Method for using barcodes and mobile devices to conduct payment transactions
First Claim
1. A method of conducting a payment transaction comprising:
- receiving a notification at a mobile device associated with a first recipient user from a central server, wherein the notification identifies that funds are available to be claimed from a second user operating a client computer, wherein the notification includes a claim code,wherein the central server generates the claim code in response to a transfer of funds from the client computer in a first electronic transmission;
accessing, by the mobile device, a website to provide the claim code to the central server;
upon providing the claim code to the website, capturing an image of a two-dimensional barcode on a physical payment token with a camera in the mobile device;
generating barcode data by the mobile device based on the captured image of the two-dimensional barcode; and
transmitting the barcode data to the central server in a second electronic transmission, wherein the barcode data is based on the captured image of the two-dimensional barcode,wherein the central server is programmed to initiate the payment transaction using the received claim code and the barcode data.
1 Assignment
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Accused Products
Abstract
Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.
449 Citations
20 Claims
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1. A method of conducting a payment transaction comprising:
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receiving a notification at a mobile device associated with a first recipient user from a central server, wherein the notification identifies that funds are available to be claimed from a second user operating a client computer, wherein the notification includes a claim code, wherein the central server generates the claim code in response to a transfer of funds from the client computer in a first electronic transmission; accessing, by the mobile device, a website to provide the claim code to the central server; upon providing the claim code to the website, capturing an image of a two-dimensional barcode on a physical payment token with a camera in the mobile device; generating barcode data by the mobile device based on the captured image of the two-dimensional barcode; and transmitting the barcode data to the central server in a second electronic transmission, wherein the barcode data is based on the captured image of the two-dimensional barcode, wherein the central server is programmed to initiate the payment transaction using the received claim code and the barcode data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method comprising:
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receiving, by a server computer, a first communication from a second user device operated by a second user to transfer funds in a payment transaction to a first recipient user; when the funds are available to be claimed from the second user, generating a claim code in response to the first communication from the second user device; transmitting, by the server computer, a notification comprising the claim code to a mobile device operated by the first recipient user; receiving the claim code at the server computer and from a first user device operated by the first recipient user, wherein the first user device accesses a website to provide the claim code to the server computer; receiving, by the server computer, barcode data captured by the mobile device operated by the first recipient user in a second electronic transmission, the barcode data generated by the mobile device after capturing an image of a two-dimensional bar code on a physical payment token; and initiating, by the server computer, the payment transaction. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A server computer comprising:
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a processor; and a computer readable medium, the computer readable medium comprising code, executable by the processor to implement a method comprising; receiving a first communication from a second user device operated by a second user to transfer funds in a payment transaction to a first recipient user; when the funds are available to be claimed from the second user, generating a claim code in response to the first communication from the second user device; transmitting a notification comprising the claim code to a mobile device operated by the first recipient user; receiving the claim code at the server computer and from a first user device operated by the first recipient user, wherein the first user device accesses a website to provide the claim code to the server computer; receiving barcode data captured by the mobile device operated by the first recipient user in a second electronic transmission, the barcode data generated by the mobile device after capturing an image of a two-dimensional bar code on a physical payment token; and initiating the payment transaction. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification