Mobile barcode generation and payment
First Claim
Patent Images
1. 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;
receiving geo-location data from a mobile device of a user;
accessing, from a database, user data associated with the user;
determining, based on the geo-location data and the user data, a plurality of funding sources for the user;
determining, based on the geo-location data, a local offer;
generating a machine-readable code comprising funding data identifying the plurality of funding sources and the local offer;
communicating the machine-readable code to the mobile device;
receiving, from a merchant device, transaction data for a transaction, wherein the transaction data comprises the machine-readable code and item data directed to items associated with the transaction;
determining, from the funding data of the machine-readable code received from the merchant device, the plurality of funding sources and the local offer;
selecting, based on the geo-location data and the item data, one or more of the plurality of funding sources for use in the transaction;
determining, based on the item data, that the local offer can be applied to the transaction;
applying the local offer to the transaction; and
processing a payment for the transaction utilizing the selected one or more funding sources.
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Accused Products
Abstract
An application on user'"'"'s mobile device (having a display screen) generates a transaction-specific barcode on the display, where the barcode contains a plurality of funding sources for the transaction and/or merchant loyalty, reward, or membership numbers. The barcode can be scanned to make purchases at a point of sale (POS).
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Citations
20 Claims
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1. A system comprising:
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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; receiving geo-location data from a mobile device of a user; accessing, from a database, user data associated with the user; determining, based on the geo-location data and the user data, a plurality of funding sources for the user; determining, based on the geo-location data, a local offer; generating a machine-readable code comprising funding data identifying the plurality of funding sources and the local offer; communicating the machine-readable code to the mobile device; receiving, from a merchant device, transaction data for a transaction, wherein the transaction data comprises the machine-readable code and item data directed to items associated with the transaction; determining, from the funding data of the machine-readable code received from the merchant device, the plurality of funding sources and the local offer; selecting, based on the geo-location data and the item data, one or more of the plurality of funding sources for use in the transaction; determining, based on the item data, that the local offer can be applied to the transaction; applying the local offer to the transaction; and processing a payment for the transaction utilizing the selected one or more funding sources. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method of facilitating payment on a mobile device comprising:
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receiving, by a communication component, geo-location data from a mobile device of a user; accessing, by a processing component from a database, user data associated with the user; determining, by the processing component and based on the geo-location data and the user data, a plurality of funding sources for the user; determining, by the processing component based on the geo-location data, a local offer; generating, by the processing component, a machine-readable code comprising funding data identifying the plurality of funding sources and the local offer; transmitting, by the communication component, the machine-readable code to the mobile device; receiving, by the communication component, transaction data for a transaction from a merchant device, wherein the transaction data comprises the machine-readable code and item data directed to items associated with the transaction; determining, by the processing component and from the funding data of the machine-readable code received from the merchant device, the plurality of funding sources and the local offer; selecting, by the processing component and based on the geo-location data and the item data, one or more of the plurality of funding sources for use in the transaction; determining, by the processing component and based on the item data, the local offer can be applied to the transaction; applying, by the processing component, the local offer to the transaction; and processing, by the processing component, a payment for the transaction utilizing the selected one or more funding sources. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
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receiving geo-location data from a mobile device of a user; accessing, from a database, user data associated with the user; determining, based on the geo-location data and the user data, a plurality of funding sources for the user; determining, based on the geo-location data, a local offer; generating a machine-readable code comprising funding data identifying the plurality of funding sources and the local offer; communicating the machine-readable code to the mobile device; receiving, by a communication component from a merchant device, transaction data for a transaction, wherein the transaction data comprises the machine-readable code and item data directed to items associated with the transaction; determining, from the funding data of the machine-readable code received from the merchant device, the plurality of funding sources and the local offer; selecting, based on the geo-location data and the item data, one or more of the plurality of funding sources for use in the transaction; determining, based on to the item data, that the local offer can be applied to the transaction; applying the local offer to the transaction; and processing, a payment for the transaction utilizing the selected one or more funding sources. - View Dependent Claims (18, 19, 20)
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Specification