Snap mobile payment apparatuses, methods and systems

US11288661B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Ayman Hammad · Pleasanton, US
• Igor Karpenko · Sunnyvale, US
• Miroslav Gavrilov · Santa Clara, US
• Abhinav Shrivastava · Seattle, US
• Mark Carlson · Rue de l'Église, US
• Prakash Prem Hariramani · San Francisco, US

Key dates

• Filing date: Jun 25, 2018
• Grant date: Mar 29, 2022
• Expiry date: Aug 29, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/06
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.