Method for using barcodes and mobile devices to conduct payment transactions
First Claim
1. A method comprising:
- capturing, by a mobile device, an image of a two-dimensional barcode on a physical payment token with a camera in the mobile device in a transaction;
generating, by the mobile device, barcode data from the image of the two-dimensional barcode; and
transmitting, by the mobile device, the barcode data to a server computer, wherein the server computer generates and transmits an original credit transaction message to a first issuer computer to credit a first account for the transaction, and wherein the server computer generates and transmits an account funding transaction message to a second issuer computer to debit a second account for the transaction.
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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.
429 Citations
20 Claims
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1. A method comprising:
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capturing, by a mobile device, an image of a two-dimensional barcode on a physical payment token with a camera in the mobile device in a transaction; generating, by the mobile device, barcode data from the image of the two-dimensional barcode; and transmitting, by the mobile device, the barcode data to a server computer, wherein the server computer generates and transmits an original credit transaction message to a first issuer computer to credit a first account for the transaction, and wherein the server computer generates and transmits an account funding transaction message to a second issuer computer to debit a second account for the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A mobile device comprising:
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a processor; a camera coupled to the processor; and a non-transitory computer readable medium comprising code, executable by the processor to implement a method comprising; capturing an image of a two-dimensional barcode on a physical payment token with the camera in the mobile device in a transaction; generating barcode data from the image of the two-dimensional barcode; and transmitting the barcode data to a server computer, wherein the server computer generates and transmits an original credit transaction message to a first issuer computer to credit a first account for the transaction, and wherein the server computer generates and transmits an account funding transaction message to a second issuer computer to debit a second account for the transaction. - View Dependent Claims (9, 10, 11, 12)
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13. A method comprising:
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receiving, by a server computer, from a mobile device, barcode data, wherein the barcode data was generated by the mobile device after the mobile device captures an image of a two-dimensional barcode on a physical payment device; generating and transmitting, by the server computer, an original credit transaction message to a first issuer computer to credit a first account for a transaction; and generating and transmitting, by the server computer, an account funding transaction message to a second issuer computer to debit a second account for the transaction. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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Specification