Mobile devices for activating instant disposable payment cards
AssigneePaypal, Inc.
InventorsEgor Kobylkin, Robin Schuil
Life of this patent
Estimating the term…
Abstract
An instant disposable payment card can have a quick response (QR) code. The QR code can be scanned by the user. Scanning the QR code can facilitate activation and/or funding of the instant disposable payment card and/or can facilitate a creation of an account or an activation of a pre-created account at a payment system provider. The user can then use the instant payment card to pay for purchases. A merchant can scan the QR code or swipe a magnetic strip of the instant disposable payment card to effect payment to the merchant for the purchase. An account of the instant disposable payment card can be funded after use thereof to make a purchase.
Claims20
A mobile device comprising:
- an image capture component;
- a GPS receiver configured to determine a location of the mobile device;
- a wireless transceiver providing wireless communication for the mobile device;
- a non-transitory memory;
- and
- one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the mobile device to perform operations comprising:
- in response to detecting a barcode disposed on an instant disposable payment card and captured by the image capture component, determining a pre-created instant disposable card account corresponding to the barcode;
- determining a predetermined location corresponding to the instant disposable card account;
- determining a location of the mobile device using the GPS receiver;
- and
- in response to determining that the location of the mobile device is at or near the predetermined location, initiating communication directly with a payment service provider that causes:
- activation of the instant disposable payment card for a transaction, and
- causes funding of the instant disposable payment card by the payment service provider after the payment service provider receives indication that the transaction has been approved by a user of the mobile device and a merchant.
A method comprising:
- detecting, by an image capture component of a mobile device, a barcode of an instant disposable payment card;
- in response to detecting the barcode captured by the image capture component, determining, by the mobile device, a pre-created instant disposable card account corresponding to the barcode;
- determining, by the mobile device, a predetermined location corresponding to the instant disposable card account;
- determining a location of the mobile device using a GPS receiver of the mobile device;
- and
- in response to determining that the location of the mobile device is at or near the predetermined location, initiating, by the mobile device, communication directly with a payment service provider that causes:
- activation of the instant disposable payment card for a transaction, and
- causes funding of the instant disposable payment card by the payment service provider after the payment service provider receives indication that the transaction has been approved by a user of the mobile device and a merchant.
A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a mobile device to perform operations comprising:
- detecting, by an image capture component of the mobile device, a barcode of an instant disposable payment card;
- in response to detecting the barcode captured by the image capture component, determining, by the mobile device, a pre-created instant disposable card account corresponding to the barcode;
- determining, by the mobile device, a predetermined location corresponding to the instant disposable card account;
- determining a location of the mobile device using a GPS receiver of the mobile device;
- and
- in response to determining that the location of the mobile device is at or near the predetermined location, initiating, by the mobile device, communication directly with a payment service provider that causes:
- activation of the instant disposable payment card for a transaction, and
- causes funding of the instant disposable payment card by the payment service provider after the payment service provider receives indication that the transaction has been approved by a user of the mobile device and a merchant.
Dependencies are inferred from the claim text.