Automatic activation of mobile payment mechanisms based on identified mobile payment types accepted by a merchant

US9026460B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• David M. Grigg · Rock Hill, US
• Alicia C. Jones · Fort Mill, US
• Matthew A. Calman · Charlotte, US
• Susan Smith Thomas · Gastonia, US

Key dates

• Filing date: Jun 28, 2012
• Grant date: May 5, 2015
• Expiry date: Dec 18, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems, methods, and computer program products are provided for automatic activation of mobile payment mechanisms (e.g., software applications, devices/hardware and the like) on a mobile communication device in response to automated determination of the mobile payment types accepted by a merchant at which the user/consumer is located. As such, the present invention serves to automatically make the user/consumer aware of an option for mobile payment. In addition, the mobile payment transaction is made more efficient, in that, the user/consumer does not have to manually configure and/or activate the software or hardware associated with the mobile payment type.