Providing user information by presenting readable indicia with mobile device

• US 8,939,360 B2
• Filed: 01/01/2013
• Issued: 01/27/2015
• Est. Priority Date: 01/01/2013
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grossman, Glenn
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): Brown, Claude J
• Application Number:
  US13/732,377
• Publication Number:
  US 20140183257A1
• Time in Patent Office: 756 Days
• Field of Search: 235/375, 235/380, 705/17, 705/35, 705/39, 705/40, 705/41, 705/44
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/382 insuring higher security of transaction

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for providing user information to a merchant during a transaction. Embodiments may generate a readable indicia encoding user information and initiate display of the readable indicia on a display for presentation to the merchant such that the merchant may read the readable indicia and determine the user information stored in the readable indicia. Some embodiments receive and store the user information in the memory device, and receive user input requesting generation of the readable indicia. Some embodiments receive and store a plurality of profiles, where each profile is associated with some or all the stored user information and receives user input selecting one of the profiles, and receive user input requesting generation of the readable indicia based on the selected profile.

Claims

1. A system for providing user information to a merchant during a transaction, the system comprising:

a memory device storing computer executable code;

a processing device to execute the computer executable code to cause the processing device to;

receive and store user information, wherein;

the user information is selected by a user;

the user information comprises user identification information comprising name information and contact information comprising a preferred email address or phone number; and

storing the user information comprises storing a plurality of user profiles each associated with some or all the user information, wherein the plurality of user profiles comprises at least one of a low information profile, a medium information profile, and a high information profile;

receive user input from the user selecting one of the user profiles and requesting generation of a readable indicia encoding the selected one of the user profiles;

generate the readable indicia encoding the selected user profile and the user information associated with the selected user profile;

initiate display of the readable indicia on a display for presentation to the merchant such that the merchant may read the readable indicia and determine some or all of the user information stored in the readable indicia, wherein reading the readable indicia further comprises;

determining whether the user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile;

receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential; and

validating the one or more received authentication credentials;

store the determined user profile in a user file;

initiate communication to the mobile device of the user requesting updated user information associated with the determined user profile;

receive updated user information from the user; and

store the updated user information in the user file.

2. The system of claim 1, wherein the computer executable code further causes the processing device to:

receive and store the user information in the memory device.

3. The system of claim 1, wherein the computer executable code further causes the processing device to:

receive user input requesting generation of the readable indicia.

4. The system of claim 1, wherein the computer executable code further causes the processing device to:

receive and store the user information in the memory device; and

receive and store a plurality of profiles, wherein each profile is associated with some or all the stored user information.

5. The system of claim 4, wherein the computer executable code further causes the processing device to:

receive user input selecting one of the profiles;

receive user input requesting generation of the readable indicia based on the selected profile; and

wherein generating the readable indicia comprises encoding at least the user information associated with the profile selected by the user.

6. The system of claim 1, wherein generating the readable indicia encoding some or all the user information comprises generating the readable indicia to further encode payment information.

7. The system of claim 6, wherein the merchant completes the transaction based at least in part on the payment information.

8. A computer program product configured for providing user information to a merchant during a transaction, the computer program product comprising a non-transient computer readable medium having computer executable code stored thereon to cause a processing device to:

receive and store user information, wherein;

the user information is selected by a user;

the user information comprises user identification information comprising name information and contact information comprising a preferred email address or phone number; and

storing the user information comprises storing a plurality of user profiles each associated with some or all the user information, wherein the plurality of user profiles comprises at least one of a low information profile, a medium information profile, and a high information profile;

receive user input from the user selecting one of the user profiles and requesting generation of a readable indicia encoding the selected one of the user profiles;

generate the readable indicia encoding the selected user profile and the user information associated with the selected user profile;

initiate display of the readable indicia on a display for presentation to the merchant such that the merchant may read the readable indicia and determine some or all of the user information stored in the readable indicia, wherein reading the readable indicia further comprises;

determining whether the user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile;

receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential; and

validating the one or more received authentication credentials;

store the determined user profile in a user file;

initiate communication to the mobile device of the user requesting updated user information associated with the determined user profile;

receive updated user information from the user; and

store the updated user information in the user file.

9. The computer program product of claim 8, wherein the computer executable code is further to cause the processing device to:

receive and store the user information in the memory device.

10. The computer program product of claim 8, wherein the computer executable code is further to cause the processing device to:

receive user input requesting generation of the readable indicia.

11. The computer program product of claim 8, wherein the computer executable code is further to cause the processing device to:

receive and store the user information in the memory device; and

receive and store a plurality of profiles, wherein each profile is associated with some or all the stored user information.

12. The computer program product of claim 8, wherein the computer executable code is further to cause the processing device to:

receive user input selecting one of the profiles;

receive user input requesting generation of the readable indicia based on the selected profile; and

wherein generating the readable indicia comprises encoding at least the user information associated with the profile selected by the user.

13. The computer program product of claim 8, wherein generating the readable indicia encoding some or all the user information comprises generating the readable indicia to further encode payment information.

14. The computer program product of claim 13, wherein the merchant completes the transaction based at least in part on the payment information.

15. A computer-implemented method for providing user information to a merchant during a transaction, the method comprising:

providing a memory device storing computer executable code and a processing device to execute the computer executable code to cause the processing device to;

receive and store user information, wherein;

the user information is selected by a user;

the user information comprises user identification information comprising name information and contact information comprising a preferred email address or phone number; and

storing the user information comprises storing a plurality of user profiles each associated with some or all the user information, wherein the plurality of user profiles comprises at least one of a low information profile, a medium information profile, and a high information profile;

receive user input from the user selecting one of the user profiles and requesting generation of a readable indicia encoding the selected one of the user profiles;

generate the readable indicia encoding the selected user profile and the user information associated with the selected user profile;

initiate display of the readable indicia on a display for presentation to the merchant such that the merchant may read the readable indicia and determine some or all of the user information stored in the readable indicia, wherein reading the readable indicia further comprises;

determining whether the user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile;

receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential; and

validating the one or more received authentication credentials;

store the determined user profile in a user file;

initiate communication to the mobile device of the user requesting updated user information associated with the determined user profile;

receive updated user information from the user; and

store the updated user information in the user file.

16. The method of claim 15, wherein the computer executable code further causes the processing device to:

receive and store the user information in the memory device.

17. The method of claim 15, wherein the computer executable code further causes the processing device to:

receive user input requesting generation of the readable indicia.

18. The method of claim 15, wherein the computer executable code further causes the processing device to:

receive and store the user information in the memory device; and

receive and store a plurality of profiles, wherein each profile is associated with some or all the stored user information.

19. The method of claim 18, wherein the computer executable code further causes the processing device to:

receive user input selecting one of the profiles;

receive user input requesting generation of the readable indicia based on the selected profile; and

wherein generating the readable indicia comprises encoding at least the user information associated with the profile selected by the user.

20. The method of claim 15, wherein generating the readable indicia encoding some or all the user information comprises generating the readable indicia to further encode payment information.

21. The method of claim 20, wherein the merchant completes the transaction based at least in part on the payment information.