VERIFICATION AND AUTHENTICATION OF OPTICAL MACHINE-READABLE CODES FOR PAYMENT PROCESSING

VERIFICATION AND AUTHENTICATION OF OPTICAL MACHINE-READABLE CODES FOR PAYMENT PROCESSING

A merchant device receives a request message from a user terminal as part of a payment processing transaction with the merchant. The request message contains code data representing optical machine-readable code (OMRC) that has been read by the user terminal. The OMRC is representative of a payment p...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: Sharma, Deepti Srikant, Vadassery, Lyju, Nandakumar, Vikrant, Kulkarni, Vijay Shashikant
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
ELECTRIC COMMUNICATION TECHNIQUE
ELECTRICITY
HANDLING RECORD CARRIERS
PHYSICS
PRESENTATION OF DATA
RECOGNITION OF DATA
RECORD CARRIERS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
WIRELESS COMMUNICATIONS NETWORKS
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Beschreibung
Zusammenfassung:A merchant device receives a request message from a user terminal as part of a payment processing transaction with the merchant. The request message contains code data representing optical machine-readable code (OMRC) that has been read by the user terminal. The OMRC is representative of a payment processing account and allows the user terminal to complete the transaction with the merchant by directing the payment processor to transfer funds to the payment processing account associated with the OMRC. The merchant device determines, based on the code data, whether the payment processing account represented by the OMRC is an authorized payment processing account, and wirelessly transmits a response message to the user terminal indicative of whether the user terminal is permitted to use the payment processing account for the transaction.