Peer-To-Peer Payment Processing

Abstract

Systems and related methods facilitating payments with a mobile device are discussed herein. Circuitry in a networked-based payment system may be configured to receive payment information from a first device. The first device may include circuitry configured to wirelessly receive wallet identifying data from the payment system. The wallet identifying data may be used to secure messages between the first device and another device over a wireless link. For example, the first device may be configured to send the wallet identifying data to a second device, which may then communicate with the payment system. In response, consumer identifying data associated with the wallet identifying data may be received by the second device from the payment system. In some embodiments, use of wallet identifying data may be applied to other communications, such as for messages that authorize payment.

1 . A merchant device comprising:
 a display configured to present interactive displays;   communications circuitry configured to facilitate communications with a consumer device and a payment server; and   processing circuitry configured to:
 wirelessly send a total cost to the consumer device; 
 wirelessly receive consumer approval data for a payment from the consumer device, wherein the consumer approval data is secured with wallet identifying data; and 
 send the consumer approval data to the payment system. 
   
     
     
         2 . The merchant device of  claim 1 , wherein the processing circuitry is further configured to:
 receive a payment confirmation indicating payment of the total cost from a payment account associated with the consumer device; and   send a receipt indicating payment of the total cost to the consumer device.   
     
     
         3 . The merchant device of  claim 1 , wherein the processing circuitry is further configured to receive, from the payment system, consumer identifying data associated with the wallet identifying data. 
     
     
         4 . The merchant device of  claim 1 , wherein the processing circuitry is further configured to:
 receive product identifying data, wherein price data is associated with the product identifying data; and   determine the total cost based on the price data.   
     
     
         5 . The merchant device of  claim 1 , wherein the wallet identifying data is based at least partially on a random code generated by the payment system. 
     
     
         6 . The merchant device of  claim 1 , wherein the processing circuitry is further configured to receive image data representing a picture of a consumer associated with the consumer device. 
     
     
         7 . (canceled) 
     
     
         8 . The merchant device of  claim 6 , wherein the processing circuitry system is further configured to receive the image data prior to sending the total cost to the consumer device. 
     
     
         9 . (canceled) 
     
     
         10 . The merchant device of  claim 1 , wherein the wallet identifying data includes one or more tokens. 
     
     
         11 . The merchant device of  claim 1 , wherein the processing circuitry is further configured to establish a connection with the consumer device via a personal area network. 
     
     
         12 . The merchant device of  claim 11 , wherein the personal area network is configured to communicate via one or more Bluetooth protocols. 
     
     
         13 . The merchant device of  claim 11 , wherein the merchant device is further configured to wirelessly receive the consumer approval data secured with the wallet identifying data from the consumer device over the personal area network even when the merchant device lacks Internet access and is unable to connect to the payment system. 
     
     
         14 - 17 . (canceled) 
     
     
         18 . A machine-implemented method of receiving a payment, comprising:
 determining, by circuitry, a total cost associated with a payment transaction;   wirelessly sending, by the circuitry, the total cost to a consumer device;   wirelessly receiving, by the circuitry, consumer approval data from the consumer device, wherein the consumer approval data is secured with wallet identifying data;   sending, by the circuitry, the consumer approval data secured with the wallet identifying data to a payment system; and   receiving, by the circuitry, a payment confirmation indicating payment of the total cost from the payment system.   
     
     
         19 . The method of  claim 18  further comprising receiving, from the payment system, consumer identifying data associated with the wallet identifying data. 
     
     
         20 . The method of  claim 18  further comprising:
 receiving product identifying data associated with the consumer device, wherein price data is associated with the product identifying data; and 
 determining the total cost based on the price data. 
 
     
     
         21 . The method of  claim 18 , wherein the wallet identifying data is based at least partially on a random code generated by the payment system. 
     
     
         22 . The method of  claim 18 , wherein the consumer identifying data includes image data representing a picture of a consumer. 
     
     
         23 . (canceled) 
     
     
         24 . The method of  claim 18 , wherein the wallet identifying data includes one or more tokens. 
     
     
         25 . The method of  claim 18  further comprising establishing a connection with the consumer device via a personal area network. 
     
     
         26 . The method of  claim 25 , wherein the personal area network is configured to communicate via a Bluetooth protocol. 
     
     
         27 . The method of  claim 18  further comprising establishing a connection with the consumer device when the consumer device and the merchant device are separated by a predetermined distance. 
     
     
         28 . (canceled) 
     
     
         29 . (canceled) 
     
     
         30 . A machine-implemented method of facilitating a payment, comprising:
 sending, by circuitry, wallet identifying data to a consumer device;   receiving, by the circuitry, consumer approval data associated with a payment from a merchant device, wherein the consumer approval data is secured with wallet identifying data;   validating, by the circuitry, the consumer approval data received from the merchant device; and   processing, by the circuitry, the payment after validating the consumer approval data received from the merchant device.   
     
     
         31 . The method of  claim 30  further comprising:
 receiving consumer identifying data from the consumer device; 
 receiving payment account information from the consumer device; and 
 generating the wallet identifying data associated with the payment account information and the consumer identifying data. 
 
     
     
         32 . The method of  claim 31  further comprising sending the consumer identifying data to the merchant device after validating the wallet identifying data. 
     
     
         33 . The method of  claim 30  further comprising sending a payment confirmation indicating payment of the total cost to the merchant device after processing the payment. 
     
     
         34 . The method of  claim 30  further comprising sending a receipt indicating payment of the total cost to the consumer device after processing the payment. 
     
     
         35 . The method of  claim 30  further comprising:
 generating random code; and 
 generating the wallet identifying data based at least partially on the random code. 
 
     
     
         36 . A payment system comprising:
 a networked device comprising:
 communications circuitry configured to facilitate communications with a consumer device and a merchant device; and 
 processing circuitry configured to:
 send wallet identifying data to a consumer device; 
 receive consumer approval data associated with a payment from a merchant device, wherein the consumer approval data is secured with the wallet identifying data; 
 validate the consumer approval data received from the merchant device; and 
 process the payment after validating the consumer approval data received from the merchant device. 
 
   
     
     
         37 . The system of  claim 36 , wherein the processing circuitry is further configured to:
 receive consumer identifying data from the consumer device;   receive payment account information from the consumer device; and   generate the wallet identifying data associated with the payment account information and the consumer identifying data.   
     
     
         38 . The system of  claim 37 , wherein the processing circuitry is further configured to send the consumer identifying data to the merchant device after validating the wallet identifying data. 
     
     
         39 . (canceled) 
     
     
         40 . (canceled) 
     
     
         41 . The system of  claim 36 , wherein the processing circuitry is further configured to:
 generate random code; and   generate the wallet identifying data based at least partially on the random code.   
     
     
         42 . (canceled) 
     
     
         43 . (canceled) 
     
     
         44 . The merchant device of  claim 5 , wherein the consumer approval data is secured with the wallet identifying data by the consumer device. 
     
     
         45 . The method of  claim 21 , wherein the consumer approval data is secured with the wallet identifying data by the consumer device