Digital Map with Integrated Toll Notifications and Account Recharge

Electronic toll booths that automatically debit toll charges from a prepaid account associated with a hardware tag are popular. However, having insufficient balance in the prepaid account can cause the user’s journey to be interrupted, as the user needs to recharge the account before crossing a toll booth. This disclosure describes techniques that enable the management of electronic toll accounts from within a digital map or navigation application and provide an easy process for payment. The techniques include real-time balance checks and predictive functionality based on the user’s location and route and can help ensure that users have sufficient funds to cover upcoming toll charges

Virtual QR Codes via Augmented Reality for Initiating Mobile Payments

To enable customers to initiate payment via a digital payment application requires businesses to display payment codes, e.g., quick response (QR) codes, prominently so that customers can scan the code to obtain merchant information. When printed QR codes are not available or are unreadable, initiating payment can require costly interaction between customer and merchant. This disclosure describes the use of augmented reality techniques to display virtual payment QR codes at any business location. The virtual QR code can be automatically generated based on a business registering with a payment platform. The virtual QR code is associated with the merchant and encodes payment information as well as other information for the business. To initiate payment, a customer can start their digital payment app and receive guidance towards the physical location of the virtual QR code. Upon scanning the virtual QR code, the customer can view information about the business and initiate payment

Location-based Automatic Payment Prompts for Merchant Payments

Initiating digital payment to a merchant via a payment app requires users to scan a code identifying the merchant’s payment identifier. Scanning QR codes requires explicit user action, and can be time-consuming, cumbersome, and error-prone, especially in busy stores. The absence of prominently displayed QR codes at some merchant establishments further complicates the process. This disclosure describes techniques that improve the process of initiating digital payments to a merchant. With user permission, location-based triggers are used to determine likely payment intent and automatically provide a suitable prompt to the user, thus eliminating the need for manual scan of QR codes. The merchant payment address can also be automatically identified, and multi-merchant payment prompts provided when appropriate