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Snap mobile payment apparatuses, methods and systems

  • US 10,586,227 B2
  • Filed: 04/28/2015
  • Issued: 03/10/2020
  • Est. Priority Date: 02/16/2011
  • Status: Active Grant
First Claim
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1. A snap payment processor-implemented method, comprising:

  • determining, by a processor executing a digital wallet application at a user mobile computing device, a location information of the user device indicative of a consumer location, said location information comprising at least geographical information and local proximity information;

    providing, by a digital camera of the user device to the digital wallet application executing at the user device, product information for a purchase transaction;

    determining, based on the location information, a merchant for the purchase transaction and a non-payment identifier for the merchant, the non-payment identifier including one or more of data for a loyalty card for the merchant or data for a coupon code for the merchant;

    automatically selecting, via the processor executing the digital wallet application, a payment identifier from the digital wallet application and the non-payment identifier for the merchant based on the location information;

    generating, via the processor executing the digital wallet application, a Quick Response (“

    QR”

    ) code based on the payment identifier and the non-payment identifier, wherein the QR code comprises a purchase transaction request for the purchase transaction; and

    providing, via the processor executing the digital wallet application, the QR code to a point of sale terminal for payment processing by a payment processing network connected to the user device for the purchase transaction;

    wherein the payment identifier includes a personal account number corresponding to a credit card account and the non-payment identifier includes one or more of data for the loyalty card for the merchant or data for the coupon code for the merchant for the purchase transaction.

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