Automatic synchronization of a device for transaction processing based on geo-fenced locations

Abstract

There are provided systems and methods for automatic synchronization of a device for transaction processing based on geo-fenced locations. A merchant may geo-fence an area corresponding to the merchant's location where a user may visit to purchase an item. The merchant may provide multiple transaction processing and payment options at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through the geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.

1 . (canceled) 
     
     
         2 . A system comprising:
 a non-transitory memory; and   one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
 determining that a user is located in a geo-fenced area based on user data for the user; 
 identifying a merchant associated with the geo-fenced area based on merchant data for the merchant; 
 determining a payment acceptance mechanism utilized by a merchant device of the merchant for wirelessly communicating with a communication device of the user based on the merchant data; 
 generating application data for an application on the communication device based on the payment acceptance mechanism, wherein the application data comprises a digital token associated with a payment instrument of the user and configuration data that enables an output component of the communication device to be configured for wirelessly communicating with the merchant device using the payment acceptance mechanism; 
 configuring an executable process in the application based on the configuration data, wherein the executable process is usable to process a transaction with the merchant device in association with the geo-fenced area; and 
 processing the transaction between the user and the merchant using the executable process and the payment acceptance mechanism. 
   
     
     
         3 . The system of  claim 2 , wherein the operations further comprise:
 determining that the user is permitted to conduct the transaction using the communication device in the geo-fenced area based at least on a past transaction by the user at a past transaction location,   wherein the processing the transaction is based on the determining that the user is permitted to conduct the transaction.   
     
     
         4 . The system of  claim 2 , wherein the geo-fenced area comprises one of a plurality of geo-fenced areas for the merchant corresponding to different items available from the merchant, and wherein the determining that the user is located in the geo-fenced area comprises detecting a wireless connection between the user device and a wireless transceiver associated with the geo-fenced area from a plurality of wireless transceivers associated with the plurality of geo-fenced areas. 
     
     
         5 . The system of  claim 2 , wherein, prior to the processing the transaction, the operations further comprise:
 populating one or more fields in the application on the communication device with at least a portion of the merchant data, wherein the populated one or more fields enable a use of the payment acceptance mechanism with the merchant device via the executable process.   
     
     
         6 . The system of  claim 2 , wherein the at least the portion of the merchant data populated in the one or more fields comprises at least one of a merchant account identifier for the merchant, a user account identifier for a user account of the user, or payment authorization data for a payment made via the user account using the digital token, and wherein the payment acceptance mechanism utilizes one of a displayable code comprising encoded data for the payment token or a wireless communication mechanism for the payment token. 
     
     
         7 . The system of  claim 2 , wherein the first payment acceptance mechanism comprises one of a displayable code comprising encoded data for a payment token of the user or a wireless token communication mechanism for the payment token. 
     
     
         8 . The system of  claim 2 , wherein the application is associated with an online payment processor corresponding to the system that provides payment services to the user through a payment account of the user, and wherein the processing the transaction comprises issuing a payment to a merchant account of the merchant from the payment account of the user using the online payment processor. 
     
     
         9 . The system of  claim 2 , wherein the operations further comprise:
 determining an offer associated with the geo-fenced area or the merchant; and   providing the offer to the user device via the executable process.   
     
     
         10 . A method comprising:
 detecting an entry of a user device of a user into a geo-fenced area of a merchant;   determining a merchant associated with the geo-fenced area and a merchant device of the merchant that is usable to interact with the user device in the geo-fenced area;   determining a plurality of payment acceptance mechanisms available via a mobile application executing on the user device for use with the merchant device;   determining one of the plurality of payment acceptance mechanisms usable between the user device and the merchant device;   generating a digital token for a payment instrument of the user and configuration data that configures the mobile device to interact with the merchant device wirelessly in the geo-fenced area to exchange the digital token for a payment authorization of a transaction between the user and the merchant;   configuring the mobile application using the configuration data, wherein the configuring provides the digital token to the mobile application and automatically populates one or more fields with merchant information for the merchant; and   processing the transaction using the mobile application and the one of the plurality of payment acceptance mechanisms.   
     
     
         11 . The method of  claim 10 , wherein, prior to the processing the transaction, the method further comprises:
 determining whether the user is authorized to process the transaction.   
     
     
         12 . The method of  claim 10 , wherein the configuration data comprises user account data for the one or more fields, and wherein the user account data includes user information for the transaction and an identification of the payment instrument for the digital token. 
     
     
         13 . The method of  claim 10 , wherein the plurality of payment acceptance mechanisms include at least one of a scannable code for the digital token or a wireless token transmission of the digital token. 
     
     
         14 . The method of  claim 10 , wherein, prior to the processing the transaction, the method further comprises:
 providing an offer associated with the transaction in the mobile application.   
     
     
         15 . The method of  claim 14 , wherein the offer includes a discount for an item purchase in the transaction while the user is in the geo-fenced area. 
     
     
         16 . The method of  claim 10 , wherein, prior to the processing the transaction, the method further comprises:
 providing merchant information for the merchant in the mobile application to the user.   
     
     
         17 . The method of  claim 10 , wherein the geo-fenced area includes a plurality of merchants, and wherein the merchant is determined from the plurality of merchants based on a past interaction by the user with the merchant. 
     
     
         18 . A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
 determining that a user is located in a geo-fenced area associated with a merchant based on user data for the user and merchant data for the merchant;   determining a payment acceptance mechanism utilized by a merchant device of the merchant for wirelessly communicating with a communication device of the user based on the merchant data;   generating application data for an application on the communication device based on the payment acceptance mechanism, wherein the application data comprises a digital token associated with a payment instrument of the user and configuration data that enables an output component of the communication device to be configured for wirelessly communicating with the merchant device using the payment acceptance mechanism; and   configuring an executable process in the application based on the configuration data, wherein the executable process is usable to process a transaction with the merchant device in association with the geo-fenced area.   
     
     
         19 . The non-transitory machine-readable medium of  claim 18 , wherein the operations further comprise:
 determining that the user is permitted to conduct the transaction using the communication device in the geo-fenced area based at least on a past transaction by the user at a past transaction location,   wherein the determining the payment acceptance mechanism is performed responsive to the determining that the user is permitted to conduct the transaction. (New) The non-transitory machine-readable medium of  claim 18 , wherein the geo-fenced area comprises one of a plurality of geo-fenced areas for the merchant corresponding to different items available from the merchant, and wherein the determining that the user is located in the geo-fenced area comprises detecting a wireless connection between the user device and a wireless transceiver associated with the geo-fenced area from a plurality of wireless transceivers associated with the plurality of geo-fenced areas.   
     
     
         21 . The non-transitory machine-readable medium of  claim 18 , wherein, prior to the processing the transaction, the operations further comprise:
 populating one or more fields in the application on the communication device with at least a portion of the merchant data, wherein the populated one or more fields enable a use of the payment acceptance mechanism with the merchant device via the executable process; and   processing the transaction between the user and the merchant using the executable process and the payment acceptance mechanism based on the one or more fields.