# US 11,443,296 B2 · Methods and systems for e-commerce payment transactions

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- Number: US 11,443,296 B2
- Document ID: US11443296B2
- Status: Granted
- Kind: B2
- Application number: 16/290,093
- Filed: 2019-03-01
- Published: 2020-09-03
- Granted: 2022-09-13
- Earliest claimed: 2019-03-01
- Assignees: Visa International Service Association
- Applicants: Visa International Service Association
- Inventors: Gayathri Venkat; Arvind Santhanaraman; Sanjeev Sharma; Prasanth Yeddula
- Web page: https://patentgrep.com/patent/US11443296B2

## CPC

- G06Q 20/3274: {using a pictured code, e.g. barcode or QR-code, being displayed on the M-device}
- G06Q 20/3276: {using a pictured code, e.g. barcode or QR-code, being read by the M-device}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/24: Credit schemes, i.e. "pay after"
- G06Q 20/26: Debit schemes, e.g. "pay now"
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A merchant website includes a QR code button to initiate a payment transaction. The QR code button is selected by a consumer at checkout. If selected, a QR code is generated on a second computing device. The QR code is displayed on a second computing device and contains embedded data such as a token for a PAN stored in a memory of the second computing device and two cryptograms. A webcam in communication with the first computing device is used to scan the QR code. The data embedded in the QR code is passed from the second computing device to the merchant website via the first computing device and used to complete the payment transaction.

## Claims

### Claim 1

A method for facilitating e-commerce payment comprising computer executable blocks to:
display, via a processor, a merchant website on a display of a first computing device, wherein the merchant website includes a quick response (QR) code button to initiate a payment transaction;
receive, via the processor, a request to pay by a QR code via activation of the QR code button;
in response to receiving a request to pay via the QR code button on the merchant website,
generate, via the processor, for display on a second computing device the QR code, wherein the QR code has embedded data and is associated with a tokenized primary account number for a financial account of a user that is stored in a memory of the second computing device, and wherein the embedded data includes a first cryptogram and a second cryptogram;
activate, via the processor, a webcam in communication with the first computing device, wherein the webcam is used to scan the QR code displayed on the second computing device;
launch, via the processor, a pop-up window on the display of the first computing device;
receive, via the webcam of the first computing device, an image of the second computing device displaying the QR code;
display the image of the second computing device displaying the QR code within the pop-up window of the first computing device;
provide an indication on the first computing device that the QR code has been successfully scanned;
receive, via the processor, the embedded data from the QR code;
in response to receiving the embedded data,
complete the payment transaction using the financial account of the user.

### Claim 2 (depends on 1)

The method of claim 1, wherein the first cryptogram is a dynamic e-commerce cryptogram.

### Claim 3 (depends on 2)

The method of claim 2, further comprising computer executable blocks to:
authenticate the payment transaction via the dynamic e-commerce cryptogram.

### Claim 4 (depends on 1)

The method of claim 1, wherein the second cryptogram is a Transaction Authentication Verification Value (TAVV) cryptogram or a Dynamic Token Transaction Verification Value (DTVV) cryptogram.

### Claim 5 (depends on 1)

The method of claim 1, wherein the embedded data includes payment credentials of the user.

### Claim 6 (depends on 5)

The method of claim 5, wherein the payment credentials include a token for a primary account number and a token expiration date.

### Claim 7 (depends on 1)

The method of claim 1, wherein the primary account number is for a credit card, debit card, or e-gift card.

### Claim 8 (depends on 1)

The method of claim 1, wherein the primary account number is tokenized using an app or a wallet account on the second computing device.

### Claim 9 (depends on 1)

The method of claim 1, further comprising computer executable blocks to:
display a pop-up window on the first computing device to facilitate scanning of the QR code by the webcam.