METHODS AND ARRANGEMENTS FOR SMARTPHONE PAYMENTS
First Claim
1. A method employing a user'"'"'s portable device, the device including a display and a sensor module, the method including the acts:
- presenting a payment user interface on a display, the user interface identifying plural virtual wallet cards including plural payment service cards, said payment service cards representing plural possible payment services including at least one of American Express®
, VISA® and
MasterCard®
;
receiving user input selecting a desired one of said payment services for issuing a payment;
generating sensor-based authentication data, said generating being performed using a particular apparatus, namely a user smartphone including said display and a sensor, the sensor being selected from the group consisting of a barometric sensor, a temperature sensor, an audio sensor, an image sensor, a magnetometer, an accelerometer, and a gyroscope, said authentication data being derived in part based on data from said sensor;
presenting artwork using the display, the artwork indicating the selected one of said payment services and including a logo for the American Express®
, VISA®
or MasterCard®
payment service; and
providing information, including both the sensor-based authentication data and data corresponding to the selected payment service, from the smartphone to a cooperating point of sale system, in connection with issuing a payment.
1 Assignment
0 Petitions
Accused Products
Abstract
To make a payment, a smartphone presents artwork for a payment card (e.g., a Visa card) that has been selected by a user from a virtual wallet of such cards. Encoded in the displayed artwork is payment information that has been encrypted with a context-dependent session key. A cooperating system (e.g., a retailer'"'"'s point of sale system) uses a camera to capture an image of the artwork, and independently creates the session key from its own context sensor(s), enabling decryption of the payment information. Such technology provides a superior transaction security model at a fraction of the cost of competing chip card payment systems (which require, e.g., expensive physical cards, and single-purpose reader hardware). A great variety of other features and arrangements are also detailed.
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Citations
34 Claims
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1. A method employing a user'"'"'s portable device, the device including a display and a sensor module, the method including the acts:
-
presenting a payment user interface on a display, the user interface identifying plural virtual wallet cards including plural payment service cards, said payment service cards representing plural possible payment services including at least one of American Express®
, VISA® and
MasterCard®
;receiving user input selecting a desired one of said payment services for issuing a payment; generating sensor-based authentication data, said generating being performed using a particular apparatus, namely a user smartphone including said display and a sensor, the sensor being selected from the group consisting of a barometric sensor, a temperature sensor, an audio sensor, an image sensor, a magnetometer, an accelerometer, and a gyroscope, said authentication data being derived in part based on data from said sensor; presenting artwork using the display, the artwork indicating the selected one of said payment services and including a logo for the American Express®
, VISA®
or MasterCard®
payment service; andproviding information, including both the sensor-based authentication data and data corresponding to the selected payment service, from the smartphone to a cooperating point of sale system, in connection with issuing a payment. - View Dependent Claims (2, 3, 5, 6, 7, 26, 27, 28, 29, 30, 31, 32)
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4. (canceled)
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8. (canceled)
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9. A shopping method in which a user has used a particular apparatus to select an item for purchase, the particular apparatus comprising a portable wireless device including a display, a camera or microphone, and a MEMS sensor other than a camera or microphone, the method comprising the acts:
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sensing a user input using said portable wireless device; responsive to said input, employing a software module resident on the portable wireless device to initiate a payment process for the selected item; wherein; the payment process includes performing a first authentication act that makes use of data captured by said camera or microphone of the portable wireless device; and the payment process includes performing a second authentication act that makes use of data generated by said MEMS sensor.
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10. (canceled)
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11. An improved checkout system including a camera, a processor, and a memory, the memory containing instructions configuring the checkout system to perform acts including:
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using the camera to capture first image data depicting a product presented for purchase by a user; also using the same camera to capture second image data depicting artwork from a display of a user portable device, the artwork indicating a payment service and including a VISA®
, MasterCard®
or American Express®
logo, the artwork also including machine-readable data encoding plural bit auxiliary data;decoding the auxiliary data; and using the decoded auxiliary data in connection with authenticating a payment transaction serviced by VISA®
, MasterCard®
or American Express®
. - View Dependent Claims (12, 13, 14, 33, 34)
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15. A method employing a user'"'"'s portable device, comprising:
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presenting, using a display of the device, a user interface that presents plural virtual wallet cards for user selection; receiving user input selecting at least two of said virtual wallet cards; and providing information corresponding to said selected virtual wallet cards to a cooperating point of sale system, in connection with a purchase transaction. - View Dependent Claims (16, 17, 18, 19)
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20-25. -25. (canceled)
Specification