ELECTRONIC PAYMENTS USING VISUAL CODE
First Claim
1. A method of facilitating electronic payments, the method comprising:
- receiving, electronically by a processor of a payment service provider, a semi-payment identifier (ID) from a user device, the semi-payment ID being decrypted from a visual code that is captured at the user device, wherein the visual code is decrypted using a first key of a payee;
locating, by the processor, a semi-payment identified by the semi-payment ID; and
processing, by the processor, the semi-payment to transfer funds to the payee.
2 Assignments
0 Petitions
Accused Products
Abstract
A payer can present an electronic payment to a payee using a visual code. Such a visual code may be created by generating a semi-payment that records and secures the electronic payment to be made to the payee, encrypting a semi-payment identifier with the payee'"'"'s encryption key, and encoding the encrypted semi-payment identifier into a visual code. The visual code may be received by the payee or by any user authorized to accept payments on behalf of the payee, who can accept the visual code payment by capturing the visual code using a user device. The captured visual code may be decrypted using the payee'"'"'s decryption key installed on the user device, so that the semi-payment identifier can be retrieved and transmitted to a payment service provider, which completes the payment by processing the semi-payment located using the semi-payment identifier.
57 Citations
20 Claims
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1. A method of facilitating electronic payments, the method comprising:
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receiving, electronically by a processor of a payment service provider, a semi-payment identifier (ID) from a user device, the semi-payment ID being decrypted from a visual code that is captured at the user device, wherein the visual code is decrypted using a first key of a payee; locating, by the processor, a semi-payment identified by the semi-payment ID; and processing, by the processor, the semi-payment to transfer funds to the payee. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A payment service provider system, comprising:
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a memory storing information about user accounts and payment transactions, wherein the information comprises cryptographic keys associated with users; and a processor in communication with the memory, wherein the processor is configured to; receive a semi-payment identifier (ID) from a user device, the semi-payment ID being decrypted from a visual code that is captured at the user device, wherein the visual code is decrypted using a first key of a payee; locate, from the payment transactions information stored in the memory, a semi-payment identified by the semi-payment ID; and process the semi-payment to transfer funds to the payee. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which, when executed by one or more processors, cause the one or more processors to perform a method comprising:
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receiving, at a payment service provider, a semi-payment ID from a user device, the semi-payment ID being decrypted from a visual code that is captured at the user device, wherein the visual code is decrypted using a first key of the payee; locating a semi-payment identified by the semi-payment ID; and processing the semi-payment to transfer funds to the payee. - View Dependent Claims (20)
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Specification