Payment system and method
US10528935B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Nov 12, 2012 |
| Grant date | Jan 7, 2020 |
| Priority date | — |
| Expiry date | Apr 30, 2033 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q2220/10
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A smartphone (106) with a processor (150) can execute program instructions to cause currency transfers transactions to be made to accounts associated with other smartphones and to interact with an application server (102) or merchant terminal (108). The smartphone can scan a quick response (QR) code and decode the QR code to recover encoded data. The smartphone can use the encoded data, alone or with other data, such as data from a user profile, to obtain promotional vouchers from the merchant server. The smart phone can initiate redemption of the promotional vouchers. The smartphone can display a validation form to prompt capturing images of items an application server can use to validate payment instruments and accounts. The validation form may prompt a user to capture images of a driver's license, a payment instrument, an invoice, or a passport. Smartphone communication with the application server can include device identifier such as MSISDN, IMEI, or IMSI.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.