BARCODE-TRIGGERED PAYMENT METHOD AND SYSTEM

• US 20160155112A1
• Filed: 12/28/2015
• Published: 06/02/2016
• Est. Priority Date: 10/10/2012
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Phillips, Simon, Collinge, Mehdi, Main, Jonathan J.
• Application Number:
  US14/980,968
• Publication Number:
  US 20160155112A1
• Time in Patent Office: Days
• CPC Class Codes: G06K 19/06037 multi-dimensional coding
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• 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 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: H04W 88/02 Terminal devices

Abstract

A first mobile phone is used to scan a barcode to launch a first mobile payment application on the first mobile device. A payment request is transmitted from the first mobile device to a second mobile device. The second mobile device is operated by a payment account holder. A second mobile payment application is launched in the second mobile device in response to receipt of the payment request. The payment request includes data obtained by the first mobile device scanning the barcode. A response is received from the payment account holder to the second mobile payment application. Payment account credentials are supplied via the second mobile device to conduct a transaction in accordance with the payment request. The payment account credentials identify a payment account belonging to the payment account holder.

Claims

1. A method for conducting a transaction, comprising:

using a first mobile device to scan a barcode to launch a first mobile payment application on the first mobile device;

transmitting a payment request from the first mobile device to a second mobile device, the second mobile device operated by a payment account holder;

launching a second mobile payment application in the second mobile device in response to the second mobile device receiving the payment request, the received payment request including data obtained by the first mobile device scanning the barcode;

receiving a response from the payment account holder to the second mobile payment application; and

supplying payment account credentials via the second mobile device to conduct the transaction, the payment account credentials identifying a payment account belonging to the payment account holder.

2. The method of claim 1, wherein the barcode is a QR code (quick response code).

3. The method of claim 2, wherein the first mobile device scans the QR code from a paper bill.

4. The method of claim 2, wherein the first mobile device scans the QR code from one of:

(a) an e-commerce web page displayed on a computer screen; and

(b) a screen display generated by a video game device.

5. The method of claim 1, further comprising:

the first mobile device displaying a list of potential request recipients to a user of the first mobile device; and

receiving input from the user of the first mobile device to indicate selection of the payment account holder from the displayed list of potential request recipients.

6. A method for operating mobile devices to conduct a transaction, comprising:

obtaining, by a first mobile device operating a mobile payment application, a transaction payload from a second mobile device;

extracting a payment gateway identifier from the transaction payload and establishing a secure communication channel with a payment gateway identified by said payment gateway identifier;

receiving, from said payment gateway, item data associated with said transaction, said item data obtained by said payment gateway from a merchant involved in the transaction; and

receiving, from a user operating said first mobile device, a confirmation to complete said transaction using a payment account associated with said user and transmitting said confirmation to said payment gateway with payment account credentials associated with said payment account.

7. The method of claim 6, wherein the transaction payload includes at least one of (i) a merchant identifier, (ii) a merchant name, (iii) a payment gateway identifier, (iv) a basket identifier, and (v) a security seal.

8. The method of claim 6, wherein said transaction payload is obtained from a message transmitted from the second mobile device to the first mobile device.

9. The method of claim 8, wherein said transaction payload is obtained from said second mobile device by transferring data from a payment application in the second mobile device to a payment application in the first mobile device.

10. The method of claim 6, wherein said item data obtained by said payment gateway from said merchant are identified using a basket identifier, said basket identifier provided to said payment gateway from said transaction payload.

11. The method of claim 6, wherein said receiving item data associated with said transaction further comprises:

receiving shipping details, said shipping details provided by said merchant to said payment gateway based on said basket identifier; and

determining, by said mobile application, a stored shipping preference of said user.

12. The method of claim 6, wherein said payment account is selected from payment account information stored in a secure element of said mobile device.

13. The method of claim 12, wherein said payment account information stored in a secure element of said mobile device include said payment account credentials, said payment account credentials including at least a primary account number, an expiry date, and a verification code.

14. The method of claim 6, further comprising:

processing said transaction using said payment credentials using a secure payment process.

15. The method of claim 6, wherein said payment account is selected from payment account information hosted in a remote server and accessible by the first mobile device.

16. A mobile device, comprising:

a storage device to store a mobile payment application;

a secure element to store payment account information of a user;

a display;

a communication device;

a computer-readable non-transitory storage medium comprising instructions to;

obtain, by said mobile payment application, a transaction payload from another mobile device, said transaction payload related to a transaction;

extract a payment gateway identifier from the transaction payload and operating said communication device to establish a secure communication channel with a payment gateway identified by said payment gateway identifier;

receive, from said payment gateway, item data associated with said transaction, said item data obtained by said payment gateway from a merchant involved in the transaction; and

receive, from a user operating said mobile device having said storage device, a confirmation to complete said transaction using a payment account associated with said user and transmitting said confirmation to said payment gateway with payment account credentials associated with said payment account.

17. The mobile device of claim 16, wherein said item data obtained by said payment gateway from said merchant are identified using a basket identifier, said basket identifier provided to said payment gateway from said transaction payload.

18. The mobile device of claim 16, further comprising:

displaying shipping details associated with said transaction on said display device;

determining whether a stored shipping preference of said user is available for said transaction; and

receiving a selection from said user of a shipping preference for said transaction.

19. The mobile device of claim 16, wherein said payment account information stored in said secure element of said mobile device include said payment account credentials, said payment account credentials including at least a primary account number, an expiry date, and a verification code.