Method and system for presence based mobile payment

Abstract

A method for presence based mobile payment. The method includes registering, by a mobile payment service, a user based on a request for registration with a mobile payment service, wherein registering includes storing information items identifying the user. The method also includes receiving, from a point of sale system (PoS), an information item from the information items, and a payment authorization for a transaction. The information item is broadcast through an advertising channel by a mobile device to the PoS in accordance with a communication standard without pairing the PoS to the mobile device. The advertising channel is a channel of the communication standard and is used for identification of available nearby devices. The method also includes facilitating, based on the information item and by the mobile payment service, payment for the transaction from an electronic financial account of the user.

What is claimed is: 
     
         1 . A method for presence based mobile payment, comprising:
 registering, by a mobile payment service, a user based on a request for registration with a mobile payment service, wherein registering comprises storing a plurality of information items identifying the user;   receiving, from a point of sale system (PoS), an information item from the plurality of information items, and a payment authorization for a transaction,
 wherein the information item is broadcast through an advertising channel by a mobile device to the PoS in accordance with a communication standard without pairing the PoS to the mobile device, 
 wherein the advertising channel is a channel of the communication standard and is used for identification of available nearby devices; and 
   facilitating, based on the information item and by the mobile payment service, payment for the transaction from an electronic financial account of the user.   
     
     
         2 . The method of  claim 1 , wherein the payment authorization is sent by the mobile device to the mobile payment service without establishing a formal connection with the PoS. 
     
     
         3 . The method of  claim 2 , wherein the payment authorization comprises a bank account. 
     
     
         4 . The method of  claim 1 , wherein the user and the PoS are within a threshold distance. 
     
     
         5 . The method of  claim 1 , wherein the communication standard is a Bluetooth Low Energy format. 
     
     
         6 . The method of  claim 1 , wherein the information item changes responsive to the broadcast being sent out, to avoid fraud. 
     
     
         7 . The method of  claim 1 , wherein the mobile device is a smartphone. 
     
     
         8 . A non-transitory computer-readable medium (CRM) storing a plurality of instructions for presence based mobile payment, the plurality of instructions comprising functionality to:
 register, by a mobile payment service, a user based on a request for registration with a mobile payment service, wherein registering includes storing a plurality of information items identifying the user;   receive, from a point of sale system (PoS), an information item from the plurality of information items, and a payment authorization for a transaction,
 wherein the information item is broadcast through an advertising channel by a mobile device to the PoS in accordance with a communication standard without pairing the PoS to the mobile device, 
 wherein the advertising channel is a channel of the communication standard and is used for identification of available nearby devices; and 
   facilitate, based on the information item and by the mobile payment service, payment for the transaction from an electronic financial account of the user.   
     
     
         9 . The non-transitory CRM of  claim 8 , wherein the payment authorization is sent by the mobile device to the mobile payment service without establishing a formal connection with the PoS. 
     
     
         10 . The non-transitory CRM of  claim 9 , wherein the payment authorization comprises a bank account. 
     
     
         11 . The non-transitory CRM of  claim 8 , wherein the user and the PoS are within a threshold distance. 
     
     
         12 . The non-transitory CRM of  claim 8 , wherein the communication standard is a Bluetooth Low Energy format. 
     
     
         13 . The non-transitory CRM of  claim 8 , wherein the information item changes responsive to the broadcast being sent out, to avoid fraud. 
     
     
         14 . The non-transitory CRM of  claim 8 , wherein the mobile device is a smartphone. 
     
     
         15 . A system for presence based mobile payment, comprising:
 a mobile payment service executing on a computer processor and comprising functionality to:   register, by a mobile payment service, a user based on a request for registration with a mobile payment service, wherein registering includes storing a plurality of information items identifying the user;   receive, from a point of sale system (PoS), an information item from the plurality of information items, and a payment authorization for a transaction,
 wherein the information item is broadcast through an advertising channel by a mobile device to the PoS in accordance with a communication standard without pairing the PoS to the mobile device, 
 wherein the advertising channel is a channel of the communication standard and is used for identification of available nearby devices; and 
   facilitate, based on the information item and by the mobile payment service, payment for the transaction from an electronic financial account of the user.   
     
     
         16 . The system of  claim 15 , wherein the payment authorization is sent by the mobile device to the mobile payment service without establishing a formal connection with the PoS. 
     
     
         17 . The system of  claim 16 , wherein the payment authorization comprises a bank account. 
     
     
         18 . The system of  claim 15 , wherein the user and the PoS are within a threshold distance. 
     
     
         19 . The system of  claim 15 , wherein the communication standard is a Bluetooth Low Energy format. 
     
     
         20 . The system of  claim 15 , wherein the information item changes responsive to the broadcast being sent out, to avoid fraud.