MOBILE BARCODE GENERATION AND PAYMENT

• US 20120185317A1
• Filed: 03/29/2012
• Published: 07/19/2012
• Est. Priority Date: 12/02/2008
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Wong, Catherine A.
• Granted Patent: US 8,600,883 B2
• Time in Patent Office: Days
• US Class Current: 705/14.23
• CPC Class Codes: G06Q 20/22 Payment schemes or models
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

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).

Claims

1. A system comprising:

a memory storing account information for a plurality of users, wherein the account information comprises a user identifier, user funding sources, and barcode information for a barcode generated for a specific transaction;

a processor operable to;

receive an indication of a desire by a user to make a payment;

access, by a payment provider, an account of the user with the payment provider;

generate, by the payment provider, a barcode for use for the payment, wherein the barcode comprises information for a plurality of funding sources for use for the payment;

communicate the barcode to a user device;

receive information contained in the barcode from the barcode being scanned on the user device; and

process the payment based, at least in part, on the received information.

2. The system of claim 1, wherein the account information further comprises loyalty, reward, and/or membership information for one or more merchants.

3. The system of claim 2, wherein the barcode comprises information for one or more loyalty, reward, and/or membership numbers for a merchant receiving the payment.

4. The system of claim 1, wherein the barcode is scanned by a smart phone or computing tablet.

5. The system of claim 1, wherein the processor is further configured to receive a selection from the user of offers to be accepted for possible use with the payment.

6. The system of claim 5, wherein the offers are selected from offers presented to the user on the user device.

7. The system of claim 1, wherein the plurality of funding sources is selected from the all available funding sources.

8. The system of claim 1, wherein the indication comprises login information.

9. The system of claim 1, wherein the indication comprises transaction information for the payment.

10. The system of claim 1, wherein the barcode is valid only for the payment.

11. The system of claim 1, wherein the barcode has conditions for use predetermined by the user.

12. The system of claim 1, wherein the processor is further configured to generate a barcode receipt for the payment.

13. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:

receiving an indication of a desire by a user to make a payment;

accessing, by a payment provider, an account of the user with the payment provider;

generating, by the payment provider, a barcode for use for the payment, wherein the barcode comprises information for a plurality of funding sources for use for the payment;

communicating the barcode to a user device;

receiving information contained in the barcode from the barcode being scanned on the user device; and

processing the payment based, at least in part, on the received information.

14. The non-transitory machine-readable medium of claim 13, wherein the account information further comprises loyalty, reward, and/or membership information for one or more merchants.

15. The non-transitory machine-readable medium of claim 14, wherein the barcode comprises information for one or more loyalty, reward, and/or membership numbers for a merchant receiving the payment.

16. The non-transitory machine-readable medium of claim 13, wherein the barcode is scanned by a smart phone or computing tablet.

17. The non-transitory machine-readable medium of claim 13, wherein the method further comprises receiving a selection from the user of offers to be accepted for possible use with the payment.

18. The non-transitory machine-readable medium of claim 17, wherein the offers are selected from offers presented to the user on the user device.

19. The non-transitory machine-readable medium of claim 13, wherein the plurality of funding sources is selected from the all available funding sources.

20. The non-transitory machine-readable medium of claim 13, wherein the method further comprises generating a barcode receipt for the payment.

21. A mobile communication device for performing a financial transaction, comprising:

an antenna configured to communicate with a service provider;

a processor configured to display a barcode generated by the service provider, wherein the barcode comprises at least one of a plurality of funding sources or a loyalty, reward, or membership number for a specific merchant;

a memory to store information about the financial transaction; and

a display to display the barcode and allow the barcode to be scanned for transferring funds in the financial transaction.