# US 2018/0322499 A1 · Matching transaction information for payment

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- Number: US 2018/0322499 A1
- Document ID: US20180322499A1
- Status: Published application
- Kind: A1
- Application number: 15/749,017
- Filed: 2015-12-17
- Published: 2018-11-08
- Earliest claimed: 2015-12-17
- Assignees: Hewlett-Packard Development Company, L.P.
- Applicants: Hewlett-Packard Development Company, L.P.
- Inventors: Syed S. Azam; Manny Novoa Houston; James R. Waldron
- Web page: https://patentgrep.com/patent/US20180322499A1

## CPC

- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/3276: {using a pictured code, e.g. barcode or QR-code, being read by the M-device}
- G06Q 20/40145: {Biometric identity checks}
- G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q 30/04: Billing or invoicing
- 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

In example implementations, an apparatus comprising a processor and a non-transitory computer-readable storage medium. The instructions when executed by the processor cause the processor to receive a machine readable code generated by a retailer that includes transaction information, decipher the transaction information from the machine readable code, transmit the transaction information to a third party financial service provider and receive a confirmation that payment has been made to the retailer for a transaction based upon a match of the transaction information to additional transaction information that was sent from the retailer to the third party financial service provider.

## Claims

### Claim 1

An apparatus, comprising:
a processor; and
a non-transitory computer-readable storage medium comprising instructions that, when executed by the processor, cause the processor to:
receive a machine readable code generated by a party that includes transaction information;
decipher the transaction information from the machine readable code;
transmit the transaction information to a third party; and
receive a confirmation that a payment has been made to the party for a transaction based upon a match of the transaction information to additional transaction information that was sent from the party to the third party.

### Claim 2 (depends on 1)

The apparatus of claim 1, wherein the machine readable code is scanned from a receipt, from a point of sale device at the party or a webpage of an online transaction.

### Claim 3 (depends on 1)

The apparatus of claim 1, wherein the machine readable code comprises a quick response (QR) code.

### Claim 4 (depends on 1)

The apparatus of claim 1, further comprising instructions to:
receive an authentication of a user.

### Claim 5 (depends on 1)

The apparatus of claim 1, wherein the transaction information comprises a location information of a user, a store identification, a purchase amount and a transaction identification.

### Claim 6 (depends on 1)

The apparatus of claim 1, wherein the additional transaction information comprises a store identification, a store location, a purchase amount and a transaction identification.

### Claim 7 (depends on 1)

The apparatus of claim 1, further comprising instructions to:
transmit a user defined distress signal that indicates that the transaction information was transmitted under distress causing the payment to be canceled and causing the third party to contact an authority.

### Claim 8 (depends on 1)

The apparatus of claim 1, further comprising instructions to:
transmit an amount threshold based via a fingerprint, wherein different fingerprints associated with different fingers are associated with different amount thresholds.

### Claim 9

A method, comprising:
scanning, by a processor, at least one item selected for purchase by a party;
generating, by the processor, a machine readable code that includes transaction information for the at least one item;
transmitting, by the processor, the transaction information to a third party; and
receiving, by the processor, a confirmation that a payment has been received for the at least one item based upon a match of the transaction information to scanned transaction information that was sent from an endpoint device of the party to the third party.

### Claim 10 (depends on 9)

The method of claim 9, wherein the machine readable code is printed on a receipt, a point of sale device or a webpage of an online transaction.

### Claim 11 (depends on 9)

The method of claim 9, wherein the transaction information comprises a store location, a store identification, a purchase amount and a transaction identification.

### Claim 12 (depends on 11)

The method of claim 11, wherein the store location comprises a location of the party for an online transaction based upon a consumer profile information obtained during a log in by the party to a webpage of a retailer.

### Claim 13 (depends on 9)

The method of claim 9, wherein the scanned transaction information comprises a location information of the party, a store identification, a purchase amount and a transaction identification.

### Claim 14

A non-transitory computer readable storage medium encoded with instructions executable by a processor of a mobile endpoint device, the non-transitory computer-readable storage medium comprising:
instructions to send a request to a third party for a pre-payment to a party;
instructions to receive a machine readable code containing confirmation of the pre-payment to the party; and
instructions to display the machine readable code to be scanned by the party indicating that the pre-payment was sent to the party for at least one item for purchase.

### Claim 15 (depends on 14)

The non-transitory computer readable storage medium of claim 14, wherein the machine readable code comprises a quick response (QR) code.