Mobile barcode generation and payment

• US 8,600,883 B2
• Filed: 03/29/2012
• Issued: 12/03/2013
• Est. Priority Date: 12/02/2008
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Wong, Catherine A.
• Primary Examiner(s): Hammond, III, Thomas M
• Application Number:
  US13/433,792
• Publication Number:
  US 20120185317A1
• Time in Patent Office: 614 Days
• Field of Search: 705/14.S, 705 35- 45
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/22 Payment schemes or models
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• 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 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

An application on user'"'"'s mobile device (having a display screen) generates a transaction-specific barcode on the display, where the barcode contains a plurality of funding sources for the transaction and/or merchant loyalty, reward, or membership numbers. The barcode can be scanned to make purchases at a point of sale (POS).

Claims

1. A system comprising:

a memory storing account information for a plurality of users, wherein the account information comprises a user identifier, user funding sources, and barcode information for a barcode generated for a specific transaction, wherein the user funding sources are selected from a group comprising credit cards, debit cards, gift cards, and store credit accounts;

a payment service provider comprising a computer processor communicatively coupled to the memory and programmed to;

receive information about the specific transaction, information about a user account and information about a merchant or location from a user device, wherein the information about the user account comprises at least user preferences associated with a plurality of funding sources;

automatically determine a plurality of funding sources available for use by the user based on the information received about the specific transaction, the information received about the user account and the information received about the merchant or location;

communicate the plurality of funding sources to the user device;

receive a selection from the user of at least two funding sources of the plurality of funding sources for completing funding of the specific transaction with the merchant;

generate, by the payment provider, a barcode containing the at least two funding sources of the plurality of funding sources;

communicate the barcode to a user device;

receive information contained in the barcode from the barcode being scanned on the user device by a merchant point of sale device; and

process the payment based, at least in part, on the received information contained in the barcode, wherein the processing of the payment includes at least a debit from each of the at least two funding sources of the plurality of funding sources.

2. The system of claim 1, wherein the account information further comprises loyalty, reward, or membership information for one or more merchants.

3. The system of claim 2, wherein the barcode comprises information for one or more loyalty, reward, and/or membership numbers for the merchant receiving the payment.

4. The system of claim 1, wherein the barcode is scanned by a smart phone or computing tablet.

5. The system of claim 1, wherein the plurality of funding sources is selected from the all available funding sources.

6. The system of claim 1, wherein the information about a user account comprises login information.

7. The system of claim 1, wherein the barcode is valid only for the payment.

8. The system of claim 1, wherein the barcode has conditions for use predetermined by the user.

9. The system of claim 1, wherein the processor is further configured to generate a barcode receipt for the payment.

17. The system of claim 1, wherein the at least two of the plurality of funding sources comprises a credit or debit card.

10. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server of a payment provider to perform a method comprising:

receiving information about the specific transaction, information about a user account and information about a merchant or location from a user device, wherein the information about the user account comprises at least user preferences associated with a plurality of funding sources selected from a group comprising credit cards, debit cards, gift cards, and store credit accounts;

automatically determining a plurality of funding sources available for use by the user based on the information received about the specific transaction, the information received about the user account and the information received about the merchant or location;

communicating the plurality of funding sources to the user device;

receiving a selection from the user of at least two funding sources of the plurality of funding sources for completing funding of the specific transaction with the merchant;

generating, by the payment provider, a barcode containing the at least two funding sources of the plurality of funding sources;

communicating the barcode to a user device;

receiving information contained in the barcode from the barcode being scanned on the user device by a merchant point of sale device; and

processing the payment based, at least in part, on the received information contained in the barcode, wherein the processing of the payment includes at least a debit from each of the at least two funding sources of the plurality of funding sources.

11. The non-transitory machine-readable medium of claim 10, wherein the account information further comprises loyalty, reward, or membership information for one or more merchants.

12. The non-transitory machine-readable medium of claim 11, wherein the barcode comprises information for one or more loyalty, reward, and/or membership numbers for the merchant receiving the payment.

13. The non-transitory machine-readable medium of claim 10, wherein the barcode is scanned by a smart phone or computing tablet.

14. The non-transitory machine-readable medium of claim 10, wherein the plurality of funding sources is selected from the all available funding sources.

15. The non-transitory machine-readable medium of claim 10, wherein the method further comprises generating a barcode receipt for the payment.

18. The non-transitory machine-readable medium of claim 10, wherein the at least two of the plurality of funding sources comprises a credit or debit card.

16. A mobile communication device for performing a financial transaction, comprising:

an antenna programmed to communicate with a payment service provider;

a computer processor programmed to;

communicate, via the antenna to the payment service provider, information about a user account, information about a merchant or location, and information about a specific transaction, wherein the information about the user account comprises at least user preferences associated with a plurality of user funding sources, wherein the plurality of user funding sources are selected from the group comprising;

credit cards, debit cards, gift cards, and store credit accounts; and

generate display a barcode, originated by the payment service provider, for completing funding of the specific transaction, wherein the barcode comprises a selection of at least two user funding sources of the plurality of user funding sources automatically determined to be available by the payment service provider in response to receiving the information about the user account, the information about the merchant or the location, and the information about the specific transaction

a memory programmed to store information about the specific financial transaction; and

a display programmed to;

display the barcode and allow the barcode to be scanned at a merchant point of sale device for processing by the payment service provider; and

display a notification of an authorized payment to the merchant that includes at least a debit from each of the at least two funding sources of the plurality of user funding sources.

19. The mobile communication device of claim 16, wherein the at least two of the plurality of funding sources comprises a credit or debit card.