Systems and Methods for Facilitating Point of Sale Transactions

• US 20130097034A1
• Filed: 10/12/2012
• Published: 04/18/2013
• Est. Priority Date: 10/12/2011
• Status: Abandoned Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Royyuru, Vijay Kumar, Morea, Dominic John
• Application Number:
  US13/650,671
• Publication Number:
  US 20130097034A1
• Time in Patent Office: Days
• US Class Current: 705/17
• 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 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes

Abstract

In yet another embodiment, a computer-implemented method can be provided. The method can include storing, in at least one memory associated with a mobile device, payment information. The method can further include generating, utilizing the payment information, a displayable image. Furthermore, the method can include directing output of the image by a display associated with the mobile device, wherein the image is scanned by a reader device at a point of sale in order to complete a point of sale transaction.

Claims

1. One or more computer-readable media configured to store computer-executable instructions that, when executed by one or more processors, configure the one or more processors to:

store, in at least one memory associated with a mobile device, payment information;

generate, utilizing the payment information, a displayable image; and

direct output of the image by a display associated with the mobile device, wherein the image is scanned by a reader device at a point of sale in order to complete a point of sale transaction.

2. The one or more computer-readable media of claim 1, wherein the payment information is stored on a secure element associated with the mobile device.

3. The one or more computer-readable media of claim 1, wherein the payment information comprises a payment account number.

4. The one or more computer-readable media of claim 1, wherein the displayable image comprises one of (i) a barcode image or (ii) a quick response code image.

5. The one or more computer-readable media of claim 1, wherein the computer-executable instructions further configure the one or more processors to:

receive, via a wallet application, a user instruction to generate the displayable image; and

access, by the wallet application in response to the user instruction, the stored payment information in order to generate the displayable image.

6. A merchant point of sale device comprising:

at least one reader device configured to scan an image displayed by a mobile device utilized by a consumer at a point of sale, the image comprising payment information; and

at least one processor configured to (i) receive information associated the scanned image, (ii) process the received information in order to extract the payment information, and (iii) process a payment transaction utilizing the payment information.

7. The merchant point of sale device of claim 6, wherein the at least one reader device comprises an optical scanner.

8. The merchant point of sale device of claim 6, wherein the scanned image comprises one of (i) a barcode image or (ii) a quick response code image.

9. The merchant point of sale device of claim 6, wherein the payment information comprises a payment account number.

10. A computer-implemented method comprising:

storing, in at least one memory associated with a mobile device, payment information;

generating, utilizing the payment information, a displayable image; and

directing output of the image by a display associated with the mobile device, wherein the image is scanned by a reader device at a point of sale in order to complete a point of sale transaction.

11. The computer-implemented method of claim 10, wherein the payment information is stored on a secure element associated with the mobile device.

12. The computer-implemented method of claim 10, wherein the payment information comprises a payment account number.

13. The computer-implemented method of claim 10, wherein the displayable image comprises one of (i) a barcode image or (ii) a quick response code image.

14. The computer-implemented method of claim 10, further comprising:

receive, via a wallet application, a user instruction to generate the displayable image; and

access, by the wallet application in response to the user instruction, the stored payment information in order to generate the displayable image.