Snap Mobile Payment Apparatuses, Methods and Systems

• US 20150248664A1
• Filed: 04/28/2015
• Published: 09/03/2015
• Est. Priority Date: 02/16/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Makhdumi, Uzma, Hammad, Ayman, Karpenko, Igor, Gavrilov, Miroslav, Shrivastava, Abhinav, Carlson, Mark
• Granted Patent: US 10,586,227 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/326 Payment applications installed on the mobile 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 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS (“SNAP”) transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. Payment information and VAS data can also be provided based on location. A request for payment information can be received. A location can be determined, and a merchant associated with the location can also be determined. Payment information and/or VAS data can be selected based on the merchant and/or location, and can be provided for a payment transaction.

Claims

1. A snap payment computer-implemented method, comprising:

determining, by the mobile device, a location of a consumer;

automatically selecting a payment identifier and at least one non-payment identifier based on the location; and

generating a QR code based on the payment identifier and the at least one non-payment identifier; and

providing the QR code for payment processing.

2. A snap payment computer-implemented method, comprising:

obtaining, at a mobile user device, a user input to initiate a purchase transaction;

acquiring an image frame operatively connected to the user device;

identifying a payment code depicted within the acquired image frame;

generating, via the mobile user device, a purchase transaction request using the identified payment code;

providing the purchase transaction request for payment processing; and

obtaining a purchase receipt for the purchase transaction.

3. The method of claim 2, further comprising:

determining, by the mobile device, a location of a consumer;

automatically selecting a payment identifier and at least one non-payment identifier based on the location; and

generating a QR code based on the payment identifier and the at least one non-payment identifier; and

providing the QR code for payment processing.

4. The method of claim 3, further comprising:

generating the QR code based on the payment identifier and the at least one non-payment identifier,

wherein providing the payment identifier and the at least one non-payment identifier for a payment includes presenting the QR code to an access device.

5. The method of claim 3, further comprising:

determining a merchant associated with the location.

6. The method of claim 5, wherein the payment identifier and the at least one non-payment identifier are associated with the merchant.

7. The method of claim 3, wherein the payment identifier comprises a payment token.

8. The method of claim 3, wherein the at least one non-payment identifier comprises VAS information.

9. The method of claim 3, further comprising:

acquiring video including the image frame via the image acquisition device operatively connected to the user device;

extracting the image frame from the acquired video; and

analyzing the image frame to determine whether the image frame includes the depicted payment code.

10. The method of claim 3, wherein the user input is a touchscreen gesture on a touchscreen operatively connected to the mobile user device.

11. The method of claim 3, wherein the payment code is a two-dimensional barcode.

12. The method of claim 3, further comprising:

extracting purchase session data from the payment code; and

wherein the purchase transaction request is generated, via the user device, using the extracted purchase session data.

13. The method of claim 12, wherein the purchase session data varies based on user shopping activity with a merchant.

14. The method of claim 13, wherein the merchant is an online merchant.

15. The method of claim 2, further comprising:

providing a portion of the acquired image frame including the depiction of the payment code to a server; and

obtaining purchase session data from the server in response to providing the portion of the acquired image frame.

16. A snap payment apparatus, comprising:

a processor; and

a memory disposed in communication with the processor and storing processor-executable instructions to;

obtain, at a mobile user device, a user input to initiate a purchase transaction;

acquire an image frame operatively connected to the user device;

identify a payment code depicted within the acquired image frame;

generate, via the mobile user device, a purchase transaction request using the identified payment code;

provide the purchase transaction request for payment processing; and

obtain a purchase receipt for the purchase transaction.

17. The apparatus of claim 16, further comprising processor-executable instructions to:

determine, by a mobile device, a location of a consumer;

automatically select a payment identifier and at least one non-payment identifier based on the location; and

generate a QR code based on the payment identifier and the at least one non-payment identifier; and

provide the QR code for payment processing.

18. The apparatus of claim 17, further comprising processor-executable instructions to:

generate the QR code based on the payment identifier and the at least one non-payment identifier,

wherein providing the payment identifier and the at least one non-payment identifier for a payment includes presenting the QR code to an access device.

19. The apparatus of claim 17, further comprising processor-executable instructions to:

determine a merchant associated with the location.

20. The apparatus of claim 19, wherein the payment identifier and the at least one non-payment identifier are associated with the merchant.

21. The apparatus of claim 17, wherein the payment identifier comprises a payment token.

22. The apparatus of claim 17, wherein the at least one non-payment identifier comprises VAS information.

23. The apparatus of claim 17, further comprising processor-executable instructions to:

provide an image of the payment code for purchase transaction processing.

24. The apparatus of claim 17, further comprising processor-executable instructions to:

acquire video including the image frame via the image acquisition device operatively connected to the user device;

extract the image frame from the acquired video; and

analyze the image frame to determine whether the image frame includes the depicted payment code.

25. The apparatus of claim 17, wherein the user input is a touchscreen gesture on a touchscreen operatively connected to the mobile user device.

26. The apparatus of claim 17, wherein the payment code is a two-dimensional barcode.

27. The apparatus of claim 17, further comprising processor-executable instructions to:

extract purchase session data from the payment code; and

wherein the purchase transaction request is generated, via the user device, using the extracted purchase session data.

28. The apparatus of claim 27, wherein the purchase session data varies based on user shopping activity with a merchant.

29. The apparatus of claim 28, wherein the merchant is an online merchant.

30. The apparatus of claim 16, further comprising processor-executable instructions to:

provide a portion of the acquired image frame including the depiction of the payment code to a server; and

obtain purchase session data from the server in response to providing the portion of the acquired image frame.

31. A processor-readable non-transitory medium storing processor-issuable instructions to:

determine, by a mobile device, a location of a consumer;

automatically select a payment identifier and at least one non-payment identifier based on the location; and

generate a QR code based on the payment identifier and the at least one non-payment identifier; and

provide the QR code for payment processing.