SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTIONS

• US 20120203605A1
• Filed: 02/10/2011
• Published: 08/09/2012
• Est. Priority Date: 02/09/2011
• Status: Abandoned Application

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Morgan, Robert E., Seth, Hitesh
• Application Number:
  US13/024,877
• Publication Number:
  US 20120203605A1
• Time in Patent Office: Days
• US Class Current: 705/14.17
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G06Q 50/01 Social networking
• CPC Class Codes: H04L 2463/082 applying multi-factor authentication cryptographic mechanisms or cryptographic arrangements including means for verifying the identity or authority of a user of the system or for message authentication H04L9/32
• CPC Class Codes: H04L 61/457 containing identifiers of data entities on a computer, e.g. file names
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications

Abstract

A system for secure transactions receives an authorization request from a mobile device, the mobile device having received the authorization request by scanning a QR code and/or other encoded data. The system processes the authorization request using one or more transaction accounts that are paired to the mobile device, and transmits a response indicating approval or denial of the authorization request.

Claims

1. A method comprising:

receiving, by a computer-based system for secure transactions, an authorization request related to a transaction from a mobile device, wherein the authorization request includes data that is based upon a quick response (QR) code, and wherein the mobile device acquires the QR code;

authorizing, by the computer-based system, the authorization request based upon a transaction account that is paired to the mobile device; and

applying, by the computer-based system, a promotion to the transaction.

2. The method of claim 1, further comprising retrieving, by the computer-based system, the promotion from a database containing proprietary data.

3. The method of claim 1, further comprising retrieving, by the computer-based system, the promotion from a third party.

4. The method of claim 3, wherein the third party is registered to offer promotions through the computer-based system, and wherein the computer-based system matches a promotion offered by the registered third party with a transaction account holder.

5. The method of claim 1, wherein the promotion is based upon at least one of:

a type of the transaction account and a status of the transaction account.

6. The method of claim 1, wherein the offer is associated exclusively with customers of a payment processor.

7. The method of claim 1, further comprising receiving, by the computer-based system, a response to the promotion.

8. The method of claim 1, further comprising authorizing, by the computer-based system, the authorization request based on the promotion.

9. The method of claim 1, further comprising applying, by the computer-based system, the promotion at a point of sale (POS) device.

10. The method of claim 1, further comprising applying, by the computer-based system, the promotion on a billing statement.

11. The method of claim 1, wherein applying the promotion comprises applying loyalty points to the transaction.

12. The method of claim 10, wherein the loyalty points have monetary value.

13. The method of claim 1, further comprising crediting loyalty points to a transaction account based upon an authorized transaction.

14. The method of claim 1, further comprising transmitting, by the computer-based system, an authorization response to the mobile device.

15. The method of claim 1, further comprising transmitting, by the computer-based system, an authorization response to an email address associated with a user of the mobile device.

16. The method of claim 1, further comprising saving, by the computer-based system, a digital receipt of a transaction associated with the authorization request.

17. The method of claim 1, wherein the mobile device acquires the QR code by scanning a display of the QR code.

18. The method of claim 17, wherein the QR code is displayed on a point of sale (POS) device.

19. An article of manufacture including a non-transitory, tangible computer readable medium having instructions stored thereon that, in response to execution by a computer-based system for secure transactions, cause the computer-based system to perform operations comprising:

receiving, by the computer-based system, an authorization request related to a transaction from a mobile device, wherein the authorization request includes data that is based upon a quick response (QR) code, and wherein the mobile device acquires the QR code;

authorizing, by the computer-based system, the authorization request based upon a transaction account that is paired to the mobile device; and

applying, by the computer-based system, a promotion to the transaction.

20. A system comprising:

a tangible, non-transitory memory communicating with a processor for secure transactions,

the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising;

receiving, by the processor, an authorization request related to a transaction from a mobile device, wherein the authorization request includes data that is based upon a quick response (QR) code, and wherein the mobile device acquires the QR code;

authorizing, by the processor, the authorization request based upon a transaction account that is paired to the mobile device; and

applying, by the processor, a promotion to the transaction.