Payment processing with automatic no-touch mode selection
AssigneeScvngr, Inc.
InventorSeth Priebatsch
Life of this patent
Estimating the term…
Abstract
A “no-touch” mobile checkout experience frees consumers from the need to manually locate and activate a mobile payment application in order to complete a transaction. The consumer simply brings his mobile device within close range of an interface console, which in various embodiments prompts the device to launch an application that causes display of a payment token without user action. If the consumer's device is not NFC-capable, the interface console can read a displayed token optically in the usual fashion.
Claims11
A method of processing a transaction between a consumer and a merchant, the method comprising:
- receiving, from a remote token-generating server, a token by a device of the consumer and storing the token in a memory of the device;
- positioning, by the consumer, a display of the device within view of an optical scanner of a merchant checkout system capable of NFC communications;
- if the device is NFC enabled and within NFC range of the checkout system, (i) establishing, without action by the consumer, an NFC communication channel between the device and the checkout system, (ii) communicating, by the checkout system, over the communication channel a request to display the stored token, (iii) in response to the request, displaying, by the device, the stored token, (iv) optically reading and electronically decoding, by the checkout system, the token upon presentation thereof by the device, and (v) completing, by the checkout system, the transaction based at least in part on the decoded token information;
- and
- if the device is incapable of NFC communications, (i) in response to an action by the consumer, displaying, by the device, the stored token, (ii) optically reading and electronically decoding, by the checkout system, the token upon presentation thereof by the device, and (iii) completing, by the checkout system, the transaction based at least in part on the decoded token information.
The method of 1, wherein the device is NFC-enabled and polls its environment, by regularly transmitting an NFC signal, for NFC circuitry within NFC range.
A checkout system comprising:
- NFC circuitry for (i) establishing a communication channel with an NFC-enabled device within an NFC range and (ii) communicating over the communication channel a request to display a token;
- an optical scanner for reading an optically displayed token within a field of view of the scanner;
- reading circuitry, responsive to the optical scanner, for electronically decoding the token;
- and
- a processor, operatively coupled to the NFC circuitry and to the scanner, for completing the transaction based at least in part on the decoded token and, if a device in proximity to the NFC circuitry is not NFC-enabled, causing the optical scanner to read a token displayed on the device upon presentation thereof and causing the reading circuitry to electronically decode the displayed token, and completing the transaction based at least in part on the decoded token information.
A wireless device comprising:
- a processor;
- a memory;
- a display;
- telecommunication circuitry for establishing, via the public telephone network, a channel for secure data exchange with a remote token-generating server;
- NFC circuitry for establishing NFC communications with an NFC-capable merchant checkout system;
- and
- a control application, executable by the processor and configured for:
- (i) causing storage, in the memory, of a token received from the token-generating server by the telecommunication circuitry;
- (ii) causing display of an action button on the display;
- (iii) causing the NFC circuitry to monitor for availability of NFC;
- (iv) where NFC availability is detected by the NFC circuitry, autonomously establishing an NFC communication channel, detecting an external request received via the NFC channel to display the stored token, and in response, causing the stored token to appear on the display without user action, and
- (v) where NFC availability is not detected by the NFC circuitry, causing the stored token to appear on the display only upon user selection of the displayed button.
Dependencies are inferred from the claim text.