US 8,939,360 B2Granted

Providing user information by presenting readable indicia with mobile device

AssigneeBank of America Corporation

InventorGlenn Grossman

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Abstract

Embodiments of the invention are directed to systems, methods and computer program products for providing user information to a merchant during a transaction. Embodiments may generate a readable indicia encoding user information and initiate display of the readable indicia on a display for presentation to the merchant such that the merchant may read the readable indicia and determine the user information stored in the readable indicia. Some embodiments receive and store the user information in the memory device, and receive user input requesting generation of the readable indicia. Some embodiments receive and store a plurality of profiles, where each profile is associated with some or all the stored user information and receives user input selecting one of the profiles, and receive user input requesting generation of the readable indicia based on the selected profile.

Claims21

Dependent claims

A system for providing user information to a merchant during a transaction, the system comprising:

a memory device storing computer executable code;
a processing device to execute the computer executable code to cause the processing device to:
receive and store user information, wherein:
the user information is selected by a user;
the user information comprises user identification information comprising name information and contact information comprising a preferred email address or phone number;
and
storing the user information comprises storing a plurality of user profiles each associated with some or all the user information, wherein the plurality of user profiles comprises at least one of a low information profile, a medium information profile, and a high information profile;
receive user input from the user selecting one of the user profiles and requesting generation of a readable indicia encoding the selected one of the user profiles;
generate the readable indicia encoding the selected user profile and the user information associated with the selected user profile;
initiate display of the readable indicia on a display for presentation to the merchant such that the merchant may read the readable indicia and determine some or all of the user information stored in the readable indicia, wherein reading the readable indicia further comprises:
determining whether the user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile;
receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential;
and
validating the one or more received authentication credentials;
store the determined user profile in a user file;
initiate communication to the mobile device of the user requesting updated user information associated with the determined user profile;
receive updated user information from the user;
and
store the updated user information in the user file.

16 more elements

A computer program product configured for providing user information to a merchant during a transaction, the computer program product comprising a non-transient computer readable medium having computer executable code stored thereon to cause a processing device to:

receive and store user information, wherein:
the user information is selected by a user;
the user information comprises user identification information comprising name information and contact information comprising a preferred email address or phone number;
and
storing the user information comprises storing a plurality of user profiles each associated with some or all the user information, wherein the plurality of user profiles comprises at least one of a low information profile, a medium information profile, and a high information profile;
receive user input from the user selecting one of the user profiles and requesting generation of a readable indicia encoding the selected one of the user profiles;
generate the readable indicia encoding the selected user profile and the user information associated with the selected user profile;
initiate display of the readable indicia on a display for presentation to the merchant such that the merchant may read the readable indicia and determine some or all of the user information stored in the readable indicia, wherein reading the readable indicia further comprises:
determining whether the user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile;
receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential;
and
validating the one or more received authentication credentials;
store the determined user profile in a user file;
initiate communication to the mobile device of the user requesting updated user information associated with the determined user profile;
receive updated user information from the user;
and
store the updated user information in the user file.

14 more elements

A computer-implemented method for providing user information to a merchant during a transaction, the method comprising:

providing a memory device storing computer executable code and a processing device to execute the computer executable code to cause the processing device to:
receive and store user information, wherein:
the user information is selected by a user;
the user information comprises user identification information comprising name information and contact information comprising a preferred email address or phone number;
and
storing the user information comprises storing a plurality of user profiles each associated with some or all the user information, wherein the plurality of user profiles comprises at least one of a low information profile, a medium information profile, and a high information profile;
receive user input from the user selecting one of the user profiles and requesting generation of a readable indicia encoding the selected one of the user profiles;
generate the readable indicia encoding the selected user profile and the user information associated with the selected user profile;
initiate display of the readable indicia on a display for presentation to the merchant such that the merchant may read the readable indicia and determine some or all of the user information stored in the readable indicia, wherein reading the readable indicia further comprises:
determining whether the user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile;
receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential;
and
validating the one or more received authentication credentials;
store the determined user profile in a user file;
initiate communication to the mobile device of the user requesting updated user information associated with the determined user profile;
receive updated user information from the user;
and
store the updated user information in the user file.

15 more elements

Dependencies are inferred from the claim text.

Facts

Application: 13/732,377Filed 1 Jan 2013
Published: US 2014/0183257 A13 Jul 2014
Granted: 27 Jan 2015
Term ends: Not estimatedThe source records don’t support an estimate.

Classification4 codes

G06Q 20/382
Payment protocols; Details thereof: insuring higher security of transaction
G06Q 20/20
Payment architectures: point-of-sale [POS] network systems
G06Q 20/3276
Short range or proximity payments by means of M-devices: using a pictured code, e.g. barcode or QR-code, being read by the M-device
G06Q
Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial