Re-using payment instruments for in-store use systems and methods

US12243047B2 · kind B2 · utility

Assignee

• Walmart Apollo, LLC · US

Inventors

• Bradley Joseph Kieffer · Rogers, US
• Mark Matthews · Rogers, US
• Eytan Daniyalzade · San Francisco, US
• David Martin Nelms · Rogers, US
• Prasanna Rajendran · Bentonville, US
• Charles David Berry · Fayetteville, US
• Daniel Eckert · Rogers, US

Key dates

• Filing date: Jan 20, 2023
• Grant date: Mar 4, 2025
• Expiry date: Jan 20, 2043

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/40
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Provided are a re-using e-commerce payment instruments for in-store purchasing systems and methods. A customer enters a check out and a transaction at the point of sale is started. The system receives a pairing request at a wallet processor from a customer mobile device operating a mobile application. This pairing request is created and sent in response to scanning of a code having a transaction identification. The system associates a customer payment profile with the transaction identification and sends associated information to the point of sale. The point of sale sends an amount of sale to authorize to the wallet processor after completing scanning of items. The system creates an authorization for payment and sending the authorization for payment to an authorizer. The transaction may then be completed by processing payment.