SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS

• US 20120209749A1
• Filed: 02/16/2012
• Published: 08/16/2012
• Est. Priority Date: 02/16/2011
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman, Karpenko, Igor, Carlson, Mark, Gavrilov, Miroslav, Shrivastava, Abhinav
• Application Number:
  US13/398,817
• Publication Number:
  US 20120209749A1
• Time in Patent Office: Days
• US Class Current: 705/27.1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile 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 20/3674 involving authentication
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

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. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.

Claims

1. A snap payment computer-implemented method, comprising:

obtaining, at a user device, a user input to initiate a purchase transaction;

acquiring an image frame via an image acquisition device operatively connected to the user device;

identifying a payment code depicted within the acquired image frame;

generating, via the user device, a purchase transaction request using the identified payment code;

providing the purchase transaction request for payment processing; and

obtaining a purchase receipt for the purchase transaction.

2. The method of claim 1, further comprising:

providing an image of the payment code for purchase transaction processing.

3. The method of claim 1, further comprising:

acquiring video including the image frame via the image acquisition device operatively connected to the user device;

extracting the image frame from the acquired video; and

analyzing the image frame to determine whether the image frame includes the depicted payment code.

4. The method of claim 1, wherein the user device is a mobile device.

5. The method of claim 1, wherein the user input is a touchscreen gesture on a touchscreen operatively connected to the user device.

6. The method of claim 1, wherein the payment code is a one-dimensional barcode.

7. The method of claim 1, wherein the payment code is a two-dimensional barcode.

8. The method of claim 7, wherein the payment code is a Quick Response code.

9. The method of claim 1, further comprising:

extracting purchase session data from the payment code; and

wherein the purchase transaction request is generated, via the user device, using the extracted purchase session data.

10. The method of claim 9, wherein the purchase session data varies based on user shopping activity with a merchant.

11. The method of claim 10, wherein the merchant is an online merchant.

12. The method of claim 1, further comprising:

providing a portion of the acquired image frame including the depiction of the payment code to a server; and

obtaining purchase session data from the server in response to providing the portion of the acquired image frame.

13. The method of claim 9, wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.

14. The method of claim 12, wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.

15. The method of claim 13, wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.

16. The method of claim 14, wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.

17. The method of claim 1, further comprising:

obtaining, for payment processing, payment information associated with a virtual wallet account;

wherein the generated purchase transaction request includes the payment information associated with the virtual wallet account.

18. The method of claim 17, wherein the payment information includes a dynamically generated card verification value code.

19. The method of claim 18, further comprising:

providing a request for the dynamically generated card verification value code to a server; and

obtaining the dynamically generated card verification value code from the server in response to providing the request.

20. The method of claim 19, wherein the dynamically generated card verification value has an expiration time.

21. The method of claim 19, wherein the dynamically generated card verification value is specific to a user shopping session with a merchant.

22. The method of claim 1, wherein the payment code depicted within the acquired image frame is acquired from the display of a media device, and encodes data to purchase on-demand media content.

23. The method of claim 22, wherein the media device is a television.

24. The method of claim 23, wherein the television is part of an in-flight entertainment system.

25. The method of claim 22, wherein the media device is displaying a webpage.

26. A snap payment apparatus, comprising:

a processor; and

a memory disposed in communication with the processor and storing processor-executable instructions to;

obtain, at a user device, a user input to initiate a purchase transaction;

acquire an image frame via an image acquisition device operatively connected to the user device;

identify a payment code depicted within the acquired image frame;

generate, via the user device, a purchase transaction request using the identified payment code;

provide the purchase transaction request for payment processing; and

obtain a purchase receipt for the purchase transaction.

27. The apparatus of claim 26, the memory further storing instructions to:

provide an image of the payment code for purchase transaction processing.

28. The apparatus of claim 26, the memory further storing instructions to:

acquire video including the image frame via the image acquisition device operatively connected to the user device;

extract the image frame from the acquired video; and

analyze the image frame to determine whether the image frame includes the depicted payment code.

29. The apparatus of claim 26, wherein the user device is a mobile device.

30. The apparatus of claim 26, wherein the user input is a touchscreen gesture on a touchscreen operatively connected to the user device.

31. The apparatus of claim 26, wherein the payment code is a one-dimensional barcode.

32. The apparatus of claim 26, wherein the payment code is a two-dimensional barcode.

33. The apparatus of claim 32, wherein the payment code is a Quick Response code.

34. The apparatus of claim 26, the memory further storing instructions to:

extract purchase session data from the payment code; and

wherein the purchase transaction request is generated, via the user device, using the extracted purchase session data.

35. The apparatus of claim 34, wherein the purchase session data varies based on user shopping activity with a merchant.

36. The apparatus of claim 35, wherein the merchant is an online merchant.

37. The apparatus of claim 26, the memory further storing instructions to:

provide a portion of the acquired image frame including the depiction of the payment code to a server; and

obtain purchase session data from the server in response to providing the portion of the acquired image frame.

38. The apparatus of claim 34, wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.

39. The apparatus of claim 37, wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.

40. The apparatus of claim 38, wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.

41. The apparatus of claim 39, wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.

42. The apparatus of claim 26, the memory further storing instructions to:

obtain, for payment processing, payment information associated with a virtual wallet account;

wherein the generated purchase transaction request includes the payment information associated with the virtual wallet account.

43. The apparatus of claim 42, wherein the payment information includes a dynamically generated card verification value code.

44. The apparatus of claim 43, the memory further storing instructions to:

provide a request for the dynamically generated card verification value code to a server; and

obtain the dynamically generated card verification value code from the server in response to providing the request.

45. The apparatus of claim 44, wherein the dynamically generated card verification value has an expiration time.

46. The apparatus of claim 44, wherein the dynamically generated card verification value is specific to a user shopping session with a merchant.

47. The apparatus of claim 26, wherein the payment code depicted within the acquired image frame is acquired from the display of a media device, and encodes data to purchase on-demand media content.

48. The apparatus of claim 47, wherein the media device is a television.

49. The apparatus of claim 48, wherein the television is part of an in-flight entertainment system.

50. The apparatus of claim 47, wherein the media device is displaying a webpage.

51. A snap payment means, comprising:

means for obtaining, at a user device, a user input to initiate a purchase transaction;

means for acquiring an image frame via an image acquisition device operatively connected to the user device;

means for identifying a payment code depicted within the acquired image frame;

means for generating, via the user device, a purchase transaction request using the identified payment code;

means for providing the purchase transaction request for payment processing; and

means for obtaining a purchase receipt for the purchase transaction.

52. The means of claim 51, further comprising:

means for providing an image of the payment code for purchase transaction processing.

53. The means of claim 51, further comprising:

means for acquiring video including the image frame via the image acquisition device operatively connected to the user device;

means for extracting the image frame from the acquired video; and

means for analyzing the image frame to determine whether the image frame includes the depicted payment code.

54. The means of claim 51, wherein the user device is a mobile device.

55. The means of claim 51, wherein the user input is a touchscreen gesture on a touchscreen operatively connected to the user device.

56. The means of claim 51, wherein the payment code is a one-dimensional barcode.

57. The means of claim 51, wherein the payment code is a two-dimensional barcode.

58. The means of claim 57, wherein the payment code is a Quick Response code.

59. The means of claim 51, further comprising:

means for extracting purchase session data from the payment code; and

means for wherein the purchase transaction request is generated, via the user device, using the extracted purchase session data.

60. The means of claim 59, wherein the purchase session data varies based on user shopping activity with a merchant.

61. The means of claim 60, wherein the merchant is an online merchant.

62. The means of claim 61, further comprising:

means for providing a portion of the acquired image frame including the depiction of the payment code to a server; and

means for obtaining purchase session data from the server in response to providing the portion of the acquired image frame.

63. The means of claim 59, wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.

64. The means of claim 62, wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.

65. The means of claim 63, wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.

66. The means of claim 64, wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.

67. The means of claim 51, further comprising:

means for obtaining, for payment processing, payment information associated with a virtual wallet account;

wherein the generated purchase transaction request includes the payment information associated with the virtual wallet account.

68. The means of claim 67, wherein the payment information includes a dynamically generated card verification value code.

69. The means of claim 68, further comprising:

means for providing a request for the dynamically generated card verification value code to a server; and

means for obtaining the dynamically generated card verification value code from the server in response to providing the request.

70. The means of claim 69, wherein the dynamically generated card verification value has an expiration time.

71. The means of claim 69, wherein the dynamically generated card verification value is specific to a user shopping session with a merchant.

72. The means of claim 51, wherein the payment code depicted within the acquired image frame is acquired from the display of a media device, and encodes data to purchase on-demand media content.

73. The means of claim 72, wherein the media device is a television.

74. The means of claim 73, wherein the television is part of an in-flight entertainment system.

75. The means of claim 72, wherein the media device is displaying a webpage.

76. A computer-readable tangible medium storing computer-executable snap payment instructions to:

obtain, at a user device, a user input to initiate a purchase transaction;

acquire an image frame via an image acquisition device operatively connected to the user device;

identify a payment code depicted within the acquired image frame;

generate, via the user device, a purchase transaction request using the identified payment code;

provide the purchase transaction request for payment processing; and

obtain a purchase receipt for the purchase transaction.

77. The medium of claim 76, further storing instructions to:

provide an image of the payment code for purchase transaction processing.

78. The medium of claim 76, further storing instructions to:

acquire video including the image frame via the image acquisition device operatively connected to the user device;

extract the image frame from the acquired video; and

analyze the image frame to determine whether the image frame includes the depicted payment code.

79. The medium of claim 76, wherein the user device is a mobile device.

80. The medium of claim 76, wherein the user input is a touchscreen gesture on a touchscreen operatively connected to the user device.

81. The medium of claim 76, wherein the payment code is a one-dimensional barcode.

82. The medium of claim 76, wherein the payment code is a two-dimensional barcode.

83. The medium of claim 82, wherein the payment code is a Quick Response code.

84. The medium of claim 76, further storing instructions to:

extract purchase session data from the payment code; and

wherein the purchase transaction request is generated, via the user device, using the extracted purchase session data.

85. The medium of claim 84, wherein the purchase session data varies based on user shopping activity with a merchant.

86. The medium of claim 85, wherein the merchant is an online merchant.

87. The medium of claim 76, further storing instructions to:

provide a portion of the acquired image frame including the depiction of the payment code to a server; and

obtain purchase session data from the server in response to providing the portion of the acquired image frame.

88. The medium of claim 84, wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.

89. The medium of claim 87, wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.

90. The medium of claim 88, wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.

91. The medium of claim 89, wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.

92. The medium of claim 76, further storing instructions to:

obtain, for payment processing, payment information associated with a virtual wallet account;

wherein the generated purchase transaction request includes the payment information associated with the virtual wallet account.

93. The medium of claim 92, wherein the payment information includes a dynamically generated card verification value code.

94. The medium of claim 93, further storing instructions to:

provide a request for the dynamically generated card verification value code to a server; and

obtain the dynamically generated card verification value code from the server in response to providing the request.

95. The medium of claim 94, wherein the dynamically generated card verification value has an expiration time.

96. The medium of claim 94, wherein the dynamically generated card verification value is specific to a user shopping session with a merchant.

97. The medium of claim 76, wherein the payment code depicted within the acquired image frame is acquired from the display of a media device, and encodes data to purchase on-demand media content.

98. The medium of claim 97, wherein the media device is a television.

99. The medium of claim 98, wherein the television is part of an in-flight entertainment system.

100. The medium of claim 97, wherein the media device is displaying a webpage.