US 11,983,693 B2
Peer-to-peer payment processing
Tuomas Artman, San Francisco, CA (US); Jyri Engestrom, San Francisco, CA (US); and Ulf Schwekendiek, San Francisco, CA (US)
Assigned to GROUPON, INC., Chicago, IL (US)
Filed by GROUPON, INC., Chicago, IL (US)
Filed on Sep. 23, 2021, as Appl. No. 17/448,574.
Application 17/448,574 is a continuation of application No. 16/394,659, filed on Apr. 25, 2019, granted, now 11,164,174.
Application 16/394,659 is a continuation of application No. 15/172,032, filed on Jun. 2, 2016, granted, now 10,325,253, issued on Jun. 18, 2019.
Application 15/172,032 is a continuation of application No. 13/801,520, filed on Mar. 13, 2013, abandoned.
Claims priority of provisional application 61/715,229, filed on Oct. 17, 2012.
Prior Publication US 2022/0253825 A1, Aug. 11, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/02 (2012.01); G06Q 20/08 (2012.01); G06Q 20/20 (2012.01); G06Q 20/36 (2012.01); H04W 76/10 (2018.01)
CPC G06Q 20/322 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/0855 (2013.01); G06Q 20/20 (2013.01); G06Q 20/36 (2013.01); H04W 76/10 (2018.02)] 20 Claims
OG exemplary drawing
 
1. A payment system for facilitating a secure transaction using a secure communication protocol, the payment system apparatus comprising at least one processor and at least one memory including computer-executable program instructions, the computer-executable program instructions configured to, with the at least one processor, cause the payment system apparatus to at least:
generate a random code that uniquely identifies a payment account of a user from other payment accounts;
generate, in response to receiving an indication that a mobile device associated with the payment account has formed a direct wireless connection with a merchant device, wallet identifying data using the random code that uniquely identifies the payment account of the user, wherein the wallet identifying data is configured to secure data transfers between the mobile device, the merchant device, and at least one remote server;
transmit an approval request indication and the wallet identifying data to the mobile device;
receive consumer approval data from the merchant device via a wireless connection, wherein the consumer approval data is transmitted to the merchant device from the mobile device via the direct wireless connection formed when the mobile device is within a direct wireless communicable range of the merchant device;
validate the consumer approval data received from the merchant device based on verifying that the consumer approval data was programmatically secured using the wallet identifying data sent to the mobile device; and
approve the transaction between the mobile device, the merchant device, and the at least one remote server when the consumer approval data satisfies one or more trigger conditions.