Paypal, Inc.

Michelle Serrano

Michael S Hwang

Megan Marie Williams

Egan Schulz

Libo Su

Michael Charles Todasco

Paul Wotel

Chetan Sukthanker

April Van Scherpe

A wearable device is used to authenticate a user into a user account at a user device of the user. In particular, the wearable device may include a sensor configured to detect whether the wearable device is worn by or is with the user. If so, the wearable device may send a signal to the user device and the user device may authenticate the user based on the signal received from the wearable device. For example, when the sensor detects that the wearable device is worn by the user, the wearable device may send a unique signal periodically, such as every five seconds or every 10 seconds. Based on whether the unique signal from the wearable device is received, the user device may authenticate the user.

Wearable device with user authentication interface

There are provided systems and methods for wireless beacon devices for use in managing transportation service terminals. A user may travel with a device, such as a communication device, that includes a communication module that may utilize specialized hardware features to establish short range wireless communications with nearby wireless beacons. The wireless beacons may be established at or nearby transportation service terminals, such as bus/train stops. The beacon may provide the aforementioned communication services with the communication device and be utilized to determine whether the user will utilize a transportation service for the terminal. If the user wishes to utilize the transportation service, a transportation service may be alerted. The user may also be alerted of an expected time of arrival for the transportation service, other transportation services available at the transportation terminal, and/or of nearby transportation terminals.

Wireless beacon devices for use in managing transportation service terminals

There are provided systems and method for targeted assistance on user check-in. A service location may provide beacons at or near the location to determine if a user approaching or at the service location has any experience with the service location. For example, a merchant may place a beacon at the entrance to a store to determine if a user has shopped at the store. Thus, when a user is in proximity to the beacon, a user device of the user and the beacon may establish a check-in. Through a user identifier communicated to the beacon, the service provider at the location may determine a user history, such as a number of visits by the user to the service location. The service location may then provide targeted assistance, such as information, personal help, item searches, etc., based on the user's history with the merchant.

Systems and methods for targeted assistance on user check-in

Systems and methods for transmitting beacon messages are described. A beacon message is transmitted from a first beacon device and broadcast to an area within a transmission range of the first beacon device. A mobile device receives and stores the message. When the mobile device is out of the range of the first beacon device and within the range of a second beacon device, the message is transmitted to the second beacon device and broadcast by the second beacon device.

Beacon content propagation

Embodiments relate to methods and systems for providing specific GUIs based on real-time data and projected data, such as for management of financial resources in view of future resource forecasts. In an embodiment, a method comprises receiving, electronically by a processor, user data comprising financial source data, income data and expenses data. The method also comprises determining, electronically by the processor, spendable resources based on the received user data. The method also comprises receiving, electronically by the processor, user inputs via an interactive interface of a user device comprising desired expense information. The method further comprises determining, electronically by the processor, an impact of the desired expense information on the spendable resources. And the method also comprises causing to be displayed, electronically by the processor, content associated with the impact on the user device.

Future resource forecast

Systems and methods are provided according to one or more embodiments for conducting transactions based on actions or gestures such as physical interactions between users each having a user device. In that regard, gestures such as a handshake or other physical interactions between users may be detected to determine transaction details such as a payment amount or a value to be transferred from one user via a user device to a recipient via a recipient device. The amount or value may then be transferred based on one or more determinations including proximity between the user or the user device and the recipient or the recipient device, a specific action or gesture, voice commands, facial recognition, preset transfer instructions, a unique identifier, or other close-quarter determinations.

Physical interaction dependent transactions

Methods and systems for facilitating electronic transactions on a user device are described. User-friendly graphical user interfaces (GUIs) are provided with minimal text and more pictures and images. The GUIs detect or receive various gesture inputs, such as swiping, tapping, and dragging and dropping, and display a corresponding screen or page. The gesture inputs allow a user to select or specify payers/payees, transaction amounts, and funding sources, without having to type numbers or letters.

Growing community of inventors

San Jose, CA, United States of America

Michelle Serrano