US 12,243,047 B2
Re-using payment instruments for in-store use systems and methods
Bradley Joseph Kieffer, Rogers, AR (US); Mark Matthews, Rogers, AR (US); Eytan Daniyalzade, San Francisco, CA (US); David Martin Nelms, Rogers, AR (US); Prasanna Rajendran, Bentonville, AR (US); Charles David Berry, Fayetteville, AR (US); and Daniel Eckert, Rogers, AR (US)
Assigned to Walmart Apollo, LLC, Bentonville, AR (US)
Filed by Walmart Apollo, LLC, Bentonville, AR (US)
Filed on Jan. 20, 2023, as Appl. No. 18/157,245.
Application 18/157,245 is a continuation of application No. 15/767,487, granted, now 11,568,390, previously published as PCT/US2015/055134, filed on Oct. 12, 2015.
Prior Publication US 2023/0153793 A1, May 18, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/02 (2012.01); G06Q 20/12 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/36 (2013.01) [G06Q 20/027 (2013.01); G06Q 20/12 (2013.01); G06Q 20/202 (2013.01); G06Q 20/208 (2013.01); G06Q 20/32 (2013.01); G06Q 20/3276 (2013.01); G06Q 20/40 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A method for paying at a point of sale, comprising:
receiving, from a mobile device via a mobile application of a business for in-store payments, user login associated with an account stored in a user accounts database of the business, the account being previously established with the business for making purchases from the business and includes a payment profile;
retrieving, from a payment accounts database of the business, payment instrument information from the payment profile;
causing the mobile application to display for selection, one or more payment instruments associated with the payment profile to add as an in-store payment instrument;
receiving, via the mobile application, a selection to use a payment instrument from the payment profile for in-store payments at a brick-and-mortar store of the business;
storing, in a payment preferences database of the business, the payment instrument selected from the payment profile as a default payment instrument of the account for in-store payments at the business, wherein information associated with the account in the user accounts database, the payment accounts database, and the payment preferences database are secured for access by the user login associated with the account established with the business;
starting a transaction at the point of sale in the brick-and-mortar store of the business;
receiving, at a wallet processor, a pairing request identifying the account logged into the mobile application using the user login;
associating the payment profile with the transaction, wherein the payment profile comprises information associated with the payment instrument according to the payment preferences database for in-store payments;
sending an amount of sale to authorize to the wallet processor in response to completing scanning of items at the point of sale;
creating an authorization for payment and sending the authorization for payment to an authorizer; and
completing the transaction by processing payment.