Snap mobile payment apparatuses, methods and systems
First Claim
Patent Images
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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Accused Products
Abstract
The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS (“SNAP”) transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. Payment information and VAS data can also be provided based on location. A request for payment information can be received. A location can be determined, and a merchant associated with the location can also be determined. Payment information and/or VAS data can be selected based on the merchant and/or location, and can be provided for a payment transaction.
1338 Citations
21 Claims
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1. A snap payment processor-implemented method, comprising:
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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; andproviding, 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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2. A snap payment computer-implemented method, comprising:
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obtaining, by a processor executing a digital wallet application at a user device, a user input to initiate a purchase transaction on the user device; acquiring, by a digital camera of the user device via the processor executing the digital wallet application at the user device, objects within an image frame operatively connected to the user device; determining, by the processor of the user device, a location of a consumer, the location information comprising at least geographical information and local proximity information; 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 executing at the user device and the non-payment identifier based on the location information; identifying, via the processor executing the wallet application at the user device, a payment code depicted within the acquired image frame; generating, via the processor executing the digital wallet application, a Quick Response (“
QR”
) code representing the objects based on the payment identifier and the at least one non-payment identifier; andproviding, via the processor executing the digital wallet application, the QR code to a point of sale terminal for payment processing by the payment processing network connected to the user device; generating, via the processor executing the wallet application at the user device, a purchase transaction request using the QR code; providing, via the processor executing the wallet application, the purchase transaction request for payment processing from the user device to a payment processing network; and obtaining, via the processor executing the wallet application, a purchase receipt from the payment processing network for the purchase transaction; wherein a portion of the acquired image frame including the depiction of the payment code is provided, via the processor, to a server; 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 value added service data, loyalty points, and a coupon associated with the purchase transaction; and wherein purchase session data is obtained from the server, via the processor, in response to providing the portion of the acquired image frame. - View Dependent Claims (3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A snap payment apparatus, comprising:
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a processor of a user device executing a digital wallet application from a memory of the user device, the memory disposed in communication with the processor, the digital wallet application including processor-executable instructions to; obtain, by the processor executing a digital wallet application at the user device, a user input to initiate a purchase transaction on the user device; acquire, by a digital camera of the user device via the processor executing the digital wallet application at the user device, objects within an image frame operatively connected to the user device; determine, by the processor of the user device, a location of a consumer, the location information comprising at least geographical information and local proximity information; determine, 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 select, via the processor executing the digital wallet application, a payment identifier from the digital wallet application executing at the user device and the non-payment identifier based on the location information; identify, via the processor executing the wallet application at the user device, a payment code depicted within the acquired image frame; generate, via the processor executing the digital wallet application, a Quick Response (“
QR”
) code representing the objects based on the payment identifier and the at least one non-payment identifier; andprovide, via the processor executing the digital wallet application, the QR code to a point of sale terminal for payment processing by the payment processing network connected to the user device; generate, via the processor executing the wallet application at the user device, a purchase transaction request using the QR code; provide, via the processor executing the wallet application, the purchase transaction request for payment processing from the user device to a payment processing network; and obtain, via the processor executing the wallet application, a purchase receipt from the payment processing network for the purchase transaction; wherein purchase session data is obtained from a server, via the processor, in response to providing the portion of the acquired image frame; wherein a portion of the acquired image frame including the depiction of the payment code is provided to the server; 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 value added service data, loyalty points, and a coupon associated with the purchase transaction; and wherein purchase session data is obtained from the server in response to providing the portion of the acquired image frame. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21)
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Specification