Generating and utilizing user identifying digital visual codes in electronic payment transactions

Patent metadata

Field	Value
Publication number	US-10789596-B2
Application number	US-201615164631-A
Country	US
Kind code	B2
Filing date	May 25, 2016
Priority date	May 25, 2016
Publication date	Sep 29, 2020
Grant date	Sep 29, 2020

Abstract

One or more embodiments of the disclosure include systems and methods that generate and utilize digital visual codes in electronic payment transactions. In particular, in one or more embodiments, the disclosed systems and methods generate digital visual codes that embed information regarding a user account of a payor (i.e., a user account of the payor within a social networking system). In one or more embodiments, the disclosed systems and methods display the digital visual codes via a payor computing device, scan the digital visual codes via a payee computing device, and send an identifier of the payor to the social networking system based on scanning the digital visual codes. The social networking system then utilizes the identifier to identify the payor, send and receive confirmation from the payor, and finalize the payment transaction between the payor and the payee.

First claim

What is claimed is:

1. A method comprising:
associating, at one or more servers, a plurality of digital visual codes with a corresponding plurality of user profiles of a social networking system, the plurality of digital visual codes comprising a first digital visual code encoding an indicator of a first user of the social networking system and the plurality of user profiles comprising a first user profile corresponding to payment credentials for the first user;
providing, by the one or more servers, the first digital visual code encoding the indicator of the first user of the social networking system for display to a first computing device corresponding to the first user;
without providing the payment credentials for the first user to the first computing device of the first user or a second computing device of a second user, authorizing payment between the first user and the second user utilizing the first digital visual code by:
receiving, from the second computing device associated with the second user, the indicator of the first user and a payment amount, the indicator of the first user obtained by the second computing device by scanning the first digital visual code encoding the indicator of the first user of the social networking system displayed on the first computing device;
accessing the payment credentials for the first user from the first user profile and digital nodes and digital edges of the social networking system based on the received indicator of the first user of the social networking system; and
utilizing the payment credentials and the digital nodes and the digital edges of the social networking system to provide authorization for payment, by the one or more servers and a payment network, from the first user to the second user; and

generating, at the one or more servers, a second digital visual code; and
associating, at the one or more servers, the second digital visual code with the first user profile in place of the first digital visual code such that the first digital visual code is not operable to authorize payments from the first user.

2. The method of claim 1 , wherein:
associating the plurality of digital visual codes with the corresponding plurality of user profiles comprises associating the indicator with the first user profile; and
providing the first digital visual code for display to the first computing device corresponding to the first user comprises: providing the indicator to the first computing device to generate the first digital visual code.

3. The method of claim 1 , wherein utilizing the digital nodes and the digital edges of the social networking system comprises searching the digital nodes and the digital edges for indicators of a fraudulent transaction.

4. The method of claim 3 , wherein searching the digital nodes and the digital edges for indicators of a fraudulent transaction comprises:
comparing the digital nodes and the digital edges with transaction details of the payment to determine a digital security risk;
determining that the digital security risk falls below a threshold; and
providing authorization for payment based on the digital security risk falling below the threshold.

5. The method of claim 1 , wherein associating the plurality of digital visual codes with the corresponding plurality of users comprises:
determining one or more interests of the first user based on user interaction with the social networking system; and
generating the first digital visual code by embedding data regarding the one or more interests of the first user in the first digital visual code, such that upon scanning the first digital visual code, the data regarding the one or more interests is provided to the second computing device.

6. The method of claim 1 , wherein the second digital visual code encodes a second indicator of the first user of the social networking system and further comprising:
providing the second digital visual code encoding the second indicator for the first user for display to the first computing device corresponding to the first user;
receiving, from a third computing device associated with a third user, the second indicator of the first user and an additional payment amount, the second indicator of the first user obtained by the third computing device by scanning the second digital visual code displayed on the first computing device; and
in response to identifying the first user based on the received second indicator, providing authorization for payment, via the payment network, from the first user to the third user.

7. The method of claim 1 , further comprising: generating the second digital visual code and associating the second digital visual code with the first user profile in place of the first digital visual code in response to receiving the indicator of the first user or in response to expiration of a time period.

8. The method of claim 4 , wherein:
accessing the digital nodes and the digital edges of the social networking system comprises accessing at least one of: a calendar corresponding to the first user on the social networking system, digital comments on social networking posts corresponding to the first user on the social networking system, a list of items of interest of the first user on the social networking system, or historical interactions of the first user via the social networking system; and
comparing the digital nodes and the digital edges with the transaction details of the payment to determine the digital security risk comprises at least one of:
comparing a location corresponding to the transaction details to the calendar corresponding to the first user on the social networking system;
comparing the second user to the digital comments on the social networking posts corresponding to the first user on the social networking system;
comparing the transaction details with the items of interest of the first user on the social networking system; or
comparing the second user with the historical interactions of the first user via the social networking system.

9. The method of claim 4 , wherein providing authorization for payment, via the payment network, from the first user to the second user further comprises:
determining, from a plurality of users of the social networking system, a subset of authorized users that have permissions to interact with the first user via the social networking system; and
determining that the digital security risk falls below the threshold based on determining that the second user is one of the subset of authorized users from the plurality of users that have permissions to interact with the first user via the social networking system.

10. A system comprising:
at least one processor; and
at least one non-transitory computer readable storage medium storing instructions that, when executed by the at least one processor, cause one or more servers to:
associate a plurality of digital visual codes with a corresponding plurality of users profiles of a social networking system, the plurality of digital visual codes comprising a first digital visual code encoding an indicator of a first user of the social networking system and the plurality of user profiles comparing a first user profile corresponding to payment credentials for the first user;
provide the first digital visual code encoding the indicator of the first user of the social networking system for display to a first computing device corresponding to the first user;
without providing the payment credentials of the first user to the first computing device of the first user or a second computing device of a second user, authorizing payment between the first user and the second user utilizing the first digital visual code by:
receiving, f

Assignees

• Facebook Inc

Inventors

• Wang Shen
• Mittal Akshay
• Thenpandyian Thilak
• Fogu Francesco
• Jia Yichen
• Song Shuo

Classifications

• G06Q10/40

  Business processes related to social networking or social networking services · CPC title

• G06Q20/387

  Payment using discounts or coupons (relating to marketing G06Q30/02) · CPC title

• G06Q10/48

  using social graphs · CPC title

• G06Q20/384

  using social networks · CPC title

• G06Q20/3274

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