METHOD FOR USING BARCODES AND MOBILE DEVICES TO CONDUCT PAYMENT TRANSACTIONS

• US 20130048714A1
• Filed: 08/24/2012
• Published: 02/28/2013
• Est. Priority Date: 08/24/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Sharma, Pankaj, Singh, Shantnu, Modi, Vikram
• Granted Patent: US 9,165,294 B2
• Time in Patent Office: Days
• US Class Current: 235/379
• 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 20/346 Cards serving only as information carrier of service

Abstract

Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.

Claims

1. A method of conducting a payment transaction comprising:

capturing an image of a two-dimensional barcode on a physical payment token with a camera in a mobile device;

generating barcode data based on the captured image; and

transmitting the barcode data to a central server computer, wherein the central server computer initiates the payment transaction.

2. The method of claim 1 wherein the two-dimensional barcode encodes a primary account number.

3. The method of claim 2 wherein the primary account number is encrypted.

4. The method of claim 1 wherein the physical payment token is a card.

5. The method of claim 1 further comprising:

receiving account holder data from the central server computer, wherein the account holder data is associated with the barcode data; and

displaying the account holder data.

6. A mobile device comprising:

a processor;

a camera coupled to the processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor for implementing a method comprising;

capturing an image of a two-dimensional barcode on a physical payment token with the camera;

generating barcode data based on the captured image, and

transmitting the barcode data to a central server computer, wherein the central server computer initiates the payment transaction.

7. The mobile device of claim 6 wherein the two-dimensional barcode encodes a primary account number.

8. The mobile device of claim 7 wherein the primary account number is encrypted, and wherein the method further comprises code for decrypting the primary account number.

9. The mobile device of claim 6 further wherein the mobile device further comprises an antenna coupled to the processor.

10. The mobile device of claim 6 further comprising:

a display coupled to the processor.

11. A method of conducting a payment transaction comprising:

receiving barcode data at a central server computer, wherein an image of a two-dimensional barcode on a physical payment token is captured with a camera in a mobile device, and wherein the barcode data is based on the captured image; and

initiating a payment transaction by the central server computer with the barcode data.

12. The method of claim 11 wherein the two-dimensional barcode encodes a primary account number.

13. The method of claim 12 wherein the primary account number is encrypted.

14. The method of claim 11 wherein the physical payment token is a card.

15. The method of claim 11 further comprising:

transmitting a dynamic verification value to the mobile device after receiving the barcode data.

16. A server computer comprising:

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code, for executing a method comprising;

receiving barcode data, wherein an image of a two-dimensional barcode on a physical payment token is captured with a camera in a mobile device, and wherein the barcode data is based on the captured image; and

initiating a payment transaction with the barcode data.

17. The server computer of claim 16 wherein the two-dimensional barcode encodes a primary account number.

18. The server computer of claim 17 wherein the primary account number is encrypted.

19. The server computer of claim 17 wherein the barcode data comprises image data of the two-dimensional barcode.

20. The server computer of claim 16 wherein the physical payment token is a payment card.