METHOD FOR USING BARCODES AND MOBILE DEVICES TO CONDUCT PAYMENT TRANSACTIONS

• US 20160012416A1
• Filed: 09/21/2015
• Published: 01/14/2016
• Est. Priority Date: 08/24/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Sharma, Pankaj, Modi, Vikram, Singh, Shantnu
• Granted Patent: US 10,078,832 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• 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 20/346 Cards serving only as information carrier of service

Abstract

Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.

Claims

1-20. -20. (canceled)

21. A method of conducting a payment transaction comprising:

receiving a notification at a mobile device associated with a first user from a central server, wherein the notification identifies that funds are available to be claimed from a second user, and wherein the notification includes a claim code;

providing the claim code to the central server, using a client computer;

capturing an image of a two-dimensional barcode on a physical payment token with a camera in the mobile device;

generating barcode data by the mobile device based on the captured two-dimensional barcode; and

transmitting the barcode data to the central server, wherein the barcode data is based on the captured image,

wherein the central server is programmed to initiate the payment transaction using the received claim code and the barcode data.

22. The method of claim 21 wherein the central server is programmed to initiate the payment transaction using the received claim code and the barcode data by

initiating a first payment instruction message to a first issuer computer associated with the first user, and

initiating a second payment instruction to a second issuer computer associated with the second user.

23. The method of claim 21 wherein the mobile device and the client computer are the same device.

24. The method of claim 21 wherein the mobile device and the client computer are separate devices.

25. The method of claim 21 wherein the mobile device is a mobile phone.

26. The method of claim 21 wherein the physical payment token is in the form of a card.

27. The method of claim 21 wherein the notification is a text message or a phone call.

28. A method comprising:

receiving, by a server computer, a communication from a second user device operated by a second user to transfer funds in a payment transaction to a first user;

transmitting, by the server computer, a notification comprising a claim code to a mobile device operated by the first user;

receiving the claim code at the server computer and from a first user device operated by the first user;

receiving, by the server computer, barcode data captured by the mobile device, the barcode data generated by the mobile device after capturing an image of a two-dimensional bar code on a physical payment token; and

initiating, by the server computer, the payment transaction.

29. The method of claim 28, wherein initiating the payment transaction includes:

initiating a first payment instruction message to the first issuer computer associated with the first user, and

initiating a second payment instruction to a second issuer computer associated with the second user.

30. The method of claim 28 wherein the mobile device is a mobile phone.

31. The method of claim 28 wherein the first user device and the mobile device are the same device.

32. The method of claim 28 wherein the first user device and the mobile device are the separate devices.

33. The method of claim 28 wherein the physical payment token is in the form of a card.

34. A server computer comprising:

a processor; and

a computer readable medium, the computer readable medium comprising code, executable by the processor to implement a method comprising

receiving a communication from a second user device operated by a second user to transfer funds in a payment transaction to a first user,

transmitting a notification comprising a claim code to a mobile device operated by the first user,

receiving the claim code at the server computer and from a first user device operated by the first user,

receiving barcode data captured by the mobile device, the barcode data generated by the mobile device after capturing an image of a two-dimensional bar code on a physical payment token, and

initiating the payment transaction.

35. The server computer of claim 34, wherein the method further comprises:

initiating a first payment instruction message to the first issuer computer associated with the first user, and

initiating a second payment instruction to a second issuer computer associated with the second user.

36. The method of claim 34 wherein the mobile device is a mobile phone.

37. The server computer of claim 34 wherein the first user device and the mobile device are the same device.

38. The server computer of claim 34 wherein the first user device and the mobile device are the separate devices.

39. A system comprising:

the server computer of claim 34;

the physical payment token;

the first user device; and

the second user device.