Snap mobile payment apparatuses, methods and systems

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.

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.