Snap mobile payment apparatuses, methods and systems

Patent metadata

Field	Value
Publication number	US-10586227-B2
Application number	US-201514698317-A
Country	US
Kind code	B2
Filing date	Apr 28, 2015
Priority date	Feb 16, 2011
Publication date	Mar 10, 2020
Grant date	Mar 10, 2020

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.

First claim

What is claimed is:

1. A snap payment processor-implemented method, comprising:
determining, by a processor executing a digital wallet application at a user mobile computing device, a location information of the user device indicative of a consumer location, said location information comprising at least geographical information and local proximity information;
providing, by a digital camera of the user device to the digital wallet application executing at the user device, product information for a purchase transaction;
determining, based on the location information, a merchant for the purchase transaction and a non-payment identifier for the merchant, the non-payment identifier including one or more of data for a loyalty card for the merchant or data for a coupon code for the merchant;
automatically selecting, via the processor executing the digital wallet application, a payment identifier from the digital wallet application and the non-payment identifier for the merchant based on the location information;
generating, via the processor executing the digital wallet application, a Quick Response (“QR”) code based on the payment identifier and the non-payment identifier, wherein the QR code comprises a purchase transaction request for the purchase transaction; and
providing, via the processor executing the digital wallet application, the QR code to a point of sale terminal for payment processing by a payment processing network connected to the user device for the purchase transaction;
wherein the payment identifier includes a personal account number corresponding to a credit card account and the non-payment identifier includes one or more of data for the loyalty card for the merchant or data for the coupon code for the merchant for the purchase transaction.

2. A snap payment computer-implemented method, comprising:
obtaining, by a processor executing a digital wallet application at a user device, a user input to initiate a purchase transaction on the user device;
acquiring, by a digital camera of the user device via the processor executing the digital wallet application at the user device, objects within an image frame operatively connected to the user device;
determining, by the processor of the user device, a location of a consumer, the location information comprising at least geographical information and local proximity information;
determining, based on the location information, a merchant for the purchase transaction and a non-payment identifier for the merchant, the non-payment identifier including one or more of data for a loyalty card for the merchant or data for a coupon code for the merchant;
automatically selecting, via the processor executing the digital wallet application, a payment identifier from the digital wallet application executing at the user device and the non-payment identifier based on the location information;
identifying, via the processor executing the wallet application at the user device, a payment code depicted within the acquired image frame;
generating, via the processor executing the digital wallet application, a Quick Response (“QR”) code representing the objects based on the payment identifier and the at least one non-payment identifier; and
providing, via the processor executing the digital wallet application, the QR code to a point of sale terminal for payment processing by the payment processing network connected to the user device;
generating, via the processor executing the wallet application at the user device, a purchase transaction request using the QR code;
providing, via the processor executing the wallet application, the purchase transaction request for payment processing from the user device to a payment processing network; and
obtaining, via the processor executing the wallet application, a purchase receipt from the payment processing network for the purchase transaction;
wherein a portion of the acquired image frame including the depiction of the payment code is provided, via the processor, to a server;
wherein the payment identifier includes a personal account number corresponding to a credit card account and the non-payment identifier includes one or more of value added service data, loyalty points, and a coupon associated with the purchase transaction; and
wherein purchase session data is obtained from the server, via the processor, in response to providing the portion of the acquired image frame.

3. The method of claim 2 , further comprising: determining a merchant associated with the location information.

4. The method of claim 3 , wherein the payment identifier and the at least one non-payment identifier are associated with the merchant.

5. The method of claim 2 , wherein the payment identifier comprises a payment token.

6. The method of claim 2 ,
wherein acquiring, by a digital camera of the user device via the processor executing the digital wallet application at the user device, objects within an image frame operatively connected to the user device includes acquiring video including the image frame via the image acquisition device operatively connected to the user device; and the method further comprises
extracting the image frame from the acquired video; and
analyzing the image frame to determine whether the image frame includes the depicted payment code.

7. The method of claim 2 , wherein the user input is a touchscreen gesture on a touchscreen operatively connected to the user device.

8. The method of claim 2 , wherein the payment code is a two-dimensional barcode.

9. The method of claim 2 , 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.

10. The method of claim 9 , wherein the purchase session data varies based on user shopping activity with a merchant.

11. The method of claim 10 , wherein the merchant is an online merchant.

12. A snap payment apparatus, comprising:
a processor of a user device executing a digital wallet application from a memory of the user device, the memory disposed in communication with the processor, the digital wallet application including processor-executable instructions to:
obtain, by the processor executing a digital wallet application at the user device, a user input to initiate a purchase transaction on the user device;
acquire, by a digital camera of the user device via the processor executing the digital wallet application at the user device, objects within an image frame operatively connected to the user device;
determine, by the processor of the user device, a location of a consumer, the location information comprising at least geographical information and local proximity information;
determine, based on the location information, a merchant for the purchase transaction and a non-payment identifier for the merchant, the non-payment identifier including one or more of data for a loyalty card for the merchant or data for a coupon code for the merchant;
automatically select, via the processor executing the digital wallet application, a payment identifier from the digital wallet application executing at the user device and the non-payment identifier based on the location information;
identify, via the processor executing the wallet application at the user device, a payment code depicted within the acquired image frame;
generate, via the processor executing the digital wallet application, a Quick Response (“QR”) code representing the objects based on the payment identifier and the at least one non-payment identifier; and
provide, via the processor executing the digital wallet application, the QR code to a

Assignees

• Visa Int Service Ass

Inventors

• Makhdumi Uzma
• Hammad Ayman
• Karpenko Igor
• Gavrilov Miroslav
• Shrivastava Abhinav
• Carlson Mark

Classifications

• G06Q20/3274 Primary

  using a pictured code, e.g. barcode or QR-code, being displayed on the M-device · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/3674

  involving authentication · CPC title

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title

• G06Q30/06

  Buying, selling or leasing transactions · CPC title