Patent
Payment system and method
Martin Paul Moshal
- 12 Nov 2012
33
TL;DR: A smartphone with a processor (150) can execute program instructions to cause currency transfers transactions to be made to accounts associated with other smartphones and interact with an application server (102) or merchant terminal (108) as discussed by the authors.
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Abstract: A smartphone (106) with a processor (150) can execute program instructions to cause currency transfers transactions to be made to accounts associated with other smartphones and to interact with an application server (102) or merchant terminal (108) The smartphone can scan a quick response (QR) code and decode the QR code to recover encoded data The smartphone can use the encoded data, alone or with other data, such as data from a user profile, to obtain promotional vouchers from the merchant server The smart phone can initiate redemption of the promotional vouchers The smartphone can display a validation form to prompt capturing images of items an application server can use to validate payment instruments and accounts The validation form may prompt a user to capture images of a driver's licence, a payment instrument, an invoice, or a passport Smartphone communication with the application server can include device identifier such as MSISDN, IMEI, or IMSI
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Citations
Patent
Online purchase processing system and method
Martin Paul Moshal
- 09 Apr 2015
TL;DR: In this paper, a system and method to use quick response (QR) codes encoded with merchant website identification codes and session GUID to register a user or code scanner with a merchant server, login the user with the merchant server and complete a purchase of an item or service within a virtual shopping cart of the server.
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TL;DR: In this article, a photo-sensor is included to receive a series of optically encoded flashes from a personal trusted device (PTD) smartphone screen that securely communicate one-time-use account information and operational parameters from a financial transaction server.
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Bill payment system and method
Martin Paul Moshal
- 12 Nov 2012
TL;DR: In this paper, a system and method to use quick response (QR) codes encoded with a bill from a merchant, such as, for example, provided by a restaurant, is described.
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System and method for payment incentivizing
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TL;DR: In this article, a system and method for incentivizing the use of cash payments for completion of in person transactions is described, which is similar to the one described in this paper.
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