SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS
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.
1 . A snap payment computer-implemented method, comprising:
obtaining, at a user device, a user input to initiate a purchase transaction;
acquiring an image frame via an image acquisition device operatively connected to the user device;
identifying a payment code depicted within the acquired image frame;
generating, via the user device, a purchase transaction request using the identified payment code;
providing the purchase transaction request for payment processing; and
obtaining a purchase receipt for the purchase transaction.
2 . The method of claim 1 , further comprising:
providing an image of the payment code for purchase transaction processing.
3 . The method of claim 1 , further comprising:
acquiring video including the image frame via the image acquisition device operatively connected to the user device;
extracting the image frame from the acquired video; and
analyzing the image frame to determine whether the image frame includes the depicted payment code.
4 . The method of claim 1 , wherein the user device is a mobile device.
5 . The method of claim 1 , wherein the user input is a touchscreen gesture on a touchscreen operatively connected to the user device.
6 . The method of claim 1 , wherein the payment code is a one-dimensional barcode.
7 . The method of claim 1 , wherein the payment code is a two-dimensional barcode.
8 . The method of claim 7 , wherein the payment code is a Quick Response code.
9 . The method of claim 1 , further comprising:
extracting purchase session data from the payment code; and
wherein the purchase transaction request is generated, via the user device, using the extracted purchase session data.
10 . The method of claim 9 , wherein the purchase session data varies based on user shopping activity with a merchant.
11 . The method of claim 10 , wherein the merchant is an online merchant.
12 . The method of claim 1 , further comprising:
providing a portion of the acquired image frame including the depiction of the payment code to a server; and
obtaining purchase session data from the server in response to providing the portion of the acquired image frame.
13 . The method of claim 9 , wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.
14 . The method of claim 12 , wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.
15 . The method of claim 13 , wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.
16 . The method of claim 14 , wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.
17 . The method of claim 1 , further comprising:
obtaining, for payment processing, payment information associated with a virtual wallet account;
wherein the generated purchase transaction request includes the payment information associated with the virtual wallet account.
18 . The method of claim 17 , wherein the payment information includes a dynamically generated card verification value code.
19 . The method of claim 18 , further comprising:
providing a request for the dynamically generated card verification value code to a server; and
obtaining the dynamically generated card verification value code from the server in response to providing the request.
20 . The method of claim 19 , wherein the dynamically generated card verification value has an expiration time.
21 . The method of claim 19 , wherein the dynamically generated card verification value is specific to a user shopping session with a merchant.
22 . The method of claim 1 , wherein the payment code depicted within the acquired image frame is acquired from the display of a media device, and encodes data to purchase on-demand media content.
23 . The method of claim 22 , wherein the media device is a television.
24 . The method of claim 23 , wherein the television is part of an in-flight entertainment system.
25 . The method of claim 22 , wherein the media device is displaying a webpage.
26 . A snap payment apparatus, comprising:
a processor; and
a memory disposed in communication with the processor and storing processor-executable instructions to:
obtain, at a user device, a user input to initiate a purchase transaction;
acquire an image frame via an image acquisition device operatively connected to the user device;
identify a payment code depicted within the acquired image frame;
generate, via the user device, a purchase transaction request using the identified payment code;
provide the purchase transaction request for payment processing; and
obtain a purchase receipt for the purchase transaction.
27 . The apparatus of claim 26 , the memory further storing instructions to:
provide an image of the payment code for purchase transaction processing.
28 . The apparatus of claim 26 , the memory further storing instructions to:
acquire video including the image frame via the image acquisition device operatively connected to the user device;
extract the image frame from the acquired video; and
analyze the image frame to determine whether the image frame includes the depicted payment code.
29 . The apparatus of claim 26 , wherein the user device is a mobile device.
30 . The apparatus of claim 26 , wherein the user input is a touchscreen gesture on a touchscreen operatively connected to the user device.
31 . The apparatus of claim 26 , wherein the payment code is a one-dimensional barcode.
32 . The apparatus of claim 26 , wherein the payment code is a two-dimensional barcode.
33 . The apparatus of claim 32 , wherein the payment code is a Quick Response code.
34 . The apparatus of claim 26 , the memory further storing instructions to:
extract purchase session data from the payment code; and
wherein the purchase transaction request is generated, via the user device, using the extracted purchase session data.
35 . The apparatus of claim 34 , wherein the purchase session data varies based on user shopping activity with a merchant.
36 . The apparatus of claim 35 , wherein the merchant is an online merchant.
37 . The apparatus of claim 26 , the memory further storing instructions to:
provide a portion of the acquired image frame including the depiction of the payment code to a server; and
obtain purchase session data from the server in response to providing the portion of the acquired image frame.
38 . The apparatus of claim 34 , wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.
39 . The apparatus of claim 37 , wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.
40 . The apparatus of claim 38 , wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.
41 . The apparatus of claim 39 , wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.
42 . The apparatus of claim 26 , the memory further storing instructions to:
obtain, for payment processing, payment information associated with a virtual wallet account;
wherein the generated purchase transaction request includes the payment information associated with the virtual wallet account.
43 . The apparatus of claim 42 , wherein the payment information includes a dynamically generated card verification value code.
44 . The apparatus of claim 43 , the memory further storing instructions to:
provide a request for the dynamically generated card verification value code to a server; and
obtain the dynamically generated card verification value code from the server in response to providing the request.
45 . The apparatus of claim 44 , wherein the dynamically generated card verification value has an expiration time.
46 . The apparatus of claim 44 , wherein the dynamically generated card verification value is specific to a user shopping session with a merchant.
47 . The apparatus of claim 26 , wherein the payment code depicted within the acquired image frame is acquired from the display of a media device, and encodes data to purchase on-demand media content.
48 . The apparatus of claim 47 , wherein the media device is a television.
49 . The apparatus of claim 48 , wherein the television is part of an in-flight entertainment system.
50 . The apparatus of claim 47 , wherein the media device is displaying a webpage.
51 . A snap payment means, comprising:
means for obtaining, at a user device, a user input to initiate a purchase transaction;
means for acquiring an image frame via an image acquisition device operatively connected to the user device;
means for identifying a payment code depicted within the acquired image frame;
means for generating, via the user device, a purchase transaction request using the identified payment code;
means for providing the purchase transaction request for payment processing; and
means for obtaining a purchase receipt for the purchase transaction.
52 . The means of claim 51 , further comprising:
means for providing an image of the payment code for purchase transaction processing.
53 . The means of claim 51 , further comprising:
means for acquiring video including the image frame via the image acquisition device operatively connected to the user device;
means for extracting the image frame from the acquired video; and
means for analyzing the image frame to determine whether the image frame includes the depicted payment code.
54 . The means of claim 51 , wherein the user device is a mobile device.
55 . The means of claim 51 , wherein the user input is a touchscreen gesture on a touchscreen operatively connected to the user device.
56 . The means of claim 51 , wherein the payment code is a one-dimensional barcode.
57 . The means of claim 51 , wherein the payment code is a two-dimensional barcode.
58 . The means of claim 57 , wherein the payment code is a Quick Response code.
59 . The means of claim 51 , further comprising:
means for extracting purchase session data from the payment code; and
means for wherein the purchase transaction request is generated, via the user device, using the extracted purchase session data.
60 . The means of claim 59 , wherein the purchase session data varies based on user shopping activity with a merchant.
61 . The means of claim 60 , wherein the merchant is an online merchant.
62 . The means of claim 61 , further comprising:
means for providing a portion of the acquired image frame including the depiction of the payment code to a server; and
means for obtaining purchase session data from the server in response to providing the portion of the acquired image frame.
63 . The means of claim 59 , wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.
64 . The means of claim 62 , wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.
65 . The means of claim 63 , wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.
66 . The means of claim 64 , wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.
67 . The means of claim 51 , further comprising:
means for obtaining, for payment processing, payment information associated with a virtual wallet account;
wherein the generated purchase transaction request includes the payment information associated with the virtual wallet account.
68 . The means of claim 67 , wherein the payment information includes a dynamically generated card verification value code.
69 . The means of claim 68 , further comprising:
means for providing a request for the dynamically generated card verification value code to a server; and
means for obtaining the dynamically generated card verification value code from the server in response to providing the request.
70 . The means of claim 69 , wherein the dynamically generated card verification value has an expiration time.
71 . The means of claim 69 , wherein the dynamically generated card verification value is specific to a user shopping session with a merchant.
72 . The means of claim 51 , wherein the payment code depicted within the acquired image frame is acquired from the display of a media device, and encodes data to purchase on-demand media content.
73 . The means of claim 72 , wherein the media device is a television.
74 . The means of claim 73 , wherein the television is part of an in-flight entertainment system.
75 . The means of claim 72 , wherein the media device is displaying a webpage.
76 . A computer-readable tangible medium storing computer-executable snap payment instructions to:
obtain, at a user device, a user input to initiate a purchase transaction;
acquire an image frame via an image acquisition device operatively connected to the user device;
identify a payment code depicted within the acquired image frame;
generate, via the user device, a purchase transaction request using the identified payment code;
provide the purchase transaction request for payment processing; and
obtain a purchase receipt for the purchase transaction.
77 . The medium of claim 76 , further storing instructions to:
provide an image of the payment code for purchase transaction processing.
78 . The medium of claim 76 , further storing instructions to:
acquire video including the image frame via the image acquisition device operatively connected to the user device;
extract the image frame from the acquired video; and
analyze the image frame to determine whether the image frame includes the depicted payment code.
79 . The medium of claim 76 , wherein the user device is a mobile device.
80 . The medium of claim 76 , wherein the user input is a touchscreen gesture on a touchscreen operatively connected to the user device.
81 . The medium of claim 76 , wherein the payment code is a one-dimensional barcode.
82 . The medium of claim 76 , wherein the payment code is a two-dimensional barcode.
83 . The medium of claim 82 , wherein the payment code is a Quick Response code.
84 . The medium of claim 76 , further storing instructions to:
extract purchase session data from the payment code; and
wherein the purchase transaction request is generated, via the user device, using the extracted purchase session data.
85 . The medium of claim 84 , wherein the purchase session data varies based on user shopping activity with a merchant.
86 . The medium of claim 85 , wherein the merchant is an online merchant.
87 . The medium of claim 76 , further storing instructions to:
provide a portion of the acquired image frame including the depiction of the payment code to a server; and
obtain purchase session data from the server in response to providing the portion of the acquired image frame.
88 . The medium of claim 84 , wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.
89 . The medium of claim 87 , wherein the purchase session data includes a merchant identifier, and a session identifier for a user shopping session with a merchant associated with the merchant identifier.
90 . The medium of claim 88 , wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.
91 . The medium of claim 89 , wherein the session identifier is configured to serve as a token parameter in a uniform resource locator for data on the user shopping session with the merchant.
92 . The medium of claim 76 , further storing instructions to:
obtain, for payment processing, payment information associated with a virtual wallet account;
wherein the generated purchase transaction request includes the payment information associated with the virtual wallet account.
93 . The medium of claim 92 , wherein the payment information includes a dynamically generated card verification value code.
94 . The medium of claim 93 , further storing instructions to:
provide a request for the dynamically generated card verification value code to a server; and
obtain the dynamically generated card verification value code from the server in response to providing the request.
95 . The medium of claim 94 , wherein the dynamically generated card verification value has an expiration time.
96 . The medium of claim 94 , wherein the dynamically generated card verification value is specific to a user shopping session with a merchant.
97 . The medium of claim 76 , wherein the payment code depicted within the acquired image frame is acquired from the display of a media device, and encodes data to purchase on-demand media content.
98 . The medium of claim 97 , wherein the media device is a television.
99 . The medium of claim 98 , wherein the television is part of an in-flight entertainment system.
100 . The medium of claim 97 , wherein the media device is displaying a webpage.