Processing payments for an online marketplace

Patent metadata

Field	Value
Publication number	US-2020242585-A1
Application number	US-202016846802-A
Country	US
Kind code	A1
Filing date	Apr 13, 2020
Priority date	Mar 3, 2014
Publication date	Jul 30, 2020
Grant date	—

Abstract

Disclosed herein are systems, methods, and computer-readable storage devices for enabling users of mobile devices to load funds onto an account with an online marketplace. Instead of linking a payment card with the account, or requiring users to purchase a plastic card from a retailer, a user enrolls his account with the online marketplace to generate a barcode that can be rendered on the mobile device. The user presents the barcode to a merchant for scanning. The merchant scans the barcode to retrieve a serial number, which is submitted to the online marketplace to uniquely identify the user's account. Then the user can provide funds to the merchant for loading onto the account, and the merchant can use existing payment infrastructure for processing traditional physical plastic cards for loading funds. This approach avoids costs associated with distributing, manufacturing, and stocking plastic cards, and also saves shelf space at retail locations.

First claim

What is being claimed is:

1 . A method for generating a machine readable code, the method comprising:
transmitting, over a network to a server, a request to generate a machine reachable code associated with a user account; receiving, over the network from the server, a unique code associated with the user account and assigned by the server; generating, at a mobile device, the machine readable code based on the unique code, the machine readable code including the unique code and additional data; presenting, at a terminal, the machine readable code to process a transaction to apply a payment amount to the user account; in response to the transaction being processed, receiving, at the mobile device, a notification the transaction was successful.

2 . The method of claim 1 , wherein the additional data including at least one of location data, user account data, authentication credentials, an amount associated with the payment transaction, a device identifier, a device type, a timestamp, or a personal identification number (PIN).

3 . The method of claim 1 , wherein the additional data is an embedded timestamp which limits the machine readable code to being used within a specific period of time.

4 . The method of claim 1 , further comprising:
in response to the transaction being processed, receiving, over the network from the server, an updated unique code, wherein the updated unique code replaces the unique code; and generating, at the mobile device, an updated machine readable code based on the updated unique code, the updated machine readable code including the updated unique code and updated additional data.

5 . The method of claim 1 , wherein a type of the machine readable code is based on a location of the terminal.

6 . The method of claim 1 , wherein the additional data is location data of the mobile device, and,
in response to the transaction being processed, receiving, at the mobile device, a notification additional authentication based on the location data was successful.

7 . The method of claim 1 , wherein the machine-readable code comprises at least one of a quick response (QR) code, a linear barcode, a two dimensional barcode, or a matrix barcode.

8 . The method of claim 1 , further comprising:
presenting, on a display of the mobile device, a balance of the user account.

9 . A device for generating a machine readable code, the device comprising:
a processor; and a memory storing instructions, which when executed by the processor, causes the processor to:
transmit, over a network to a server, a request for a machine reachable code associated with a user account;
receive, over the network from the server, a unique code associated with the user account and assigned by the server;
generate the machine readable code based on the unique code, the machine readable code including the unique code and additional data;
present, at a terminal, the machine readable code to process a transaction to apply a payment amount to the user account;
in response to the transaction being processed, receiving a notification the transaction was successful.

10 . The device of claim 9 , wherein the additional data including at least one of location data, user account data, authentication credentials, an amount associated with the payment transaction, a device identifier, a device type, a timestamp, or a personal identification number (PIN).

11 . The device of claim 9 , wherein the additional data is an embedded timestamp which limits the machine readable code to being used within a specific period of time.

12 . The device of claim 9 , wherein the memory further storing instructions, which when executed by the processor causes the processor to:
in response to the transaction being processed, receive, over the network from the server, an updated unique code, wherein the updated unique code replaces the unique code; and generate, an updated machine readable code based on the updated unique code, the updated machine readable code including the updated unique code and updated additional data.

13 . The device of claim 9 , wherein a type of the machine readable code is based on a location of the terminal.

14 . The device of claim 9 , wherein the additional data is location data of the device, and, the memory further storing instructions, which when executed by the processor causes the processor to:
in response to the transaction being processed, receive, a notification additional authentication based on the location data was successful.

15 . The device of claim 9 , wherein the machine-readable code comprises at least one of a quick response (QR) code, a linear barcode, a two dimensional barcode, or a matrix barcode.

16 . The device of claim 9 , further comprising:
presenting, on a display, a balance of the user account.

17 . A non-transitory computer readable medium storing instructions, which when executed by a processor of a device, causes the processor to:
transmit, over a network to a server, a request for a machine reachable code associated with a user account; receive, over the network from the server, a unique code associated with the user account and assigned by the server; generate the machine readable code based on the unique code, the machine readable code including the unique code and additional data; present, at a terminal, the machine readable code to process a transaction to apply a payment amount to the user account; in response to the transaction being processed, receiving a notification the transaction was successful.

18 . The non-transitory computer readable medium of claim 17 , wherein the additional data including at least one of location data, user account data, authentication credentials, an amount associated with the payment transaction, a device identifier, a device type, a timestamp, or a personal identification number (PIN).

19 . The non-transitory computer readable medium of claim 17 , wherein the memory further storing instructions, which when executed by the processor causes the processor to:
in response to the transaction being processed, receive, over the network from the server, an updated unique code, wherein the updated unique code replaces the unique code; and generate, an updated machine readable code based on the updated unique code, the updated machine readable code including the updated unique code and updated additional data.

20 . The non-transitory computer readable medium of claim 17 , wherein the machine-readable code comprises at least one of a quick response (QR) code, a linear barcode, a two dimensional barcode, or a matrix barcode.

Assignees

• Apple Inc

Inventors

• Meere Lorraine
• Epis Glenn D

Classifications

• G06Q20/401

  Transaction verification · CPC title

• G06Q20/3274 Primary

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

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/204

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