Mobile barcode generation and payment

• US 8,862,513 B2
• Filed: 12/02/2013
• Issued: 10/14/2014
• 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:
  US14/094,678
• Publication Number:
  US 20140095331A1
• Time in Patent Office: 316 Days
• Field of Search: 705/39
• 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 for use in a transaction, wherein the user funding sources are selected from a group comprising credit cards, debit cards, gift cards, and store credit accounts; and

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

receive information about a user account and information about a merchant or location from a user device;

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

communicate a second plurality of funding sources from the first plurality of funding sources to the user device;

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

generate a barcode containing the at least two funding sources of the second plurality of funding sources for display on the 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 computer processor is further configured to:

receive information about the transaction; and

automatically determine the first plurality of funding sources available for use by the user based further on the information received about the transaction.

3. The system of claim 1, wherein the second plurality is less than the first plurality.

4. The system of claim 1, wherein the barcode is generated prior to a first item in the transaction being scanned.

5. The system of claim 4, wherein the barcode comprises information for one or more loyalty, reward, and/or membership numbers for a merchant receiving the payment.

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

7. The system of claim 1, wherein the computer processor is further configured to receive a selection from the user of offers to be accepted for possible use with the payment.

8. The system of claim 7, wherein the selection is from offers presented to the user on the user device and determined by a service provider based on the information about the user account or the information about the merchant or location.

9. The system of claim 1, wherein the barcode is valid only for a single use.

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

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

12. The system of claim 1, wherein the first plurality and the second plurality are the same.

13. 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 to perform a method comprising:

receiving 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 first plurality of funding sources available for use by the user based on the information received about the user account and the information received about the merchant or location;

communicating a second plurality of funding sources from the first plurality of funding sources to the user device;

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

generating a barcode containing the at least two funding sources of the second plurality of funding sources for display on the 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.

14. The non-transitory machine-readable medium of claim 13, wherein the method further comprises:

receiving information about the transaction; and

automatically determining the first plurality of funding sources available for use by the user based further on the information received about the transaction.

15. The non-transitory machine-readable medium of claim 13, wherein the second plurality is less than the first plurality.

16. The non-transitory machine-readable medium of claim 13, wherein the barcode is generated prior to a first item in the transaction being scanned.

17. The non-transitory machine-readable medium of claim 13, wherein the barcode comprises information for one or more loyalty, reward, and/or membership numbers for a merchant receiving the payment.

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

19. The non-transitory machine-readable medium of claim 13, wherein the barcode comprises information for one or more offers selected by a user from a plurality offers presented to the user on the user device.

20. The non-transitory machine-readable medium of claim 13, wherein the barcode has conditions for use predetermined by the user.

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

an antenna programmed to communicate with a remote on-line client;

a computer processor programmed to;

communicate, via the antenna to the remote on-line client, information about a user account and information about a merchant or location, 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

display a barcode, originated by the on-line client, for completing funding of the transaction, wherein the barcode comprises a selection of at least two user funding sources of a plurality of user funding sources automatically determined to be available by the on-line client in response to receiving the information about the user account and the information about the merchant or the location;

a memory programmed to store information about the 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 remote on-line client; 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.