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

Patent metadata

Field	Value
Publication number	US-2017344994-A1
Application number	US-201615164631-A
Country	US
Kind code	A1
Filing date	May 25, 2016
Priority date	May 25, 2016
Publication date	Nov 30, 2017
Grant date	—

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 a plurality of digital visual codes with a corresponding plurality of users, the plurality of digital visual codes comprising a first digital visual code associated with a first user; providing, by at least one processor, the first digital visual code for display to a first computing device corresponding to the first user; receiving, from a second computing device associated with a second user, an 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 displayed on the first computing device; in response to identifying the first user based on the received indicator and the database, providing authorization for payment, by the at least one processor and a payment network, from the first user to the second user; and generating a second digital visual code and associating the second digital visual code with the first user 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 users comprises: associating the indicator with the first user; 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 2 , wherein generating a second digital visual code and associating the second digital visual code with the first user 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 comprises: associating a second indicator with the first user.

4 . The method of claim 1 , further comprising:
in response to identifying the first user based on the received indicator, sending a confirmation request to the first computing device associated with the first user; and providing authorization for the payment upon receiving a confirmation from the first computing device.

5 . The method of claim 1 , wherein associating the plurality of digital visual codes with the corresponding plurality of users comprises: generating the first digital visual code by embedding data regarding the first user's interests in the first digital visual code from a social networking system, such that upon scanning the first digital visual code, the data regarding the first user's interests is provided.

6 . The method of claim 1 , further comprising:
providing the second digital visual code for display to the first computing device corresponding to the first user; receiving, from a third computing device associated with a third user, a second indicator of the first user and a 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 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 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 1 , wherein receiving the indicator of the first user and the payment amount further comprises: receiving a username of the first user corresponding to a social networking system.

9 . The method of claim 1 , wherein providing authorization for payment, via the payment network, from the first user to the second user further comprises:
maintaining a social networking system comprising a plurality of users; defining a subset of authorized users of the plurality of users of the social networking system that can utilize the first digital visual code associated with the first user; and determining that the subset of users comprises the second user.

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 the system to:
associate a plurality of digital visual codes with a corresponding plurality of users, the plurality of digital visual codes comprising a first digital visual code associated with a first user;
provide the first digital visual code for display to a first computing device corresponding to the first user;
receive, from a second computing device associated with a second user, an 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 displayed on the first computing device;
in response to identifying the first user based on the received indicator and the database, provide authorization for payment, via a payment network, from the first user to the second user; and
generate a second digital visual code and associate the second digital visual code with the first user 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.

11 . The system of claim 10 , wherein
associating the plurality of digital visual codes with the corresponding plurality of users comprises: associating the indicator with the first user; 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; and generating a second digital visual code and associating the second digital visual code with the first user 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 comprises comprises: associating a second indicator with the first user.

12 . The system of claim 10 , wherein associating the plurality of digital visual codes with the corresponding plurality of users comprises: generating the first digital visual code by embedding data regarding the first user in the first digital visual code from a social networking system, such that, upon scanning the first digital visual code, the data regarding the first user is provided.

13 . The system of claim 10 , further comprising instructions that, when executed by the at least one processor, cause the system to: provide the second digital visual code for display to the first computing device corresponding to the first user.

14 . The system of claim 10 , wherein providing authorization for payment, via the payment network, from the first user to the second user further comprises:
maintaining a social networking system comprising a plurality of users; defining a subset of authorized users of the plurality of users of the social networking system that can utilize the first digital visual code associated with the first user; and determining that the subset of users comprises the second user.

15 . A method comprising:
identifying, by a first computing device, a product and a product cost; scanning, by the first computing device, a digital visual code displayed on a mobile device of a payor, wherein the digital visual code is generated by a social network

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

• G06Q20/405 Primary

  Establishing or using transaction specific rules · CPC title

• G06Q20/3274

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

• G06Q20/387

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

• G06Q50/01

  Physics · mapped topic