Method and system for using machine-readable codes to perform a transaction
First Claim
1. A method of performing a transaction, the method comprising:
- by a computer system comprising one or more processors;
accessing a machine-readable code associated with a transaction, wherein the machine-readable code comprises transaction details associated with the transaction;
translating the transaction details into a human-readable format to obtain translated transaction details;
presenting the translated transaction details to a customer user; and
in response to receiving an acceptance response from the customer user;
initiating payment to a merchant user; and
accessing a second machine-readable code associated with a completed transaction, wherein the machine-readable code comprises transaction details associated with the completed transaction and wherein the completed transaction is based at least in part on the transaction.
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Accused Products
Abstract
A system and associated processes for consolidating and replacing various forms of payment (e.g. credit cards, debit cards, and cash) with a single payment system is presented. A client system can read a machine-readable code generated by a merchant system associated with a merchant, or other product or service provider, and present the information encoded by the machine-readable code to a customer. Upon receiving confirmation that the customer desires to proceed with the transaction, the client system can initiate payment by contacting a payment system associated with the customer. This payment system can then transfer payment to the merchant by, for example, transferring cash from the customer'"'"'s account or using credit associated with the customer'"'"'s account. Thus, embodiments of the present disclosure enable a customer to complete a transaction without using, for example, cash, a credit card, or a debit card.
146 Citations
26 Claims
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1. A method of performing a transaction, the method comprising:
by a computer system comprising one or more processors; accessing a machine-readable code associated with a transaction, wherein the machine-readable code comprises transaction details associated with the transaction; translating the transaction details into a human-readable format to obtain translated transaction details; presenting the translated transaction details to a customer user; and in response to receiving an acceptance response from the customer user; initiating payment to a merchant user; and accessing a second machine-readable code associated with a completed transaction, wherein the machine-readable code comprises transaction details associated with the completed transaction and wherein the completed transaction is based at least in part on the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for performing a transaction, the system comprising:
a client transaction processor system comprising computer hardware, the client transaction processor system configured to; access a machine-readable code associated with a transaction, wherein the machine-readable code comprises transaction details associated with the transaction; translate the transaction details into a human-readable format to obtain translated transaction details; cause the translated transaction details to be presented to a customer user; and in response to receiving an acceptance response from the customer user, the client transaction processor is configured; to initiate payment to a merchant user; and access a second machine-readable code associated with a completed transaction, wherein the machine-readable code comprises transaction details associated with the completed transaction and wherein the completed transaction is based at least in part on the transaction. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15, 16)
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17. A method of performing a transaction, the method comprising:
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receiving transaction details associated with a transaction; generating a machine-readable code associated with at least a subset of the transaction details; providing the machine-readable code to a customer computer system; in response to providing the machine-readable code, receiving payment confirmation information associated with a third-party payment system, wherein at least the generating is performed by a computer system comprising one or more processors; and in response to determining that the third-party payment system is a trusted third-party payment system, generating a second machine-readable code comprising completed transaction details. - View Dependent Claims (18, 19, 20, 21)
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22. A system for performing a transaction, the system comprising:
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a merchant transaction processor system comprising computer hardware, the merchant transaction processor system configured to; receive transaction details associated with a transaction; generate a machine-readable code associated with at least a subset of the transaction details; provide the machine-readable code to a customer computer system; in response to providing the machine-readable code, receive payment confirmation information associated with a third-party payment system; and in response to determining that the third-party payment system is a trusted third-party payment system, generate a second machine-readable code comprising completed transaction details. - View Dependent Claims (23, 24, 25, 26)
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Specification