Camera as a vehicle to identify a merchant access device

摘要

Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction.

主权项

1. A server computer comprising a processor, a computer readable storage medium, and software stored on the computer readable storage medium, the software, when executed by the processor, causing the server computer to perform operations including:
receiving, during a transaction between a consumer and a merchant performed via a merchant access device associated with the merchant, from a mobile communication device associated with the consumer and used by the consumer to facilitate the transaction between the consumer and the merchant, an image of the merchant access device, the image including structural elements of the merchant access device located outside of an electronic display of the merchant access device, the merchant access device being one of a plurality of different merchant access devices associated with the merchant; identifying the merchant access device from the plurality of merchant access devices associated with the merchant based on the structural elements of the merchant access device located outside of the electronic display of the merchant access device included in the received image by comparing the structural elements of the merchant access device in the received image with stored images to determine a matching image and a merchant access device identifier associated with the matching image; and causing an authorization response message to be sent to at least one of the merchant access device of the plurality of merchant access devices associated with the merchant and the mobile communication device associated with the consumer and used by the consumer to facilitate the transaction between the consumer and the merchant, wherein the authorization response message indicates whether or not the transaction is approved.