Systems and methods for code display and use

US11720893B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Christian Flurscheim · Walnut Creek, US
• Glenn Powell · Fremont, US
• Christian Aabye · Foster City, US
• Jalpesh Chitalia · Sunnyvale, US
• Erick Wong · Menlo Park, US

Key dates

• Filing date: Jun 16, 2021
• Grant date: Aug 8, 2023
• Expiry date: Jun 16, 2041

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0253
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.