwwwwwwwww Data Files 154 USEESKEUSE E Wallet Application 157 GPS Application 158 Secure Element ( s ) 155 wwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwww EEEEEEEEEEEEEEEEEEE ANA wwwwwwwwww Processor ( ) 150 ann Communication Interfacc ( O s ) 153 Interface ( 8 ) 152 LEEEEEEEEEEEEEEEE osarrrrrogramareggerlorar og Romero Ramoso ReRReResorrera 120 m Bol Network ( s ) 130 Issuer / Financial Institution System Wwwwwwwwwwwwwwwww wwwwwwwwwwwwwwwww ( s ) Service Provider Computer ( s ) FIG Merchant POS Devices 135 Gas Pump 140 Restaurant Device word Devices In Store Wowowego * * * * * e com * ww mout some ned from Interface Device 171 Contactless Device 170 Scanning Devices 172 WANA com 001

3 U. S. Patent Jun. 26, 2018 Sheet 2 of 4 US 10, 007, 900 B2 Start Provide a wallet application to a consumer device wwwwwwwwwwwwwwwwwwwwwwwww Activate the wallet application www w ww 2101 Collect merchant contextual information 215 Identify payment information Provide contextual information and payment information to a merchant device m 225 Receive and process contextual and payment information W WW w A crea 230 Receive payment related info and prompt consumer for input wwwwwwwwww www Provide payment related information and / or request consumer input Receive consumer input and provide input to merchant device Receive consumer input and process a payment transaction 250 End End 200 mm FIG. 2

4 * U. S. Patent Jun. 26, 2018 Sheet 3 of 4 US 10, 007, 900 B2 300 S Scan a static contactless device or image at a POS device Collect contextual information from the static device End * * * * 3 FIG. 3A 3404 hoom 305 mm 310 Start Establish communication with a merchant network Collect contextual information via the ociwork connection Poppens Receive an identifier of a merchant 1 POS device End 340 FIG. 3C 345 Lorem Start Start Activate a merchant location based Collect a phone number for a servicc consumer device at a merchant POS device Determine location information for the consumer device 325 Provide contextual information and 370 phone number to a merchant system Determine contextual infomation Invoke a payment application on the based on location information 375 consumer device WWW Receive an identifier of a merchant POS device Collect payment information ) 5 End ( End ) 360 FIG. 3B FIG. 3D

5 U. S. Patent Jun. 26, 2018 Sheet 4 of 4 US 10, 007, 900 B2 Start Activate a virtual shopping card application 405 Collect information associated with items to be purchased at a merchant location Receive a user selection of a checkout in the aisle " option Invoke a payment application ma 420 Provide contextual and payment information to a merchant system 425 End 400. FIG. 4

6 SYSTEMS AND METHODS FOR In one aspect of an embodiment, the merchant contextual FACILITATING POINT OF SALE information can include at least one of ( i ) a merchant TRANSACTIONS identifier, ( ii ) a merchant location, or ( iii ) an identifier of the merchant station. RELATED APPLICATION In one aspect of an embodiment, the merchant station can include one of ( i ) a gas pump or ( ii ) a restaurant table This application claims priority to U. S. Ser. No. 61 / 546, location. 240, titled Systems and Methods for Facilitating Point of In one aspect of an embodiment, the payment information Sale Transactions, filed on Oct. 12, 2011, the contents of can include a payment account number. which are incorporated herein by reference. 10 In one aspect of an embodiment, the merchant contextual information can be collected by reading data from one or FIELD OF THE DISCLOSURE more contactless tags associated with the merchant station. In one aspect of an embodiment, the merchant contextual Embodiments of the disclosure relate generally to point of sale transactions, and more specifically to point of sale 15 information can be collected by scanning at least one of ( i ) transactions in which consumer devices are situated a barcode image or ( ii ) a quick response code image asso remotely to merchant devices that process the transactions. ciated with the merchant station. In one aspect of an embodiment, the computer executable BACKGROUND OF THE DISCLOSURE instructions can further configure the one or more processors 20 to determine global positioning coordinates associated with Apurchase transaction at a point of sale ( POS ) typically the mobile device ; and identify at least a portion of the involves the provision of payment information from a con merchant contextual information based at least in part upon sumer payment device to a merchant terminal. For example, the global positioning coordinates. a consumer payment card is typically swiped by a merchant In one aspect of an embodiment, the computer executable in order to read magnetic stripe information from the card. 25 instructions can further configure the one or more processors Increasingly, a wide variety of other types of consumer to establish communication with a merchant location net devices are being utilized in association with POS payment work ; and identify at least a portion of the merchant con transactions. For example, a consumer can utilize a contact textual information via the established communication. less smart card or a near field communication ( NFC ) In another embodiment, a merchant device can be pro mobile device to provide payment information to a merchant 30 vided. The merchant device can include at least one com terminal. munications interface configured to receive merchant con However, contactless reader devices, such as NFC and textual information and payment information from a mobile radio frequency ( RF ) readers, may not be available or device located at a merchant station associated with a deployed at certain merchant points of service. For example, merchant location. The merchant device can also include at a contactless reader may not be deployed at a gasoline pump 35 least one processor configured to ( i ) process the merchant or at a particular table within a restaurant. Accordingly, it contextual information to identify the merchant station, ( iii ) may take additional time to process a transaction on behalf process a payment transaction utilizing the payment infor of a consumer. For example, a consumer may be required to mation. enter a store or other establishment at a gas station in order In one aspect of an embodiment, the merchant contextual to pay with a contactless device. As another example, in a 40 information can include at least one of ( i ) a merchant restaurant setting, the consumer may be required to wait for identifier, ( ii ) a merchant location, or ( iii ) an identifier of the a waiter to process a payment device. Additionally, the merchant station. consumer may be hesitant to provide certain contactless In one aspect of an embodiment, the merchant station can devices, such as mobile phones, to the waiter. Accordingly, include one of ( i ) a gas pump or ( ii ) a restaurant table there is an opportunity for improved system and methods for 45 location. facilitating transactions at a merchant point of sale. In yet another embodiment, a computer implemented method can be provided. The method can include collecting, BRIEF SUMMARY by a mobile device at a merchant point of sale, merchant contextual information associated with a merchant station at Certain embodiments of the disclosure can address some 50 a merchant location. The method can also include identify or all of the above needs. Certain embodiments of the ing payment information stored on the mobile device. Fur disclosure can provide systems and methods for facilitating ther, the method can also include providing the merchant point of sale transactions. In one embodiment, one or more contextual information and the payment information to a computer readable media can be provided. The one or more merchant device in order to complete a point of sale trans computer readable media can be configured to store com 55 action. puter executable instructions to be executed by one or more In one aspect of an embodiment, the merchant contextual processors. The computer executable instructions can con information comprises at least one of ( i ) a merchant iden figure the one or more processors to collect, by a mobile tifier, ( ii ) a merchant location, or ( iii ) an identifier of the device at a merchant point of sale, merchant contextual merchant station. information associated with a merchant station at a merchant 60 In one aspect of an embodiment, the merchant station can location. In addition, the computer executable instructions include one of ( i ) a gas pump or ( ii ) a restaurant table can configure the one or more processors to identify pay location. ment information stored on the mobile device. In addition, In one aspect of an embodiment, the payment information the computer executable instructions can configure the one can include a payment account number. or more processors to provide the merchant contextual 65 In one aspect of an embodiment, the merchant contextual information and the payment information to a merchant information can be collected by reading data from one or device in order to complete a point of sale transaction. more contactless tags associated with the merchant station.

7 In one aspect of an embodiment, the merchant contextual register, etc.) at a merchant location. A wide variety of information can be collected by scanning at least one of ( i ) suitable methods and / or networks may be utilized to estab a barcode image or ( ii ) a quick response code image asso lish the communication, such as local area networks, cellular ciated with the merchant station. networks, and / or other networks. The merchant device may In one aspect of an embodiment, the method can further 5 receive the collected merchant contextual information and include determining global positioning coordinates associ payment information ( e. g., payment account information ) ated with the mobile device ; and identifying at least a from the consumer device, and the merchant device may portion of the merchant contextual information based at least utilize the information to complete a payment transaction. in part upon the global positioning coordinates. As an alternative to the merchant device initiating a payment In one aspect of an embodiment, the method can further 10 transaction, the consumer device may communicate a pro include establishing communication with a merchant loca posed transaction to a transaction processor ( e. g., an issuer tion network ; and identifying at least a portion of the system, a service provider system, etc.) in order to initiate a merchant contextual information via the established com payment transaction. In either scenario, the consumer device munication. may function as a suitable reader that facilitates the collec 15 tion of transaction related information. In this regard, it is BRIEF DESCRIPTION OF THE FIGURES not necessary for a merchant POS device to be equipped with specific devices ( e. g., NFC readers, RF readers, etc. ) FIG. 1 illustrates a block diagram of an example system that facilitate the reading of payment information from the that may be utilized in accordance with various embodi consumer device. ments of the disclosure. 20 In certain embodiments, the consumer device may be a FIG. 2 illustrates a flow diagram of an example process consumer device that is configured to facilitate contactless for facilitating a point of sale transaction, according to an payment transactions, such as near field communication example embodiment of the disclosure. ( NFC ) or radio frequency ( RF ) transactions. However, FIGS. 3A 3D illustrate flow diagrams of example pro the merchant POS device may be a device that is not cesses for collecting information associated with a transac 25 configured to facilitate contactless transactions. For tion, according to an example embodiment of the disclosure. example, a gas pump may not be configured to facilitate FIG. 4 illustrates a flow diagram of an example process contactless transactions. Accordingly, the consumer device for completing a checkout function at a merchant location, may provide reader functionality configured to collect trans according to an illustrative embodiment of the disclosure. action related information, and the consumer device may 30 communicate with a merchant device or merchant system in DETAILED DESCRIPTION OF THE order to initiate a transaction. DISCLOSURE Embodiments of the disclosure now will be described more fully hereinafter with reference to the accompanying Various embodiments of the disclosure are directed to drawings, in which embodiments of the disclosure are systems and methods for facilitating point of sale transac 35 shown. This disclosure may, however, be embodied in many tions. According to an aspect of the disclosure, a consumer different forms and should not be construed as limited to the device ( e. g., a mobile device, etc.) may facilitate the col lection of merchant contextual information associated with a payment transaction. For example, the consumer device embodiments set forth herein ; rather, these embodiments are provided so that this disclosure will be thorough and com plete, and will fully convey the scope of the disclosure to may facilitate the collection of merchant identification infor 40 those skilled in the art. Like numbers refer to like elements mation ( e. g., a merchant name, a merchant location, etc.) throughout. and / or the collection of information associated with a par System Overview ticular payment station ( e. g., a gas pump at a gas station, a FIG. 1 represents a block diagram of an example system table in a restaurant, etc. ). Alternatively, an identifier ( e. g., 100 for facilitating point of sale transactions, according to a serial number, a location identifier, etc. ) may be collected 45 one embodiment of the disclosure. In certain embodiments, by the consumer device, and the collected identifier may the system 100 may facilitate the collection of merchant facilitate the identification, access, and / or collection of mer contextual information by a consumer device, and the pro chant information ( e. g., a merchant name, a merchant station vision of the merchant contextual information to merchant identifier, a merchant location, etc.) by another entity. A device or system to facilitate completion of a payment wide variety of suitable techniques may be utilized as 50 transaction. As shown in FIG. 1, the system 100 may include desired to collect merchant contextual information. For one or more consumer devices 105, at least one merchant example, a static information device ( e. g., an near field device 115 ( e. g., a merchant register, a merchant payment communication ( NFC ) tag, a radio frequency ( RF ) tag ) terminal, a merchant computer, etc.), and / or one or more may be read to collect merchant contextual information. As merchant POS devices 105 ( e. g., merchant POS terminals, another example, a barcode image or quick response (" QR ) 55 merchant registers, merchant computers, etc. ). As desired, code may be scanned. As another example, global position one or more suitable networks 120 may facilitate commu ing system ( GPS ) coordinates or a local network commu nication between various components of the system 100. nications session ( e. g., a Wi Fi connection, etc.) may be Additionally, in certain embodiments, the system 100 may utilized in order to identify a merchant location and payment include a wide variety of other entities associated with station identification information may be entered by a con 60 payment transactions, such as one or more payment account sumer. issuer systems and / or computers 125 and / or one or more Once merchant contextual information has been obtained service provider computers 130. by the consumer device, a communications session may be With reference to FIG. 1, any number of consumer established between the consumer and a merchant device, devices 105 may be provided. Examples of suitable con such as a merchant transaction processing system. For 65 sumer devices 105 include, but are not limited to, mobile example, communication may be established between a devices ( e. g., mobile phones, smart phones, etc. ) and other consumer device and a payment terminal ( e. g., a cash contactless transaction devices. In operation, a consumer

8 device 105 may facilitate collection of merchant contextual that facilitates the general operation of the consumer device information and the provision of the collected information to 105, as well as the execution of other program modules. For a merchant device 115. For example, the consumer device example, the OS 156 may be, but is not limited to, a suitable 105 may facilitate the collection of merchant contextual mobile OS or a specially designed operating system. As information from a wide variety of different types of mer 5 desired, the consumer device 105 may additionally include chant POS devices 110, such as a gas pump 135, a restaurant one or more communication modules that facilitate interac device 140, or various in store ( i. e., merchant location ) tion with other devices, such as merchant POS devices devices 145. In certain embodiments, the consumer device equipped with contactless readers and / or other communica 105 may additionally be equipped with contactless commu tions functionality. For example, a suitable near field com nications functionality, such as NFC, RF, and / or other func 10 munication module, radio frequency module, Bluetooth tionality. module, or other suitable communication module may be As desired, a consumer device 105 may include any included in the consumer device 105. number of processor driven devices, including but not lim The wallet application 157 may include one or more ited to, a mobile computer, an application specific circuit, a suitable software modules and / or applications configured to minicomputer, a microcontroller, and / or any other proces 15 facilitate the collection of merchant contextual information sor based device. A consumer device 105 may utilize one or and / or other transaction related information. Additionally, more processors 150 to execute computer readable instruc the wallet application 157 may be configured to facilitate the tions that facilitate the general operation of the consumer communication of transaction related information to a suit device 105 ( e. g., call functionality, etc.) and / or the collection able processing system, such as the merchant device 115. of merchant contextual information to facilitate payment 20 Additionally, in certain embodiments, the wallet application transactions. As a result of executing these computer read 157 may be configured to facilitate the direction of opera able instructions, a special purpose computer or particular tions associated with one or more contactless payment machine may be formed that facilitates the completion of a transactions, such as the output of payment information to be payment transaction in which the consumer device 105 acts received by a contactless reader device. As desired, the as a virtual reader to collect transaction related information. 25 wallet application 157 may invoke any number of suitable In addition to having one or more processors 150, the transaction applications, such as transaction applications consumer device 105 may further include and / or be associ stored on the secure elements 155. The transaction applica ated with one or more memory devices 151, input / output tions may be, for example, applications associated with ( I / O ) interface ( s ) 152, and / or communication and / or net various payment accounts and / or payment account issuers. work interface ( s ) 153. The memory 151 may be any com 30 In operation, a consumer may invoke a wallet application puter readable medium, coupled to the processor ( s ) 150, 157 at a merchant location. For example, the wallet appli such as random access memory ( RAM " ), read only cation 157 may be invoked while the consumer is at a gas memory ( ROM ), and / or removable storage devices. The pump 135, while the consumer is at a table in a restaurant, memory 151 may store a wide variety of data files 154 or while the consumer is in a store. Once activated, the and / or various program modules, such as an operating 35 wallet application 157 may facilitate the collection of mer system ( OS ) 156, one or more wallet applications 157, chant contextual information, such as a merchant name, a and / or a global positioning system ( GPS ) application. In merchant location, and / or an identifier of a merchant POS certain embodiments, a consumer device 105 may include device 110 ( e. g., a gas pump 135, a restaurant device 140, an one or more secure elements 155 configured to securely in store device 145, etc.). Alternatively, an identifier ( e. g., a store and / or access information, such as payment applica 40 serial number, a location identifier, etc. ) may be collected by tions, payment account information, and / or other transac the consumer device, and the collected identifier may facili tion related information. The secure elements 155 may be tate the identification, access, and / or collection of merchant stored in the memory 151 and / or included as a separate information ( e. g., a merchant name, a merchant station component of the consumer device 105. For example, a identifier, a merchant location, etc.) by another entity, such secure element 155 may be a separate chip that is configured 45 as the merchant device 115 or a service provider computer to communicate with primary computing functionality for 130. A wide variety of suitable methods and / or techniques the consumer device 105. As desired, one or more of the may be utilized as desired to collect or capture merchant transaction applications may be stored on a secure element contextual information by the wallet application 157 and / or 155. These transaction applications may be invoked by other related applications. A few example techniques are components of the consumer device 105, such as the wallet 50 described in greater detail below with reference to FIGS. application A 3D. For example, the wallet application 157 may direct The data files 154 may include any suitable data that the consumer device 105 to invoke one or more suitable facilitates the operation of the consumer device 105 and / or reader devices ( e. g., an NFC chip or reader, an RF chip or interaction of the consumer device 105 with one or more reader, a camera, etc.) to collect information from a static other components of the system 100. For example, the data 55 device ( e. g., a static contactless device 170 such as an NFC files 154 may include information associated with accessing tag or RF tag, etc.) or from one or more images ( e. g., a the secure elements 155, information associated with invok barcode image, a QR code, etc. ) situated at the merchant ing a wallet application 157, information associated with POS device 110. As another example, the wallet application invoking one or more transaction applications, information 157 may direct the GPS application 158 to determine a that facilitates the collection of merchant contextual infor 60 position ( e. g., GPS coordinates ) of the consumer device 105. mation, information that facilitates collection of information The wallet application 157 may then utilize the determined associated with items ( e. g., products, services, bundles of position to identify a merchant identifier and location, and products and / or services, etc. ) to be purchased, and / or infor the wallet application 157 may then prompt the user to enter mation that facilitates the output of information to a recipi identification information associated with the merchant POS ent system ( e. g., the merchant device 115, an issuer system 65 device 110 ( e. g., a gas pump number, a table number, etc. ). 125, a service provider computer 130 ) in association with a As another example, the wallet application 157 may estab payment transaction. The OS 156 may be suitable module lish a local area network communication with a merchant

9 system ( e. g., a Wi Fi connection ) and a merchant location merchant device 115. Indeed, a wide variety of different and / or identity may be received via the local area connec transaction processing flows and / or methods may be utilized tion. The wallet application 157 may then prompt the user to as desired in various embodiments. enter identification information associated with the mer A few examples of the operations that may be performed chant POS device 110. Indeed, a wide variety of suitable 5 by the wallet application 157 and / or the consumer device techniques may be utilized to collect merchant contextual 105 are described in greater detail below with reference to information, and the techniques described above are pro vided by way of example only. The one or more I / O interfaces 152 may facilitate com In addition to collecting merchant contextual information, the wallet application 157 may collect and / or identify a wide 10 munication between the consumer device 105 and one or variety of other transactional related information. In certain more input / output devices ; for example, one or more user embodiments, the wallet application 157 may facilitate the interface devices, such as a display a keypad, a touch screen collection of information associated with one or more items display, a microphone, a speaker, etc., that facilitate user to be purchases. For example, the wallet application 157 interaction with the consumer device 105. The one or more may direct one or more suitable reader devices to collect 15 network and / or communication interfaces 153 may facilitate item information from contactless tags ( e. g., NFC tags, RF connection of the consumer device 105 to one or more tags, etc.) associated with items to be purchases ( e. g., tags on suitable networks, for example, the network ( s ) 120 illus items, tags on shelves, etc. ). As another example, the wallet trated in FIG. 1. In this regard, the consumer device 105 may application 157 may direct one or more suitable reader receive and / or communicate information to other compo devices to scan one or more barcodes or other images ( e. g., 20 nents of the system 100. QR codes, etc.) associated with items in order to collect item With continued reference to FIG. 1, a wide variety of information. Alternatively, the wallet application 157 may different types of merchant POS devices 110 or merchant facilitate the receipt of item information from any number of station devices may be provided. These merchant POS merchant checkout devices, such as merchant scanning devices 110 may be devices associated with an actual point devices. In this regard, the wallet application 157 may 25 of sale and / or point of service at which a consumer seeks to facilitate the collection of item related information and purchase goods and / or services. Additionally, these mer allow a checkout in the aisle " option or a checkout option chant POS devices 110 may be situated remotely from a in which the items are not required to be scanned at a merchant device 115 that facilitates completion of a payment merchant register or payment terminal. transaction. Examples of suitable merchant POS devices 110 The wallet application 157 may additionally facilitate the 30 include, but are not limited to, a gas pump 135, a restaurant identification of a wide variety of payment information or device 140, such as a device situated at a table in a payment data to be communicated to the merchant device restaurant, and / or a wide variety of in store devices 145, 115. According to an aspect of the disclosure, the payment such as devices associated with items to be purchased. information may include information associated with a As desired, a merchant POS device 110 may include a payment account to be utilized in association with a payment 35 wide variety of different components that facilitate collec transaction, such as a payment account number. In one tion of merchant contextual information by a consumer example embodiment, the payment information may include track one and track two data, such as the data that may be stored by a conventional magnetic stripe payment device. device 105. For example, a merchant POS device 110 may include any number of contactless devices 170 ( e. g., NFC tags, RF tags, other static contactless devices, etc.) that may Additionally, in certain embodiments, the payment informa 40 be read ( e. g., read during a contactless " tap transaction, tion may include a wide variety of other transaction related etc.) by the consumer device 105 in order to collect mer information, such as consumer identification information, chant contextual information. As another example, a mer consumer device identification information, coupons and / or chant POS device 110 may include one or more images that offers to be redeemed, loyalty information ( e. g., a loyalty may be scanned by a consumer device 105 in order to collect account number, if available ), electronic receipt preferences, 45 merchant contextual information. warranty preferences, product registration preferences, etc. Additionally, in certain embodiments, a merchant POS In certain embodiments, the wallet application 157 may device 110 may include one or more suitable interface direct the communication of transaction related information devices 171 ( e. g., touch screens, key pads, etc.) that facili to a merchant device 115 in order to facilitate completion of tate the collection of information from a consumer. For a payment transaction. For example, any number of suitable 50 example, as explained in greater detail below with reference networks 120 ( e. g., a local area network, the Internet, a to FIG. 3D, consumer may utilize an interface device 171 cellular or mobile network, etc.) may be utilized to facilitate to provide a consumer device identifier ( e. g., a mobile communication of transaction related information ( e. g. telephone number, etc.) to a merchant POS device 110. The merchant contextual information, payment information, merchant POS device 110 may then provide the consumer item information, etc.) to a merchant device 115. The 55 device identifier and merchant contextual information to the merchant device 115 may then facilitate the completion of a merchant device 115, and the merchant device 115 may payment transaction. Additionally, in certain embodiments, utilize the consumer device identifier to invoke a wallet the merchant device 115 may communicate with a service application 157 on the consumer device 105 in order to provider computer, an acquiring platform, an issuer system, complete a payment transaction. Additionally, as desired in and / or other devices in order to facilitate the back end 60 certain embodiments, the merchant POS device 110 may processing of a transaction ( e. g., authorization, settlement, include any number of scanning devices 172, such as value added services, etc.). In other embodiments, the con barcode readers, that may be utilized by a consumer to sumer device 105 and / or the wallet application 157 may collect information associated with items to be purchased communicate with one or more of these entities in conjunc ( e. g., item identifiers ( i. e., Universal Product Codes, serial tion with transaction processing. For example, the wallet 65 numbers, etc.), pricing information, etc. ), and the scanning application 157 may provide payment account information devices 172 may provide the item information to a consumer to a service provider computer 130 rather than to the device 105 associated with the consumer.

10 10 With continued reference to FIG. 1, any number of niques. As desired, the transaction processing application merchant devices 115 may be provided. A merchant device 166 may receive certain information ( e. g., merchant con 115 may be a suitable device that facilitates the completion textual information, a consumer device identifier, etc.) from of payment transactions. In operation, the merchant device a merchant POS device 110. Once transaction related infor 115 may utilize one or more processors 160 to execute 5 mation has been received, the transaction processing appli computer readable instructions that facilitate the collection cation 166 may identify a wide variety of transaction infor of transaction related information ( e. g., information associ mation and utilize at least a portion of the transaction ated with items to be purchased, transaction amounts, con sumer payment account information, merchant contextual information to provide any number of transaction related information, value added service ( VAS ) information, etc.) 10 services. For example, the transaction processing applica and / or the generation and / or output of transaction related tion 166 may identify information associated with products requests ( e. g., transaction authorization requests, value and / or services to be purchased, as well as payment account added service ( VAS " ) requests, etc.). As a result of execut information ( e. g., information extracted from one or more ing these computer readable instructions, a special purpose images, etc.) and / or other transaction related information computer or particular machine may be formed that facili 15 ( e. g., coupon information, etc.). As desired, the transaction tates the completion of payment transactions. processing application 166 may invoke and / or request ( e. g., In addition to having one or more processors 160, the request a service provider computer, etc.) the invocation of merchant device 115 may further include and / or be associ a wide variety of VAS associated with a transaction, such as ated with one or more memory devices 161, input / output the application of coupons, the award and / or redemption of ( I / O ) interface ( s ) 162, and / or network interface ( s ) loyalty rewards, etc. The transaction processing application The memory 161 may be any computer readable medium, 166 may then generate a proposed transaction request that is coupled to the processor ( s ) 160, such as random access output for routing and / or delivery to a suitable transaction memory ( RAM ), read only memory ( ROM ), and / or processor, such as a payment account issuer system 125. In removable storage devices. The memory 161 may store a the event that the transaction is authorized, the transaction wide variety of data files 164 and / or various program 25 processing application 166 may invoke and / or request the modules, such as an operating system ( OS ) 165 and / or one invocation of a wide variety of VAS following the transac or more transaction processing applications or modules 166. tion, such as receipt generation and / or delivery services, The data files 164 may include any suitable data that product registration services, etc. Indeed, a wide variety of facilitates the operation of the merchant device 115 and / or suitable operations may be performed by the transaction interaction of the merchant device 115 with one or more 30 processing application 166. other components ( e. g., a consumer device 105, a merchant In certain embodiments, the transaction processing appli POS device 110, one or more issuer systems 125, one or cation 166 may be configured to receive an identifier ( e. g., more service provider computers 130, etc.) of the system a serial number, a location identifier, etc.) that may be 100. For example, the data files 164 may include informa utilized to access or otherwise obtain merchant contextual tion that facilitates the establishment of a communications 35 information. As desired, the transaction processing applica session with a consumer device 105, acquiring platform tion 166 may utilize the received identifier in order to obtain information, service provider information, information asso merchant contextual information, such as a merchant name, ciated with the generation of proposed transaction and / or a merchant location, and / or information associated with VAS requests, information associated with available VAS, point of sale or point of service ( e. g., a gas pump number, a and / or routing information for proposed transactions. 40 table number, etc. ). Alternatively, the transaction processing The OS 165 may be suitable module that facilitates the application 166 ( or, in certain embodiments, the consumer general operation of the merchant device 115, as well as the device 105 ) may provide the identifier to another entity, such execution of other program modules. For example, the OS as a service provider computer 130 that provides cloud 165 may be, but is not limited to, Microsoft Windows, processing services. The service provider computer 130 may Apple OSXTM, Unix, a mainframe computer operating sys 45 then utilize the identifier to access, look up, or otherwise tem ( e. g., IBM z / OS, MVS, OS / 390, etc.), or a specially obtain merchant contextual information to be utilized in the designed operating system. The transaction processing transaction. applications or modules 166 may include any number of One example of the operations that may be performed by suitable software modules and / or applications that facilitate a transaction processing application 166 and / or the merchant the receipt of transaction related information ( e. g., merchant 50 device 115 are described in greater detail below with refer contextual information, purchase transaction information, a ence to FIG. 2. purchase amount, information associated with purchased With continued reference to the merchant device 115, the products, etc. ), the generation of a proposed transaction, one or more I / O interfaces 162 may facilitate communica and / or the output of the proposed transaction. In certain tion between the merchant device 115 and one or more embodiments, the transaction processing applications may additionally facilitate the identification of information associated with a wide variety of value added services and the generation of one or more requests to invoke value added input / output devices, for example, one or more user inter face devices, such as a display, a keypad, a mouse, a pointing device, a control panel, a touch screen display, a remote control, a microphone, a speaker, etc., that facilitate user services, such as requests communicated to one or more interaction with the merchant device 115. The one or more service provider computers network and / or communication interfaces 163 may facilitate According to an aspect of the disclosure, the transaction connection of the merchant device 115 to one or more processing application 166 may be configured to receive suitable networks and / or communication links. In this transaction related information from a consumer device 105. regard, the merchant device 115 may receive and / or com For example, the transaction processing application 166 may m unicate information to other components of the system be configured to receive merchant contextual information , such as the consumer device 105, the issuer systems and payment information from a consumer 105 via any 125, the service provider computers 130, and / or other number of suitable networks and / or communication tech devices and / or systems.

11 12 With continued reference to FIG. 1, any number of issuer Operational Overview and / or financial institution systems 125 may be provided. An FIG. 2 illustrates a flow diagram of an example method or issuer system 125 may facilitate the backend processing of process 200 for facilitating a point of sale transaction, a proposed transaction. For example, an issuer system 125 according to an example embodiment of the disclosure. In may facilitate the approval and / or settlement of a proposed 5 transaction. In certain embodiments, a proposed transaction certain embodiments, the operations of the method 200 may be performed by a suitable consumer device and merchant may be routed to an issuer system 125 via a suitable device, such as the consumer device 105 and the merchant transaction network ( e. g., a debit network, a credit network, device 115 illustrated in FIG. 1. The method 200 may begin etc.), and the issuer system 125 may evaluate the proposed at block 205. transaction. An approval or rejection of the proposed trans 10 At block 205, one or more wallet applications may be action may then be output for communication to a merchant provided to a consumer device 105, such as the wallet device 115. The issuer system 125 may then facilitate the application 157 illustrated in FIG. 1. A wide variety of settlement of the proposed transaction. In certain embodi suitable techniques may be utilized to provide a wallet ments, an issuer system 125 may include similar compo application 157 to the consumer device 105. For example, nents as those discussed above for the merchant device the wallet application 157 may be provisioned ( e. g., over the For example, an issuer system 125 may include any number air provisioning, etc.) or downloaded to the consumer device of processors, memories, I / O interfaces, and / or network / 105. In certain embodiments, a wallet application 157 may communication interfaces. be associated with a service provider or trusted service Additionally, any number of service provider computers provider that facilitates the provision of wallet services. In 130 may be utilized as desired in various embodiments of 20 other embodiments, a wallet application 157 may be asso the disclosure. A service provider computer may provide a ciated with a particular merchant or payment account issuer. wide variety of transaction related and / or value added ser Additionally, as desired, a wide variety of payment infor vices ( VAS ) in association with transactions, such as mation may be stored on the consumer device 105. For coupon redemption services, loyalty services, location example, payment account ( e. g., track one and track two based services, electronic receipt services, product registra 25 data ) and / or other payment information may be stored on the tion services, warranty services, coupon issuance services, consumer device 105. As desired, other transaction related and / or the routing of a proposed transaction to an issuer for information may also be stored, such as coupon information approval and / or settlement purposes. In certain embodi and / or information associated with consumer preferences ments, a service provider computer 130 may include similar for a wide variety of VAS. In certain embodiments, infor components as those discussed above for the merchant 30 mation may be stored by one or more suitable secure device 115. For example, a service provider computer 130 elements associated with the consumer device 105. Alter may include any number of processors, memories, 1 / 0 natively, at least a portion of the information may be stored interfaces, and / or network / communication interfaces. by other memory components associated with the consumer A wide variety of suitable networks and / or communica device 105. Additionally, as desired, a wide variety of tion channels 120 may be utilized in association with 35 suitable techniques may be utilized to provide the informa embodiments of the disclosure. Certain networks may facili tion to the consumer device 105 prior to storage. For tate communication between remote devices. For example, example, payment information may be provisioned to the one or more telecommunication networks, cellular net mobile device by any number of suitable service providers works, wide area networks ( e. g., the Internet ) and / or trans via a suitable over the air provisioning technique. action networks ( e. g., branded networks ( e. g., a VISA net 40 As mentioned above, a wide variety of different types of work, etc.), debit and / or PIN networks, and / or a wide variety information may be stored by the consumer device 105. This of other suitable transaction networks ) may facilitate com information may include payment related data and / or a wide munication between various components of the system 100. variety of VAS data. Payment related data may include, for Other networks and / or channels 120 may facilitate commu example, identification information for a payment account to nication between consumer devices 105 and merchant 45 be utilized in association with a transaction ( e. g., an account devices 115 ( and / or merchant POS devices 110 ). These number, an identifier of an account issuer, etc.), consumer networks 120 may include wireless networks, RF networks, Bluetooth enabled networks, NFC connections, etc. Due to network connectivity, various methodologies as described identification information that may be utilized to identify or select a payment account, and / or consumer device identifi cation information ( e. g., device identifier, a mobile tele herein may be practiced in the context of distributed com 50 phone number, etc. ) that may be utilized to identify or select puting environments. It will also be appreciated that the a payment account. VAS data may include information various networks may include a plurality of networks, each associated with the provision of a wide variety of VAS in with devices such as gateways and routers for providing association with the transaction. These VAS may be imple connectivity between or among networks. Additionally, mented by the merchant device 115 and / or by any number of instead of, or in addition to, a network, dedicated commu 55 suitable service provider computers directly or indirectly in nication links may be used to connect various devices in communication with the merchant device 115. A wide vari accordance with an example embodiment. ety of different types of VAS may be implemented as desired The system 100 shown in and described with respect to in various embodiments of the disclosure, and each of the FIG. 1 is provided by way of example only. Numerous other VAS may be associated with information received from the operating environments, system architectures, and device 60 consumer device 105 and / or accessed from a suitable data configurations are possible. Other system embodiments can source on behalf of the consumer. Examples of suitable include fewer or greater numbers of components and may pre transaction VAS include, but are not limited to, elec incorporate some or all of the functionality described with tronic wallet services, loyalty services, coupon redemption respect to the system components shown in FIG. 1. Accord services, location based mobile services, electronic receipt ingly, embodiments of the disclosure should not be con 65 services, product registration services, product warranty strued as being limited to any particular operating environ services, coupon and / or offer issuance services, targeted ment, system architecture, or device configuration. advertisement services, receipt reconciliation with issuer

12 13 14 statement services, etc. Various VAS may be invoked prior bank statement, etc.) and identify any discrepancies. In other to the completion of a transaction, during the completion of words, an example reconciliation service may conduct an the transaction, and / or following the completion of the audit of the transaction on behalf of the consumer and / or the transaction. merchant. An example electronic wallet service, which may alter 5 At block 210, a wallet application 157 may be activated natively be implemented as a transaction processing service, on the consumer device 105. For example, a consumer may may facilitate the identification of a payment account to activate the wallet application 157 via a suitable interface utilize in association with a transaction, as well as the associated with the consumer device 105. In certain embodi verification of a consumer ' s identity. A loyalty service may m ents, the wallet application 157 may be activated at a identify an applicable loyalty account of the consumer, such 10 merchant location. For example, the wallet application 157 as a loyalty account with the merchant. The loyalty service may be activated at a gas station, at a restaurant, or at a may then facilitate the issuance and / or redemption of loyalty merchant store location. points and / or loyalty rewards in association with the trans At block 215, the wallet application 157 may collect a action. A coupon redemption service may compare products wide variety of merchant contextual information associated being purchased ( e. g., UPCs, etc. ) with available coupons 15 with a merchant POS device, such as one of the merchant ( e. g., coupons identified from received transaction informa POS devices 110 illustrated in FIG. 1. Examples of merchant tion, coupons stored at the service provider in association contextual information include but are not limited to, a with the consumer, coupons accessed from an external data merchant location, a merchant name, and / or an identifier of source, etc.), and the coupon redemption service may iden a merchant POS device ( e. g., an identifier of a gas pump, an tify coupons that may be redeemed. The coupon redemption 20 identifier of a restaurant table, etc.). In certain embodiments, service may then facilitate the communication of applied an identifier of merchant contextual information may be coupons to coupon issuers, and the distribution of redeemed collected by the wallet application 157, and the identifier coupon revenue to the merchant. A location based mobile may be utilized by another entity to determine merchant service may perform a wide variety of suitable services contextual information. A wide variety of suitable methods based upon received location information ( e. g., GPS coor 25 and / or techniques may be utilized as desired to collect or dinates, etc.) for a consumer device. For example, a loca capture merchant contextual information by the wallet appli tion based mobile service may evaluate a consumer device cation 157. A few example techniques are described in location based upon consumer transaction processing pref greater detail below with reference to FIGS. 3A 3D. For erences, and the location based service may determine example, the wallet application 157 may direct the consumer whether the transaction may be completed based at least in 30 device 105 to invoke one or more suitable reader devices part upon the evaluation. For example, a consumer may ( e. g., an NFC chip or reader, an RF chip or reader, a camera, specify that a consumer device ( e. g., a mobile device of a etc.) to collect information from a static device ( e. g., a static child ) can only be used at gas stations and / or grocery stores contactless device 170 such as an NFC tag or RF tag, etc. ) in order to complete transactions. A location based service or from one or more images ( e. g., a barcode image, a QR may utilize GPS coordinates for the consumer device to 35 code, etc.) situated at the merchant POS device 110. As identify a merchant for a proposed transaction, and the another example, the wallet application 157 may direct the location based service may determine whether a transaction GPS application 158 to determine a position ( e. g., GPS can be approved for the merchant. As another example of a coordinates ) of the consumer device 105. The wallet appli location based service, a consumer may request different VA cation 157 may then utilize the determined position to services in different states and / or geographical regions. 40 identify a merchant identifier and location, and the wallet Indeed, a wide variety of different location based services application 157 may then prompt the user to enter identifi may be provided as desired. cation information associated with the merchant POS device An example electronic receipt service may generate elec 110 ( e. g., a gas pump number, a table number, etc. ). As tronic receipts for a transaction, and the electronic receipts another example, the wallet application 157 may establish a may be delivered to any number of recipients, such as the 45 local area network communication with a merchant system merchant POS device 105 and / or the consumer device 110. ( e. g., a Wi Fi connection ) and a merchant location and / or An example product registration service may automatic identity may be received via the local area connection. The complete a product registration application on behalf of the wallet application 157 may then prompt the user to enter consumer and deliver the registration application to a suit identification information associated with the merchant POS able recipient, such as a manufacturer. As desired, a con 50 device 110. Indeed, a wide variety of suitable techniques sumer may specify the types of products ( e. g., electronics, may be utilized to collect merchant contextual information, appliances, etc.) for which product registration services will and the techniques described above are provided by way of be provided. An example product warranty service may example only. identify and store product warranty information on behalf of In addition to collecting merchant contextual information, the consumer. Another example product warranty service 55 the wallet application 157 may collect and / or identify a wide may evaluate consumer preferences in order to automati variety of other transactional related information. In certain cally ( or upon prompting ) purchase an extended warranty embodiments, the wallet application 157 may facilitate the for a purchased product. An example coupon issuance collection of information associated with one or more items service may identify, based upon, for example, the pur to be purchases. For example, the wallet application 157 chased products and / or historical purchases, one or more 60 may direct one or more suitable reader devices to collect coupons to be issued to the consumer ( e. g., coupons that item information from contactless tags ( e. g., NFC tags, RF may be printed on the back of or otherwise associated with tags, etc.) associated with items to be purchases ( e. g., tags on a receipt ). Similarly, a targeted advertisement service may items, tags on shelves, etc.). As another example, the wallet identify advertisements and / or promotions to be communi application 157 may direct one or more suitable reader cated to the consumer. An example receipt reconciliation 65 devices to scan one or more barcodes or other images ( e. g., service may compare a purchase amount to a subsequently QR codes, etc. ) associated with items in order to collect item obtained issuer statement ( e. g., a credit card statement, a information. Alternatively, the wallet application 157 may

13 15 16 facilitate the receipt of item information from any number of tion, payment information, consumer input and / or VAS merchant checkout devices, such as merchant scanning information. For example, the merchant device 115 may devices. In this regard, the wallet application 157 may activate a merchant POS device, such as a gas pump, to facilitate the collection of item related information and allow the consumer to utilize the merchant POS device. As allow a " checkout in the aisle " option or a checkout option 5 another example, the merchant device 115 may generate a in which the items are not required to be scanned at a proposed payment transaction, and the merchant device 115 merchant register or payment terminal. may communicate the proposed payment transaction to an At block 220, the wallet application 157 may facilitate the issuer system or payment processing system via any number identification of a wide variety of payment information or of suitable transaction networks. Additionally, as desired, payment data to be utilized in association with a transaction. 10 the merchant device 115 may request the provision of a wide According to an aspect of the disclosure, the payment variety of suitable VAS. For example, the merchant device information may include information associated with a 115 may communicate any number of VAS requests to one payment account to be utilized in association with a payment or more suitable service provider systems. transaction, such as a payment account number. In one In certain embodiments, the merchant device 115 may be example embodiment, the payment information may include 15 configured to receive an identifier ( e. g., a serial number, a track one and track two data, such as the data that may be location identifier, etc. ) of merchant contextual information stored by a conventional magnetic stripe payment device. from the wallet application 157. The identifier may be Additionally, in certain embodiments, the payment informa utilized to access or otherwise obtain merchant contextual tion may include a wide variety of other transaction related information. As desired, the merchant device 115 may utilize information, such as consumer identification information, 20 the received identifier to obtain merchant contextual infor consumer device identification information, coupons and / or mation, such as a merchant name, a merchant location, offers to be redeemed, loyalty information ( e. g., a loyalty and / or information associated with a point of sale or point of account number, if available ), electronic receipt preferences, service ( e. g., a gas pump number, a table number, etc. ). For warranty preferences, product registration preferences, etc. example, the merchant device 115 may utilize the identifier At block 225, the wallet application 157 may provide the 25 to access one or more data stores of merchant contextual collected merchant contextual information, payment infor information. Alternatively, the merchant device 115 ( or, in mation ( e. g., a payment account number, etc. ), and / or other certain embodiments, the consumer device 105 ) may pro transaction related information to a suitable merchant v ide the identifier to another entity, such as a service device 115 for processing. As desired, the wallet application provider computer 130 that provides cloud processing ser 157 may additionally communicate a request for a payment 30 vices. The service provider computer 130 may then utilize transaction. A wide variety of suitable communications the identifier to access, look up, or otherwise obtain mer sessions and / or networks may facilitate communication chant contextual information to be utilized in association between the consumer device 105 and the merchant device with the transaction As a result of the wallet application 157 collecting As a result of utilizing identifiers of merchant contextual merchant contextual and payment information, the wallet 35 information, it may be easier to associate various tags ( e. g., application 157 and the associated consumer device 105 NFC tags, RF tags, etc.), images, and / or other components may function as a virtual reader device that collects trans with merchant devices ( e. g., gas pumps, restaurant tables, action related information. For example, even if a suitable etc.). The association of an identifier with the merchant merchant reader device ( e. g., an NFC reader, an RF reader, contextual information can be made at a server level and / or etc. ) is not located at or associated with a merchant POS 40 at a centralized storage location. Accordingly, in the event device, a transaction may still be facilitated at the point of that a tag is replaced, an update may be made to the stored sale or point of service. information rather than specifically configuring a tag or At block 230, the merchant device 115 may receive the other component for a particular merchant device merchant contextual information and the payment informa The method 200 may end following block 250. tion. The merchant device 115 may then process the received 45 FIG. 3 illustrates a flow diagram of another example information in association with a payment transaction. As process 300 for communicating payment information from a desired, the merchant device 115 may provide information consumer device to a merchant terminal, according to an associated with the payment transaction ( e. g., a transaction example embodiment of the disclosure. In certain embodi amount, etc.) and / or one or more requests for consumer m ents, the operations of the method 300 may be performed input to the consumer device at block 235. For example, a 50 by a suitable consumer device and merchant POS device, request for a desired tip amount may be communicated such as the consumer device 110 and the merchant POS during a restaurant transaction. The consumer device 105 device 105 illustrated in FIG. 1. The method 300 may begin may receive the payment related information and / or at block 305. requests at block 240 and, in the event that a request is FIGS. 3A 3D illustrate flow diagrams of example meth received, the wallet application 157 may prompt the con 55 ods or processes 300, 315, 340, 360 for collecting informa sumer for consumer input. For example, the consumer may tion associated with a transaction, according to an example be prompted to enter a desired tip amount. As another embodiment of the disclosure. The illustrated methods 300, example, the consumer may be prompted to approve a 315, 340, 360 are example methods for facilitating the transaction. collection of merchant contextual information. Certain of At block 245, consumer input may be received by the 60 the methods may be performed by a suitable consumer consumer device 105, and the wallet application 157 may device and / or associated wallet application, such as the process the received consumer input. The wallet application consumer device 105 and wallet application 157 illustrated 157 may then direct communication of the received user in FIG. 1. Other methods may be performed by a suitable input to the merchant device 115. At block 250, the merchant merchant POS device, such as a gas pump. device 115 may receive any consumer input, and the mer 65 Turning to FIG. 3A, a first example process 300 or chant device 115 may process a transaction ( e. g., a payment method for collecting merchant contextual information by a transaction, etc.) utilizing the merchant contextual informa consumer device 105 is illustrated. The method 300 may

14 18 begin at block 305. At block 305, one or more suitable reader The method 340 may end following block 355. devices may be utilized to scan and / or interrogate one or FIG. 3D illustrates an example process 360 or method for more contactless devices and / or images at a POS device. collecting merchant contextual information by a merchant Contextual information may then be collected from the static POS device, such as a gas pump. The method 360 may begin device and / or images at block at block 365. At block 365, a merchant POS device, such as As one example, a static NFC or RF tag may be read in a gas pump or restaurant device associated with a particular order to collect merchant contextual information. As desired, table, may prompt a consumer to enter an identifier of a the static tag may be woken up or invoked by the wallet consumer device 105, such as a mobile telephone number application 157 in order to read the merchant contextual associated with a mobile device. The consumer may then information. As another example, one or more barcode 10 enter the device identifier into the merchant POS device. and / or QR code images may be captured by the consumer At block 370, the merchant POS device may provide device 105. The wallet application 157 may then process the merchant contextual information and the device identifier captured images in order to extract merchant contextual ( e. g., telephone number, etc.) to a merchant system for information. processing, such as the merchant system 115 illustrated in The method 300 may end following block FIG. 1. At block 375, the merchant system 115 may utilize FIG. 3B illustrates a second example process 315 or the device identifier to contact the consumer device 105, and method for collecting merchant contextual information ( or the merchant system 115 may invoke a suitable payment an identifier of merchant contextual information ) by a con application stored on the consumer device 105. In this sumer device 105. The method 315 may begin at block 320. regard, the merchant system 115 may collect payment infor At block 320, a merchant location based service may be 20 mation from the consumer device 105 at block 380, and the activated on a consumer device 105. For example, a loca merchant system 115 may complete a payment transaction. tion based application ( e. g., a GPS application ) may be The method 360 may end following block 380. activated on the consumer device 105. In certain embodi FIG. 4 illustrates a flow diagram of an example process or ments, the location based application may be activated by a method 400 for completing a checkout function at a mer wallet application 157. In other embodiments, the location 25 chant location, according to an illustrative embodiment of based application may be a suitable application associated the disclosure. In certain embodiments, the operations of the with a merchant. method 400 may be performed by a suitable consumer At block 325, location information for the consumer device, such as the consumer device 105 illustrated in FIG. device 105 may be determined. For example, GPS coordi 1. The method 400 may begin at block 405. nates may be determined for the consumer device 105. At 30 At block 405, a virtual shopping cart application may be block 330, merchant contextual information may be deter activated on the consumer device 105. In certain embodi mined based at least in part upon the location information. ments, the virtual shopping cart application may be a com For example, the GPS coordinates may be processed in order ponent of or may be associated with a suitable wallet to identify or determine a merchant location at which the application, such as the wallet application 157 illustrated in consumer device 105 is located. In one example embodi 35 FIG. 1. At block 410, the shopping cart application may be ment, GPS coordinates may be translated into a merchant utilized to collect information associated with one or more identifier and store identifier. items to be purchased at a merchant location. For example, At block 335, a consumer or user of the consumer device the shopping cart application may direct the collection of 105 may be prompted to enter information associated with item information ( e. g., item identifiers, price information, a merchant POS device. For example, the consumer may be 40 location identifiers that may be utilized to look up item prompted to enter a gasoline pump number or a restaurant information, etc.) from one or more contactless tags ( e. g., table number. The consumer may utilize one or more suit NFC tags, RF tags, etc. ) associated with items, such as tags able interfaces to enter the requested information. In this attached to items and / or tags located on shelves within a regard, merchant contextual information may be collected merchant location. As another example, the shopping cart The method 315 may end following block application may direct the scanning of one or more images, FIG. 3C illustrates a third example process 340 or method such as barcode images and / or QR codes, associated with for collecting merchant contextual information by a con items to be purchased. The shopping cart application may sumer device 105. The method 340 may begin at block 345. then process the images in order to extract item information. At block 345, communication may be established between At block 415, the shopping cart application may receive the consumer device 105 and a merchant network, such as 50 a user selection for a " checkout in the aisle " option or a merchant Wi Fi network, a merchant Bluetooth network, transaction. For example, a user may select a checkout in or another suitable network. For example, a merchant may the aisle from one or more suitable user interfaces gener provide a Wi Fi hot spot at a gas station. A suitable appli ated by the shopping card application. At block 420, a cation associated with the consumer device 105, such as a suitable payment application, such as a payment application wallet application 157, may be utilized to connect to the 55 stored on a secure element of the consumer device 105, may Wi Fi hot spot. be invoked by the shopping cart application. In this regard, At block 350, merchant contextual information, such as a payment information ( e. g., a payment account number, etc.) merchant identifier and store identifier, may be collected by may be collected by the shopping cart information. At block the consumer device 105 via the established network con 425, the shopping cart application may provide merchant nection. Additionally, at block 355, a consumer or user of the 60 contextual information, item information, and payment consumer device 105 may be prompted to enter information information to a suitable merchant system, such as the associated with a merchant POS device. For example, the merchant system 115 illustrated in FIG. 1, in order to consumer may be prompted to enter a gasoline pump facilitate a payment transaction for the items. In this regard, number or a restaurant table number. The consumer may the shopping cart application and / or a suitable wallet appli utilize one or more suitable interfaces to enter the requested 65 cation may facilitate transactions without the consumer information. In this regard, merchant contextual information waiting in line to have items scanned at a merchant register may be collected. or payment terminal.

15 19 20 The method 400 may end following block 425. understood that each block of the block diagrams and flow The operations described and shown in the methods 200, diagrams, and combinations of blocks in the block diagrams 300, 315, 340, 360, 400 of FIGS. 2 4 may be carried out or and flow diagrams, can be implemented by special purpose, performed in any suitable order as desired in various hardware based computer systems that perform the specified embodiments of the disclosure. Additionally, in certain 5 functions, elements or steps, or combinations of special embodiments, at least a portion of the operations may be purpose hardware and computer instructions. carried out in parallel. Furthermore, in certain embodiments, Many modifications and other embodiments of the dis less than or more than the operations described in FIGS. 2 4 closure set forth herein will be apparent having the benefit may be performed. of the teachings presented in the foregoing descriptions and The disclosure is described above with reference to block 10 the associated drawings. Therefore, it is to be understood and flow diagrams of systems, methods, apparatuses, and / or that the disclosure is not to be limited to the specific computer program products according to example embodi embodiments disclosed and that modifications and other ments of the disclosure. It will be understood that one or embodiments are intended to be included within the scope of more blocks of the block diagrams and flow diagrams, and the appended claims. Although specific terms are employed combinations of blocks in the block diagrams and the flow 15 herein, they are used in a generic and descriptive sense only diagrams, respectively, can be implemented by computer and not for purposes of limitation. executable program instructions. Likewise, some blocks of The claimed disclosure is : the block diagrams and flow diagrams may not necessarily 1. One or more non transitory computer readable media need to be performed in the order presented, or may not configured to store computer executable instructions that, necessarily need to be performed at all, according to some 20 when executed by one or more processors, configure the one embodiments of the disclosure. or more processors to : Various block and / or flow diagrams of systems, methods, store, in at least one secure element component of a apparatus, and / or computer program products according to mobile device, user payment information including one example embodiments of the disclosure are described above. or more payment account numbers ; It will be understood that one or more blocks of the block 25 proposing a contactless payment transaction between a diagrams and flow diagrams, and combinations of blocks in user of the mobile device and a merchant, via a wallet the block diagrams and flow diagrams, respectively, can be application on the mobile device, before the mobile implemented by computer executable program instructions. device is at a merchant location of the merchant asso Likewise, some blocks of the block diagrams and flow ciated with the proposed contactless payment transac diagrams may not necessarily need to be performed in the 30 tion ; order presented, or may not necessarily need to be per receive instructions, at the wallet application, to initiate formed at all, according to some embodiments of the dis the wallet application on the mobile device while the closure. user of the mobile device is at the merchant location ; These computer executable program instructions may be determine, utilizing the wallet application, merchant iden loaded onto a special purpose computer or other particular 35 tification information for the proposed contactless pay machine, a processor, or other programmable data process ment transaction based at least in part on comparing a ing apparatus to produce a particular machine, such that the position of the mobile device using global positioning instructions that execute on the computer, processor, or other system ( GPS ) coordinates received from a GPS appli programmable data processing apparatus create means for cation of the mobile device with a determined merchant implementing one or more functions specified in the flow 40 location of the merchant wherein the determined mer diagram block or blocks. These computer program instruc chant identification information comprises a merchant tions may also be stored in a computer readable memory that identifier ; can direct a computer or other programmable data process determine, based at least in part on the determined mer ing apparatus to function in a particular manner, such that chant identification information, merchant contextual the instructions stored in the computer readable memory 45 information including an identifier of a merchant produce an article of manufacture including instruction device at the merchant location ; means that implement one or more functions specified in the in response to determining the merchant identification flow diagram block or blocks. As an example, embodiments information, determine, by utilizing the wallet applica of the disclosure may provide for a computer program tion to access the at least one secure element compo product, comprising a computer usable medium having a 50 nent a payment account number from the one or more computer readable program code or program instructions payment account numbers on the at least one secure embodied therein, said computer readable program code element component to be used in association with the adapted to be executed to implement one or more functions proposed contactless payment transaction ; specified in the flow diagram block or blocks. The computer identify, utilizing the wallet application, user loyalty program instructions may also be loaded onto a computer or 55 account information of the user associated with the other programmable data processing apparatus to cause a merchant and stored in association with the payment series of operational elements or steps to be performed on account number in the at least one secure element the computer or other programmable apparatus to produce a component ; computer implemented process such that the instructions receive, utilizing the wallet application, user input for that execute on the computer or other programmable appa 60 identification of a merchant payment station at the ratus provide elements or steps for implementing the func merchant location, wherein the merchant payment sta tions specified in the flow diagram block or blocks. tion is not configured to accept the proposed contactless Accordingly, blocks of the block diagrams and flow payment transaction ; and diagrams support combinations of means for performing the upon determining that the merchant payment station is not specified functions, combinations of elements or steps for 65 configured to accept the proposed contactless payment performing the specified functions and program instruction transaction, provide, utilizing the wallet application, means for performing the specified functions. It will also be the determined merchant contextual information, the

16 21 22 payment account number from the at least one secure tual information including an identifier of a merchant element component, and the identified user loyalty device at the merchant location ; account information to the merchant device to complete in response to determining the merchant identification a point of sale transaction for the proposed contactless information, determining, utilizing the wallet applica payment transaction via wireless communication and to 5 tion to access the at least one secure element compo facilitate a redemption of loyalty points in association nent, a payment account number from the one or more with the proposed contactless payment transaction. payment account numbers on the at least one secure 2. The one or more non transitory computer readable element component to be used in association with the media of claim 1, wherein the merchant payment station comprises one of ( i ) a gas pump or ( ii ) a restaurant table 10 proposed contactless payment transaction ; location. identifying, utilizing the wallet application, user loyalty 3. The one or more non transitory computer readable account information of the user associated with the media of claim 1, wherein the determined merchant identi merchant and stored in association with the payment fication information is collected by reading data from one or account number in the at least one secure element more contactless tags associated with the merchant payment 15 component ; station. receiving, utilizing the wallet application, user input for 4. The one or more non transitory computer readable identification of a merchant payment station at the media of claim 1, wherein the determined merchant identi merchant location, wherein the merchant payment sta fication information is collected by scanning at least one of tion is not configured to accept the proposed contactless ( i ) a barcode image or ( ii ) a quick response code image 20 payment transaction ; and associated with the merchant payment station. upon determining that the merchant payment station is not 5. The one or more non transitory computer readable configured to accept the proposed contactless payment media of claim 1, wherein the computer executable instruc transaction, providing, utilizing the wallet application, tions further configure the one or more processors to : the determined merchant contextual information, the activate a location based application on the mobile 25 payment account number from the at least one secure device ; element component, and the identified user loyalty determine, utilizing the location based application, the account information to the merchant device via wire GPS coordinates associated with the mobile device ; less communication to complete a point of sale trans identify the merchant located at or near the GPS coordi action for the proposed contactless payment transaction nates ; and 30 and to facilitate a redemption of loyalty points in provide to the wallet application the merchant identifier association with the proposed contactless payment and a merchant location identifier associated with the transaction. merchant. 8. The computer implemented method of claim 7, 6. The one or more non transitory computer readable wherein the merchant payment station comprises one of ( i ) media of claim 1, wherein the computer executable instruc 35 a gas pump or ( ii ) a restaurant table location. tions further configure the one or more processors to : 9. The computer implemented method of claim 7, establish communication with a merchant location net wherein the determined merchant identification information work ; and is collected by reading data from one or more contactless identify at least a portion of the merchant identification tags Tags associated with the merchant payment station. information via the established communication The computer implemented method of claim 7, 7. A computer implemented method comprising : wherein the determined merchant identification information storing, in at least one secure element component of a is collected by scanning at least one of ( i ) a barcode image mobile device, user payment information including one or ( ii ) a quick response code image associated with the or more payment account numbers ; merchant payment station. proposing a contactless payment transaction between a The computer implemented method of claim 7, further user of the mobile device and a merchant, via a wallet comprising : application on the mobile device, before the mobile activating a location based application on the mobile device is at a merchant location of the merchant asso device ; ciated with the proposed transaction ; determining, using the location based application, the receiving instructions, at the wallet application, to initiate 50 GPS coordinates associated with the mobile device ; the wallet application on the mobile device while the identifying the merchant located at or near the GPS user of the mobile device is at the merchant location ; coordinates ; and determining, utilizing the wallet application, merchant providing to the wallet application the merchant identifier identification information for the proposed contactless and a merchant location identifier associated with the merchant. payment transaction based at least in part on comparing 55 a position of the mobile device using global positioning 12. The computer implemented method of claim 7, fur system ( GPS ) coordinates received from a GPS appli ther comprising : cation of the mobile device with a determined merchant establishing communication with a merchant location location of the merchant, wherein the determined mer network ; and chant identification information comprises a merchant 60 identifying at least a portion of the determined merchant identifier ; identification information via the established commu determining, based at least in part on the determined nication. merchant identification information, merchant contex * * * * *