METHOD AND SYSTEM FOR CONTACTLESS PAYMENT VIA QUICK RESPONSE CODE

• US 20190325415A1
• Filed: 04/18/2018
• Published: 10/24/2019
• Est. Priority Date: 04/18/2018
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Maddocks, Ian David Alan, Singh, Harjender
• Granted Patent: US 10,956,889 B2
• Time in Patent Office: Days
• 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 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules

Abstract

A method for contactless conveyance of transactional data includes: displaying, on a display device interfaced with a computing device, a machine-readable code, wherein the machine-readable code is encoded with transaction data; receiving, by a receiver of the computing device, a trigger notification; generating, by the computing device, a contactless data message, wherein the contactless data message is formatted according to one or more standards and includes at least the transaction data formatted according to the one or more standards; and electronically transmitting, by a transmitter of the computing device, the generated contactless data message to a point of sale device using a contactless communication protocol.

Claims

1. A method for contactless conveyance of transactional data, comprising:

displaying, on a display device interfaced with a computing device, a machine-readable code, wherein the machine-readable code is encoded with transaction data;

receiving, by a receiver of the computing device, a trigger notification;

generating, by the computing device, a contactless data message, wherein the contactless data message is formatted according to one or more standards and includes at least the transaction data formatted according to the one or more standards; and

electronically transmitting, by a transmitter of the computing device, the generated contactless data message to a point of sale device using a contactless communication protocol.

2. The method of claim 1, wherein the trigger notification is received via an input device interfaced with the computing device.

3. The method of claim 1, wherein the trigger notification is received from the point of sale device using the contactless communication protocol.

4. The method of claim 1, further comprising:

removing, by the computing device, the machine-readable code from display on the display device prior to electronic transmission of the generated contactless data message.

5. The method of claim 4, wherein the machine-readable code is removed from display only if mandated by a rule stored in a memory of the computing device.

6. The method of claim 1, wherein

the machine-readable code is displayed via a first application program executed by a processor of the computing device, and

the contactless data message is generated via a second application program executed by the processor of the computing device distinct from the first application program.

7. The method of claim 1, wherein the transaction data includes at least a one-time value.

8. The method of claim 1, the transaction data includes at least payment credentials associated with a transaction account.

9. A system for contactless conveyance of transactional data, comprising:

a display device interfaced with a computing device configured to display a machine-readable code, wherein the machine-readable code is encoded with transaction data;

a receiver of the computing device configured to receive a trigger notification;

the computing device configured to generate a contactless data message, wherein the contactless data message is formatted according to one or more standards and includes at least the transaction data formatted according to the one or more standards; and

a transmitter of the computing device configured to electronically transmit the generated contactless data message to a point of sale device using a contactless communication protocol.

10. The system of claim 9, wherein the trigger notification is received via an input device interfaced with the computing device.

11. The system of claim 9, wherein the trigger notification is received from the point of sale device using the contactless communication protocol.

12. The system of claim 9, wherein the computing device is further configured to remove the machine-readable code from display on the display device prior to electronic transmission of the generated contactless data message.

13. The system of claim 12, wherein the machine-readable code is removed from display only if mandated by a rule stored in a memory of the computing device.

14. The system of claim 9, wherein

the machine-readable code is displayed via a first application program executed by a processor of the computing device, and

the contactless data message is generated via a second application program executed by the processor of the computing device distinct from the first application program.

15. The system of claim 9, wherein the transaction data includes at least a one-time value.

16. The system of claim 9, the transaction data includes at least payment credentials associated with a transaction account.