ANIMATED TWO-DIMENSIONAL BARCODE CHECKS

• US 20120330845A1
• Filed: 06/24/2011
• Published: 12/27/2012
• Est. Priority Date: 06/24/2011
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Kang, Kenneth
• Granted Patent: US 9,721,237 B2
• Time in Patent Office: Days
• US Class Current: 705/71
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Systems and methods are disclosed to provide an animated 2D barcode check that is used to securely and efficiently transmit financial information between mobile devices. The financial information includes a check written by a payer and transmitted to a merchant. The check includes account information of the payer and of the merchant with a payment service provider, a payment amount, and a cryptographic signature that has been certified by the payment service provider. The payer'"'"'s mobile device encodes the check into a sequence of 2D barcodes and displays the sequence of 2D barcodes in a loop that is scanned by a camera on the merchant'"'"'s mobile device. The merchant uses the cryptographic signature to verify the validity of the signature on the check without having Internet connectivity to the payment service provider. The merchant may later present the check to the payment service provider to receive payment.

Claims

1. A method of communicating data, comprising:

encoding the data into a plurality of two-dimensional (2D) barcodes, wherein each of the 2D barcodes is encoded with a partial amount of the data and a sequential identifier; and

displaying the plurality of 2D barcodes sequentially in a continuous loop on a user device.

2. The method of claim 1, wherein the encoding comprises:

dividing the data into a plurality of data segments, wherein each of the data segments has a maximum segment size;

attaching the sequential identifier to each of the data segments, wherein the sequential identifier comprises a segment number for each of the data segments and a total number of the data segments; and

encoding each of the data segments into each of the 2D barcodes.

3. The method of claim 2, wherein the maximum segment size is adjustable.

4. The method of claim 1, wherein the displaying comprises displaying each of the 2D barcodes for a time interval that is adjustable.

5. The method of claim 1, wherein the data comprises:

a certified public key; and

payment information for a payment instrument.

6. The method of claim 5, wherein the certified public key comprises one or more capability notations, wherein the one or more capability notations contain restrictions on use of the certified public key.

7. A method of communication data, comprising:

scanning a plurality of two-dimensional (2D) barcodes displayed in a continuous loop on a display device to generate a plurality of scanned frames on a user device, wherein each of the 2D barcodes is encoded with a partial amount of the data and a sequential identifier; and

decoding the plurality of scanned frames to reconstruct the data.

8. The method of claim 7, wherein the scanning comprises:

start scanning from any 2D barcode of the plurality of 2D barcodes;

determining from the scanned frames if all of the 2D barcodes have been scanned;

scanning another 2D barcode of the plurality of 2D barcodes if all of the 2D barcodes have not been scanned; and

repeating the determining and the scanning until all of the 2D barcodes have been scanned.

9. The method of claim 8, wherein the determining comprises decoding the sequential identifier of each of the scanned frames, wherein the sequential identifier comprises a frame number associated with the scanned frame and a total number of frames of the 2D barcodes.

10. The method of claim 7, wherein the decoding comprises using the sequential identifier of each of the scanned frames to reconstruct the data from the plurality of scanned frames.

11. The method of claim 7, wherein the data comprises:

a certified public key; and

payment information for a payment instrument.

12. The method of claim 11, further comprising:

downloading a certificate revocation list (CRL) from a payment service provider into the user device, wherein the CRL lists one or more revoked keys; and

verifying the payment instrument using the certified public key and the CRL.

13. The method of claim 12, wherein the verifying comprises:

comparing the certified public key against the one or more revoked keys on the CRL; and

rejecting the payment instrument if the certified public key matches with one of the revoked keys on the CRL.

14. The method of claim 12, further comprising:

determining if the CRL is out of date; and

updating the CRL from the payment service provider if the CRL is out of date.

15. The method of claim 12, wherein the certified public key comprises one or more capability notations that contain restrictions on use of the certified public key, and wherein the verifying comprises validating the payment instrument using the capability notations.

16. The method of claim 12, wherein the verifying is performed offline without accessing the payment service provider.

17. The method of claim 12, further comprising presenting the payment instrument to the payment service provider for payment.

18. A method of conducting a financial transaction, comprising:

certifying a public key;

receiving a payment instrument, wherein the payment instrument comprises the certified public key and information on a payer and information on a payee, and wherein the payment instrument comprises data decoded from a plurality of two-dimensional barcodes;

verifying the certified public key; and

transferring funds from an account of the payer to an account of the payee.

19. The method of claim 18, further comprising maintaining a certificate revocation list (CRL), wherein the CRL lists one or more revoked keys, and wherein the verifying comprises:

comparing the certified public key against the one or more revoked keys on the CRL; and

rejecting the payment instrument if the certified public key matches with one of the revoked keys on the CRL.

20. A non-transitory computer readable medium having computer readable code adapted to instruct a processor of a user device to perform a method of communicating data, the method comprising:

encoding the data into a plurality of two-dimensional (2D) barcodes, wherein each of the 2D barcodes is encoded with a partial amount of the data and a sequential identifier; and

displaying the plurality of 2D barcodes sequentially in a continuous loop on the user device.

21. A apparatus for communicating data, the apparatus comprising:

a processor;

a camera adapted to scan a plurality of two-dimensional (2D) barcodes displayed in a continuous loop on a display device to generate a plurality of scanned frames, wherein each of the 2D barcodes is encoded with a partial amount of the data; and

a non-transitory computer readable medium having computer readable code adapted to instruct the processor to perform a method, the method comprising;

decoding the plurality of scanned frames to reconstruct the data.