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US 11,900,388 B2Granted
Transaction processing using optically encoded information
AssigneeBlock, Inc.
InventorWilliam Henderson
Life of this patent
Estimating the term…
Abstract
A computer-implemented method for providing payment account information in a user account by receiving payment card information by a card reader at a point of sale. An account can be created when the payment card information is read by the card reader. Optionally, a gift card can be scanned prior to the creation of the account, and the gift card information can be combined with the payment card information. The gift card can be an electronic gift card which can be personalized with textual, visual, video, and/or audio portions.
Claims24
A method comprising:
- personalizing, for a user, an optical representation that includes an optical code that optically encodes information for use in a transaction;
- providing the optical representation to the user;
- receiving optical information from a transaction device having a camera based on a decoding of the optical code using an image of the optical representation that is captured by the camera while the transaction device is in proximity to the optical representation, the optical information including the information for use in the transaction;
- determining an identity of the user based on the receiving of the optical information from the transaction device;
- retrieving payment information from a database based on the payment information being associated with the identity of the user in the database in response to the determining of the identity based on the receiving of the optical information;
- combining, before processing of the transaction, the payment information retrieved from the database and the information for use in the transaction into a combination;
- providing, before the processing of the transaction, transaction instructions to the transaction device to cause the transaction device to facilitate the processing of the transaction using the combination at least in part by using the payment information retrieved from the database for payment for at least a payment portion of the processing of the transaction and using the information for use in the transaction for at least one aspect of the processing of the transaction;
- and
- associating a user account of the user with the combination of the payment information retrieved from the database and the information for use in the transaction.
6 more elements
A system comprising:
- at least one processor;
- and
- at least one memory communicatively coupled to the at least one processor and storing instructions that, when executed by the at least one processor, cause the at least one processor to:
- personalize, for a user, an optical representation that includes an optical code that optically encodes information for use in a transaction;
- provide the optical representation to the user;
- receive optical information from a camera based on a decoding of the optical code using an image of the optical representation that is captured by the camera while the camera is in proximity to the optical representation, the optical information including the information for use in the transaction;
- determine an identity of the user based on the receiving of the optical information;
- retrieve payment information from a database based on the payment information being associated with the identity of the user in the database in response to the determining of the identity based on the receiving of the optical information;
- combine, before processing of the transaction, the payment information retrieved from the database and the information for use in the transaction into a combination;
- provide, before the processing of the transaction, transaction instructions to facilitate the processing of the transaction using the payment information retrieved from the database for at least a payment portion of the processing of the transaction and using the information for use in the transaction for at least one aspect of the processing of the transaction;
- and
- associate a user account of the user with the combination of the payment information retrieved from the database and the information for use in the transaction.
9 more elements
Dependencies are inferred from the claim text.