# US 2014/0197234 A1 · Snap Mobile Security Apparatuses, Methods and Systems > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0197234 A1 - Document ID: US20140197234A1 - Status: Published application - Kind: A1 - Application number: 14/216,382 - Filed: 2014-03-17 - Published: 2014-07-17 - Earliest claimed: 2011-02-16 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Ayman Hammad - Web page: https://patentgrep.com/patent/US20140197234A1 ## CPC - G06Q 20/3674: {involving authentication} - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/3276: {using a pictured code, e.g. barcode or QR-code, being read by the M-device} - G06Q 20/36: using electronic wallets or electronic money safes - G06Q 20/384: {using social networks} - G06Q 30/06: Buying, selling or leasing transactions - 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 The SNAP MOBILE SECURITY APPARATUSES, METHODS AND SYSTEMS (hereinafter “SMS”) provide verification, access and security, via SMS components, to virtual wallet based electronic financial transactions. In one implementation, the SMS receives a request from a user's device to decode a scannable code and verify the security of the decoded code's contents. In some implementations, the SMS decodes the scannable code to obtain code contents requesting access to the wallet account. In some implementations, the SMS obtains from the user digital fingerprints of the user device and a request identifier for the request to access the wallet account. In some implementations, the SMS receives from the access requester digital signatures for the requester and the request identifier. In some implementations, the SMS confirms the digital fingerprints of the user device verify the device is authorized to access the wallet account. In some implementations, the SMS confirms the received digital signatures verify the access requester and the request are authorized to access the wallet account. In some implementations, the SMS sends wallet unlock and activity unlock keys to the device for activity access to the wallet. ## Claims ### Claim 1 A snap mobile security processor-implemented method, comprising: receiving, through one or more processors, a request from a user's device to decode a scannable code and verify the security of the decoded code's contents; decoding, through the one or more processors, the scannable code to obtain code contents requesting access to the wallet account; obtaining from the user, through the one or more processors, digital fingerprints of the user device and a request identifier for the request to access the wallet account; receiving from the access requester, through the one or more processors, digital signatures for the requester and the request identifier; confirming, through the one or more processors, that the digital fingerprints of the user device verify the device is authorized to access the wallet account; confirming, through the one or more processors, the received digital signatures verify the access requester and the request are authorized to access the wallet account; and sending, through the one or more processors, wallet unlock and activity unlock keys to the device for activity access to the wallet. ### Claim 2 (depends on 1) The method of claim 1, wherein the scannable code is provided by receiving a snapshot of a quick response (QR) code. ### Claim 3 (depends on 2) The method of claim 2, wherein the wireless mobile communication device is used to capture an image of the QR code. ### Claim 4 (depends on 2) The method of claim 2, wherein the undecoded snapshot is transferred to a security server for decoding the code contents. ### Claim 5 (depends on 4) The system of claim 4, wherein the security server decodes the undecoded code and verifies validity and security of the contents of the decoded code. ### Claim 6 (depends on 5) The method of claim 5, wherein contents of the decoded code contain a Uniform Resource Locator (URL) link that leads to a fraudulent website. ### Claim 7 (depends on 5) The method of claim 5, wherein the decoded code may compromises security of a user's device by subjecting it to malicious attacks. ### Claim 8 (depends on 1) The method of claim 1, wherein the code contents of the decoded code is sent to a security server to verify the validity and security of the contents. ### Claim 9 (depends on 1) The method of claim 1, wherein the contents of the decoded code is determined to pose a security risk to the user device by comparing the decoded code contents to black and white lists of the code contents. ### Claim 10 (depends on 1) The method of claim 1, wherein a user's wireless mobile communications device redirected to a link for the wireless mobile communications device to execute the link. ### Claim 11 (depends on 1) The method of claim 1, wherein based upon retrieved links being determined in the decoded code as secure, a user's wireless mobile communications device launches one or more of the retrieved links. ### Claim 12 (depends on 11) The method of claim 11, wherein a web hosting server responds back to a security server with the requested destination of one of the retrieved links. ### Claim 13 (depends on 12) The method of claim 12, wherein the web hosting server provides a webpage in response to the security server. ### Claim 14 (depends on 13) The method of claim 13, wherein contents of the webpage are provided to the user's wireless mobile communications device. ### Claim 15 (depends on 1) The method of claim 1, wherein based upon verifying security of the decoded contents of the code, the user's wireless mobile communications device executes on the decoded contents. ### Claim 16 (depends on 15) The method of claim 15, wherein the codes include item codes for products. ### Claim 17 (depends on 16) The method of claim 16, wherein the user's wireless mobile communications device launches a URL link to initiate a purchase request. ### Claim 18 (depends on 16) The method of claim 16, wherein the user's wireless mobile communications device downloads and launches an application to initiate a purchase request. ### Claim 19 (depends on 16) The method of claim 16, wherein a webpage at the URL link requests access to a wallet account on the user's wireless mobile communications device to initiate payment for the purchase. ### Claim 20 (depends on 16) The method of claim 16, wherein a webpage at the URL link access to a wallet account on the user's wireless mobile communications device to initiate payment for the purchase. ### Claim 21 (depends on 16) The method of claim 16, wherein a launched app requests access to a wallet account on the user's wireless mobile communications device to initiate payment for the purchase. ### Claim 22 A snap mobile security system, comprising: a processor; and a memory disposed in communication with the processor and storing processor-issuable instructions to: receive a request from a user's device to decode a scannable code and verify the security of the decoded code's contents; decode the scannable code to obtain code contents requesting access to the wallet account; obtain from the user digital fingerprints of the user device and a request identifier for the request to access the wallet account; receive from the access requester digital signatures for the requester and the request identifier; confirm the digital fingerprints of the user device verify the device is authorized to access the wallet account; confirm the received digital signatures verify the access requester and the request are authorized to access the wallet account; and send wallet unlock and activity unlock keys to the device for activity access to the wallet. ### Claim 23 A processor-readable non-transitory medium storing processor-issuable snap mobile security instructions to: receive a request from a user's device to decode a scannable code and verify the security of the decoded code's contents; decode the scannable code to obtain code contents requesting access to the wallet account; obtain from the user digital fingerprints of the user device and a request identifier for the request to access the wallet account; receive from the access requester digital signatures for the requester and the request identifier; confirm the digital fingerprints of the user device verify the device is authorized to access the wallet account; confirm the received digital signatures verify the access requester and the request are authorized to access the wallet account; and send wallet unlock and activity unlock keys to the device for activity access to the wallet.