Camera as a Vehicle to Identify a Merchant Access Device
AssigneeVisa International Service Association
InventorPeter Ciurea
Life of this patent
Estimating the term…
Abstract
Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction.
Claims20
A mobile communication device associated with a consumer, the mobile communication device comprising a processor, a computer readable storage medium, and software stored on the computer readable storage medium, the software, when executed by the processor, being operable to cause the mobile communication device to perform functions including:
- acquiring, during a transaction between the consumer and a merchant via a merchant access device associated with the merchant, an image of the merchant access device, the image including characteristics of the merchant access device;
- and
- communicating the image to a server computer;
- wherein the server computer subsequently identifies the merchant access device from a plurality of merchant access devices using the characteristics of the merchant access device included in the communicated image.
A method for facilitating a transaction between a consumer and a merchant, comprising:
- acquiring, during a transaction between the consumer and the merchant via a merchant access device associated with the merchant, an image of the merchant access device, the image including characteristics of the merchant access device;
- and
- communicating the image to a server computer;
- wherein the server computer subsequently identifies the merchant access device from a plurality of merchant access devices using the characteristics of the merchant access device included in the communicated image.
A server computer comprising a processor, a computer readable storage medium, and software stored on the computer readable storage medium, the software, when executed by the processor, being operable to cause the server computer to perform functions including:
- receiving, during a transaction between a consumer and a merchant via a merchant access device associated with the merchant, an image of the merchant access device, the image including characteristics of the merchant access device;
- identifying the merchant access device from a plurality of merchant access devices using the characteristics of the merchant access device included in the received image;
- and
- sending an authorization response message to the merchant access device, wherein the authorization response message indicates whether or not the transaction is approved.
A method for facilitating a transaction between a consumer and a merchant, comprising:
- receiving, during a transaction between a consumer and a merchant via a merchant access device associated with the merchant, an image of the merchant access device, the image including characteristics of the merchant access device;
- identifying the merchant access device from a plurality of merchant access devices using the characteristics of the merchant access device included in the received image;
- and
- sending an authorization response message to the merchant access device, wherein the authorization response message indicates whether or not the transaction is approved.
Dependencies are inferred from the claim text.