SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS

摘要

The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS ("SNAP") transform real-time generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction. WO 2012/112822 PCT/US2012/025530 Cc, _00 =3 0 CNJ) CI) 0-) cc Cc 0 wU 0.) / -0 Cc / U) o c E U o 0 0 u0 a C'w 0CN'J i 'a 0A m~ u 0 _ r 00 0 U) 0 _ o C,)C4 c C', Lro Cc U) _0 Q)- U5 CDC U, m- cc oE Q) M-c E2 CC . - w = > Mo co m-