# US 2018/0025352 A1 · Single use qr code authorization system

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- Number: US 2018/0025352 A1
- Document ID: US20180025352A1
- Status: Published application
- Kind: A1
- Application number: 15/679,230
- Filed: 2017-08-17
- Published: 2018-01-25
- Earliest claimed: 2013-03-12
- Inventors: Larry J. Kane
- Web page: https://patentgrep.com/patent/US20180025352A1

## CPC

- G06Q 20/385: {using an alias or single-use codes}
- G06Q 20/3274: {using a pictured code, e.g. barcode or QR-code, being displayed on the M-device}
- 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

An electronic secured payment system where a single use QR Code is assigned to a consumer account, displayed on a consumer's electronic device, and scanned by a merchant's device to permit a merchant to access and verify the consumer's account and enter transaction information.

## Claims

### Claim 1

A system for making a secured transaction, comprising:
a website having a link connected to a processor via an electronic network;
a database connected to the processor;
a single use random qualifier temporarily stored within the database;
a consumer account associated with personal information of a consumer including a photograph of the consumer and a personal identification number stored in the database;
a single use code having the link including the single random qualifier and displayed on a consumer's electronic device entry of the personal identification by a consumer; and
wherein, upon capturing the displayed single use code by a merchant, the consumer account, including the photo of the consumer, is displayed on the merchant's electronic device.

### Claim 2

A method for making a secured electronic payment comprising the steps of:
establishing a consumer account by accessing a website via an electronic network and providing personal information including a photo of a consumer through a consumer's electronic device;
storing a temporary single use random qualifier in a database connected to a processor that is connected to the website via the electronic network;
constructing a single use code that includes a link to the website and the single use random qualifier by the processor upon initiation of a transaction;
transmitting the constructed single use code to the consumer's electronic device and displaying the constructed single use code on the consumer's electronic device; and
capturing the displayed single use code and displaying the consumer's account including the photo of the consumer on the merchant's electronic device.

### Claim 3 (depends on 2)

The method of claim 2 further comprising the step of inputting a tip amount by the consumer.

### Claim 4 (depends on 2)

The method of claim 2 further comprising the step of inputting a cashback amount by the consumer.

### Claim 5 (depends on 2)

The method of claim 2 further comprising the step of accepting a transaction by the merchant.

### Claim 6 (depends on 2)

The method of claim 2 further comprising the step of declining a transaction by the merchant.

### Claim 7 (depends on 6)

The method of claim 6 further comprising the step of authorizing a transfer of funds from a consumer's bank account to a merchant's bank account upon acceptance of a transaction.