Mobile device payments
US11562360B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Apr 29, 2022 |
| Grant date | Jan 24, 2023 |
| Priority date | — |
| Expiry date | Apr 29, 2042 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4014
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Methods, systems, and apparatus, including computer programs encoded on computer storage media, for conducting cardless payment transactions. One of the methods includes receiving, in association with a payment transaction, a message from a customer device that includes data from an optical scan of a code displayed at a merchant point-of-sale. A request to authorize a payment for the payment transaction is received from a merchant computer. Customer and merchant accounts are identified and payment data previously associated with the customer account is accessed. The payment is authorized using the payment data, and notification of authorization is sent to the merchant device or customer device.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.