( 19 ) United States
`( 12 ) Patent Application Publication ( 10 ) Pub . No . : US 2019 / 0066089 A1
`Miryala et al .
`( 43 ) Pub . Date :
`Feb . 28 , 2019
`
`US 20190066089A1
`
`( 54 ) SECURE TRANSACTIONS USING DIGITAL
`BARCODES
`( 71 ) Applicant : MasterCard International
`Incorporated , Purchase , NY ( US )
`( 72 ) Inventors : Sunitha Miryala , Singapore ( SG ) ;
`Sadiq Iqbal Mohammed , Alpharetta ,
`GA ( US ) ; Ilgin Safak , White Plains ,
`NY ( US )
`( 21 ) Appl . No . : 15 / 686 , 432
`Aug . 25 , 2017
`( 22 ) Filed :
`
`Publication Classification
`
`( 51 )
`
`Int . CI .
`G060 20 / 32
`G060 20 / 36
`
`( 2006 . 01 )
`( 2006 . 01 )
`
`( 52 )
`
`U . S . CI .
`CPC . . . . . G06Q 20 / 3274 ( 2013 . 01 ) ; G06Q 20 / 3674
`( 2013 . 01 )
`( 57 )
`ABSTRACT
`Methods , systems and apparatus for conducting secure
`transactions using digital barcodes . In an embodiment , a
`consumer mobile device launches a mobile payment appli
`cation and then receives selection of a payment card account
`and an instruction to pay via a digital barcode by a card
`holder . The consumer mobile device then generates at least
`one of a dynamic quick response ( QR ) code and a barcode ,
`displays the QR code and / or the barcode on a display
`component , receives a purchase transaction confirmation
`request including merchant identification data and a trans
`action amount , and displays a confirmation notification for
`approval by the cardholder . After receiving a confirmation
`response , the consumer mobile device transmits the confir
`mation response to
`a digital enablement system ( DES )
`computer . In some implementations , after transaction autho
`rization , the consumer mobile device may receive and
`display a transaction completed confirmation message .
`
`- 102
`104
`
`100
`
`6
`
`103
`
`L
`MERCHANT
`WEBSITE 118
`MERCHANT
`DEVICE 120
`MERCHANT 4
`SDK 122
`
`MERCHANT
`TERMINAL 124
`
`MERCHANT
`SERVER 126
`
`WEB WALLET
`106
`
`MOBILE WALLET
`APP
`108
`MP SDK
`110
`
`SWITCH
`COMPUTER
`
`136
`
`MERCHANT
`ACQUIRER
`COMPUTER 134
`
`114
`
`ISSUER
`HOST
`
`AUTHENTICATION
`
`CARD
`MANAGEMENT
`
`CUSTOMER
`SERVICE
`
`WALLET
`SERVER
`
`112
`
`AUTHENTICATION , PROVISIONING AND
`NOTIFICATION
`WALLET LIFE CYCLE AND
`USER DATA UPDATE
`TOKENIZATION /
`DIGITIZATION
`TOKEN
`UPDATE
`
`ID & V &
`TOKEN
`NOTIFICATION
`
`DIGITAL
`ENABLEMENT
`SYSTEM
`COMPUTER
`
`CUSTOMER
`SERVICE
`
`Payment Network
`132
`
`130
`
`Samsung, Exh. 1047, p. 1
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 1 of 26
`
`US 2019 / 0066089 A1
`
`ISSUER HOST
`
`AUTHENTICATION
`
`CARD MANAGEMENT
`
`CUSTOMER SERVICE
`ID & V & TOKEN NOTIFICATION
`CUSTOMER SERVICE
`DIGITAL ENABLEMENT SYSTEM COMPUTER
`TOKEN UPDATE
`
`130
`
`132
`
`
`
`Payment Network
`
`FIG . 1
`
`AND NOTIFICATION
`AUTHENTICATION , PROVISIONING
`
`114
`
`100
`
`102
`
`104
`
`
`
`
`
`WALLET LIFE CYCLE AND USER DATA UPDATE
`
`
`
`
`
`TOKENIZATION / DIGITIZATION
`
`WALLET SERVER
`
`106
`
`WEB WALLET
`
`110
`108
`MOBILE WALLET APP
`MP SDK O
`
`
`
`111
`
`116
`
`MERCHANT WEBSITE 118
`
`SDK 122
`
`MERCHANT DEVICE 120 MERCHANT
`
`TERMINAL 124
`MERCHANT
`
`SWITCH COMPUTER
`
`126
`
`MERCHANT SERVER
`
`MERCHANT ACQUIRER
`
`FI
`
`COMPUTER
`
`Samsung, Exh. 1047, p. 2
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 2 of 26
`
`US 2019 / 0066089 A1
`
`DES
`
`FIG . 2
`
`Acquirer
`
`PAYMENT NETWORK
`
`Acquirer
`SWITCH COMPUTER
`
`CASI
`
`134
`
`136
`
`202
`
`0000
`4000
`2000?
`
`102 104 120 121
`
`Samsung, Exh. 1047, p. 3
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 3 of 26
`
`US 2019 / 0066089 A1
`
`300
`
`320
`
`FIG . 3A
`
`ISSUER F1
`
`wwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwww
`
`
`
`
`
`MESSAGE PROCESS AUTH REQUEST ; SEND AUTH
`
`DES
`
`130
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`- -
`
`316 -
`
`r
`
`VALIDATE CVM ; PERFORM TOKEN
`MAPPING
`converte
`
`| 324
`
`
`PERFORM
`
`
`
`TOKEN MAPPING ; TRANSMIT TOKENIZED AUTH RESPONSE
`
`TRANSMIT TRANSACTION RESULT
`
`-
`
`-
`
`-
`
`AND TRANSMIT
`
`RECEIVE DE - TOKENIZED AUTH REQUEST
`
`RESPONSE MESSAGE
`TRANSMIT DE - TOKENIZED AUTH
`
`318 7
`
`322
`
`328
`
`1
`
`330
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`314
`
`326
`
`i
`
`TOKENIZED AUTH
`RESPONSE
`TOKENIZED AUTH
`RESPONSE
`RECEIVE AUTH RESPONSE ; END
`
`DISPLAY TRANSACTION RESULT ; END
`
`- 3341
`
`114 3121
`RNS / TDS 131 3101 SEND PUSH NOTIFICATION
`VALIDATE APPLICATION CRYPTOGRAM
`3080
`RECEIVE TOKENIZED AUTH REQUEST
`306
`304 1 GENERATE AUTH REQUEST
`302 in MERCHANT ENTERS AMOUNT ; SCANS AND PARSES QR CODE
`GENERATE DYNAMIC QR CODE WITH CRYPTOGRAMS
`DISPLAY NOTIFICATION TO CONFIRM
`
`FI
`
`134
`
`PAYMENT NETWORK 132
`ACQUIRER
`MERCHANT TERMINAL
`
`MOBILE DEVICE W / MOBILE APP 104
`
`124
`
`Samsung, Exh. 1047, p. 4
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 4 of 26
`
`US 2019 / 0066089 A1
`
`RECEIVE REQUEST TO
`LAUNCH PAYMENT
`APPLICATION
`
`RECENE PAYMENT ACCOUNT
`SELECTION
`
`RECEIVE " PAY WITH QR *
`SELECTION
`
`GENERATE AND DISPLAY
`QR CODE AND BARCODE
`
`NO
`
`RECEIVE REQUEST
`TO CONFIRM TRANSACTION ?
`
`DISPLAY
`TRANSACTION FAIL
`MESSAGE ; END
`
`- 362
`
`350
`
`360
`
`YES
`
`364
`
`PROMPT USER
`TO CONFIRM
`
`RECEIVE
`CONFIRMATION ?
`
`YES
`
`366
`
`368
`
`DISPLAY TRANSACTION
`COMPLETED CONFIRMATION
`MESSAGE ; END
`
`FIG . 3B
`
`Samsung, Exh. 1047, p. 5
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 5 of 26
`
`US 2019 / 0066089 A1
`
`OOoo o
`10 : 52 AM
`100 %
`
`0
`0
`0
`Maps
`EMAIL
`Photos
`Camera
`Qki Go
`
`Qkr !
`
`ChoNow
`
`Partner
`Bank
`
`104
`
`402
`
`0000
`
`OOO
`000
`Ooo
`
`Chrome
`
`Apps
`
`Phone
`
`Messaget
`O
`FIG . 44 104
`OOooo
`100 % 09 : 48AM
`masterpass
`
`ooooo
`
`- 104
`
`O PARTNER BANK
`
`Log in with fingerprint
`Log in to your Partner Bank
`account with your fingerprint
`Forgot Password ?
`
`LOG IN
`
`O
`FIG . 4B
`
`94 % 0 11 : 58
`masterpass
`PARTNER BANK Q
`7
`PARTNER BANK
`REWARDS PLUS
`
`404
`
`104
`
`406
`
`BANK
`ADDRESSES HELP & INFO SETTINGS
`PARTNER BANK
`REWARDS PLUS
`
`CARDS
`
`Jane Doe
`. . . . 6889
`CURRENT BALANCE
`$ 0 . 00
`LAST TRANSACTION
`There are no transactions to display
`Pay with QR
`Www
`
`FIG . 4C
`
`406
`
`Jone Doe
`* * * * 6889
`
`LAST TRANSACTION
`There are no transactions to display
`D
`D :
`
`- 410
`
`408
`
`.
`
`Alamy
`wwwwwwwwww
`wwwwwwwwww
`Wii
`( 10 ) ABC123 ( 21 ) 0001
`o
`FIG . 4D
`
`Samsung, Exh. 1047, p. 6
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 6 of 26
`
`US 2019 / 0066089 A1
`
`416
`
`418
`
`OC00
`
`Principle
`" Memoryhouse " by
`Max Richter
`
`$ 30 . 00
`The Revenant " ( Original
`Motion Picture
`Soundtrack ) Double LP
`$ 45 . 00
`$ 75 . 00 0
`
`CONFIRM
`
`C
`
`414
`
`414
`
`00 o
`94 % 0 11 : 58
`masterpass
`
`0
`PARTNER BANK Q
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`* * * * 6889
`
`LAST TRANSACTION
`There are no transactions to display
`
`420
`
`422
`
`.
`
`2232227993
`
`WWVVV ???
`AH
`?????? www no
`( 10 ) ABC123 ( 21 ) 0001
`
`
`
`???? ???? ?? ???? ???
`
`EN
`
`.
`
`. .
`
`FIG . 4F
`
`O
`oo o
`94 % [ 11 : 58
`masterpass
`PARTNER BANK
`THANK YOU
`
`One 426
`
`Please see cashier
`to finish transaction
`o masterpass
`
`s
`
`FIG . 4E
`od
`oo
`BRISK 4 BUS
`Book A Trip
`FROM
`Pittsburgh , PA
`New York , NY
`INC )
`( PGH )
`masterpass
`O PARTNER BANK
`PAY WITH
`Partner Bank Rewards Plus
`* * * * 1234
`Subtotal
`Tax
`Total
`
`$ 123 . 18
`$ 9 . 26
`$ 132 . 44
`
`Confirm fingerprint
`to check out
`
`104
`Optional
`4 24
`
`????
`?????
`?????
`??
`???
`???
`??
`
`
`
`??? ???? ?? ???
`
`.
`
`. . . . . . . .
`
`.
`
`all
`
`.
`
`
`
`
`
`????? ???? ???
`
`?????
`???
`
`
`
`???? ??? ??? ?? ??? ???
`
`??
`
`
`
`?? ??? ????
`
`?
`
`??
`
`?
`?
`
`? ? ??? ?? ????
`
`L
`
`-
`
`-
`
`FIG . 4G
`
`FIG . 4H
`
`Samsung, Exh. 1047, p. 7
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 7 of 26
`
`US 2019 / 0066089 A1
`
`-
`
`00 0
`
`@
`Maps
`EMAIL
`Qur ! G
`
`Qkr ! GhoNow
`
`10 : 52 AM
`100 %
`©
`#
`Photos Camera
`
`Partner
`Bank
`
`OOOO
`
`000
`
`Apps
`
`Phone
`
`Chrome
`Messaget
`CD
`
`FIG . 5A
`Odoo
`100 % 0 9 : 48AM
`masterpass
`
`PARTNER BANK
`ADDRESSES HELP & INFO SETTINGS
`PARTNER BANK
`REWARDS PLUS
`
`CARDS
`
`Jane Doe
`. . . 6889
`CURRENT BALANCE
`$ 0 . 00
`LAST TRANSACTION
`There are no transactions to display
`Pay with QR
`
`FIG . 5C
`
`| \ 104
`
`Ooooo
`_
`
`104
`
`502
`
`104
`
`506
`
`- 508
`
`R
`
`504
`
`PARTNER BANK
`
`Log in with fingerprint
`Log in to your Partner Bank
`account with your fingerprint
`Forgot Password ?
`LOG IN
`O
`FIG . 5B
`
`Cooo
`94 %
`11 : 58
`PARTNER BANK
`masterpass
`PARTNER BANK
`REWARDS PLUS
`
`#
`
`506
`
`506
`
`Jane Doe
`. . . 6889
`Paying with card ending in 6889
`Enter amount
`$ 123 . 14 7
`CONFIRM
`
`C
`
`FIG . 5D
`
`512
`514
`
`Samsung, Exh. 1047, p. 8
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 8 of 26
`
`US 2019 / 0066089 A1
`
`Oooo
`94 % ( 11 : 58
`PARTNER BANK
`masterpass
`
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`. . 6889
`
`104
`- 506
`
`LAST TRANSACTION
`
`There are no transactions to display DO 516
`| | 518
`
`518
`
`/ / / / / / / / / / 22
`Men
`( 10 ) ABC123 ( 21 ) 0001
`
`104
`104
`
`FIG . 5E
`
`OCDoo O
`94 % 0 11 : 58
`PARTNER BANK
`Masterpass
`THANK YOU
`
`Please see cashier
`to finish transaction
`o masterpass
`
`520
`
`516
`
`OO 0
`94 %
`11 : 58
`masterpass
`
`O C
`PARTNER BANK
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`* * * * 6889
`
`LAST TRANSACTION
`There are no transactions to display
`D :
`D
`
`VER
`
`WWW wwww
`
`? ?
`
`??? ??
`
`? ? ? ? | ??????????
`
`?? ? ?
`
`AR
`
`( 10 ) ABC123 ( 21 ) 0001
`C
`FIG . 5F
`
`FIG . 5G
`
`Samsung, Exh. 1047, p. 9
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 9 of 26
`
`US 2019 / 0066089 A1
`
`wwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwww
`
`- ooo
`100 %
`10 : 52 AM
`
`104
`
`EMAIL
`
`Maps
`
`Photos Camera
`
`Qkr ! GhoNow
`
`Partner
`Bank
`
`602
`
`????
`
`Phone
`
`Message + Chrome
`
`Apps
`
`FIG . 6A
`0
`00 o
`100 % 09 : 48AM
`masterpass
`
`CARDS
`
`PARTNER BANK
`ADDRESSES HELP & INFO SETTINGS
`PARTNER BANK
`REWARDS PLUS
`
`Obene m
`
`Oooo
`
`PARTNER BANK
`
`A
`
`104 104
`604
`
`# 606
`
`Log in with fingerprint
`Log in to your Partner Bank
`account with your fingerprint
`Forgot Password ?
`LOG IN
`
`FIG . 6B
`ooooo
`94 %
`11 : 58
`PARTNER BANK
`masterpass
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`. . . 6889
`
`608
`
`LAST TRANSACTION
`There are no transactions to display
`
`D : XD
`
`- 612
`614
`
`www
`
`WA
`
`wwwwww
`ALA
`( 10 ) ABC123 ( 21 ) 0001
`C
`
`.
`
`FIG . 6D
`
`- 608
`
`808
`
`1
`
`610
`
`Jane Doe
`. . . . 6889
`CURRENT BALANCE
`$ 0 . 00
`LAST TRANSACTION
`There are no transactions to display
`Pay with QR
`
`FIG . 6C
`
`Samsung, Exh. 1047, p. 10
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 10 of 26 US 2019 / 0066089 A1
`
`0
`
`OOOO O
`94 % ( 1 : 58
`masterpass
`
`PARTNER BANK O
`PARTNER BANK
`REWARD PLUS
`
`Jane Doe
`* . * 6889
`
`LAST TRANSACTION
`There are no transactions to display
`
`www
`
`104
`
`620
`
`de
`618 614
`FIG . 6E
`
`WY httttttttttt
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`- -
`
`-
`
`-
`
`-
`
`-
`
`-
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`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`??
`
`Mwe
`Para wwwwww
`????
`www
`( 10 ) ABC123 ( 21 ) 0001
`C
`104 FIG . 6F
`Optional !
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
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`
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`
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`
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`
`-
`
`-
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`-
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`
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`
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`
`-
`
`-
`
`-
`
`-
`
`c
`
`=
`
`00
`Oa
`BRISK 4 BUS
`Book A Trip
`FROM
`New York , NY
`Pittsburgh , PA
`( PCH )
`masterpass
`PARTNER BANK
`PAY WITH
`Partner Bank Rewards Plus
`1234
`
`Subtotal
`10to /
`
`$ 123 . 18
`$ 9 . 26
`$ 132 . 44
`
`Confirm fingerprint
`to check out
`
`FIG . 6G
`
`a
`
`????
`????
`???
`???
`???
`???
`????
`???
`????
`????
`???
`???
`???
`
`630 ????
`
`???
`????
`????
`
`??
`????
`???
`
`???
`????
`????
`???
`????
`???
`????
`
`
`
`???? ????
`
`????
`????
`
`???? ??
`
`OO o
`94 % [ 11 : 58
`masterpass
`
`C
`PARTNER BANK
`THANK YOU
`
`632
`
`Please see cashier
`to finish transaction
`masterpass
`
`FIG . 6H
`
`Samsung, Exh. 1047, p. 11
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 11 of 26
`
`US 2019 / 0066089 A1
`
`- 104
`
`OOooo
`
`r
`
`104
`
`O PARTNER BANK
`
`Oooo
`100 % @ 10 : 52 AM
`©
`?
`EMAIL
`Maps Photos Camera
`Oke ! Go
`Qkr ! GhoNow
`Partner
`
`NNNNNNNNNNNNNNNNN
`
`OOOO
`
`Phone
`
`Messaget
`
`Chrome
`
`Von
`000
`Apps
`
`FIG . 7A
`ooooo
`100 % O 9 : 48AM
`masterpass
`PARTNER BANK
`ADDRESSES HELP & INFO SETTINGS
`PARTNER BANK
`REWARDS PLUS
`
`CARDS
`
`Jane Doe
`* * * * 6889
`CURRENT BALANCE
`$ 0 . 00
`LAST TRANSACTION
`There are no transactions to display
`Pay with QR
`
`Log in with fingerprint
`Log in to your Partner Bank
`account with your fingerprint
`Forgot Password ?
`LOG IN
`1
`0
`0
`FIG . 7B
`
`c
`
`oo o
`94 %
`11 : 58
`masterpass
`
`PARTNER BANK O
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`. - 6889
`Paying with card ending in 6889
`Enter amount
`$ 123 . 14 T
`CONFIRM
`
`CONFIRM
`
`H
`
`704
`
`104
`
`- 706
`
`710
`712
`
`712
`
`702
`
`104
`
`5706
`
`708
`
`FIG . 70
`
`C
`
`FIG . 7D
`
`Samsung, Exh. 1047, p. 12
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 12 of 26 US 2019 / 0066089 A1
`
`Oooo
`94 % 0 11 : 58
`PARTNER BANK O
`masterpass
`
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`* * * * 6889
`
`LAST TRANSACTION
`There are no transactions to display
`DXD
`
`- -
`
`- - - -
`
`+
`
`wwwww
`P100 w
`( 10 ) ABC123 ( 21 ) 0001
`
`AAL . HALLAR
`
`FIG . ZE
`° 9
`ay h
`oo o
`94 %
`11 : 58
`masterpass
`PARTNER BANK
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`* . . 6889
`
`LAST TRANSACTION
`There are no transactions to display
`DXD
`
`104
`- 706
`
`722
`
`714
`
`730
`
`104 104
`
`FIG . 7F
`
`Oooo
`94 %
`11 : 58
`BANK
`O
`masterpass
`THANK YOU
`
`724
`
`Please see cashier
`to finish transaction
`o masterpass
`
`732
`
`NATA
`* * * * www
`( 10 ) ABC123 ( 21 ) 0001
`
`MMM
`
`er
`
`FIG . 7G
`
`716
`
`C
`
`FIG . ZH
`
`Samsung, Exh. 1047, p. 13
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 13 of 26 US 2019 / 0066089 A1
`
`92 . C11 : 37 - 104
`M802
`
`. . . . .
`
`. . . . . . . . . . . . . . . .
`
`. . . . . . . . . . . . . . . . . .
`
`C
`
`o0 O
`
`PARTNER BANK
`
`USERNAME
`Masterpass
`USERNAME
`* * * * * * * * *
`???? -
`??? ?????
`
`-
`-
`-
`-
`-
`-
`-
`-
`I accept the Terms & Conditions and
`the Privacy Policy
`Forgot Password ?
`
`LOG IN
`
`C
`
`804
`
`FIG . 8A
`ooo
`104
`100 % ] 9 : 40AM
`masterpass
`PARTNER BANK
`ADDRESSES HELP & INFO SETTINGS
`PARTNER BANK
`REWARD PLUS
`
`104
`
`OO O
`94 %
`11 : 58
`masterpass
`
`O
`PARTNER BANK O
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`. . . 6889
`
`806
`
`o
`
`CARDS
`
`Jane Doe
`* - * 6889
`CURRENT BALANCE
`$ 0 . 00
`LAST TRANSACTION
`There are no transactions to display
`Pay with QR
`
`FIG . 8B
`
`LAST TRANSACTION
`There are no transactions to display
`
`808
`
`www
`
`www
`????????????
`ARK
`wwwww
`wwwwww
`( 10 ) ABC123 ( 21 ) 0001
`
`1
`
`W
`
`ARNA
`
`MY
`
`FIG . 8C
`
`Samsung, Exh. 1047, p. 14
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 14 of 26 US 2019 / 0066089 A1
`
`819 nooooo T815
`231 - 817
`Principle
`* Memoryhouse " by
`Max Richter
`
`821
`
`$ 30 . 00
`" The Revenant " ( Original
`Motion Picture
`Soundtrack ) Double LP
`in $ 45 . 00
`$ 75 . 00
`
`Total
`
`OC00 O
`94 % 0 11 : 58
`masterpass
`
`PARTNER BANK O
`
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`* - - 6889
`
`LAST TRANSACTION
`There are no transactions to display
`D
`D
`ben
`
`810
`
`
`
`
`
`w
`
`. . ARIN
`
`Www
`
`www
`
`+ + +
`
`We - -
`
`4 + + + + + +
`
`2
`
`*
`
`CONFIRM
`
`825
`
`- -
`
`a
`FIG . 8D
`Ooooo - 104
`BRISK 4 BUSQ
`Book A Trip
`FROM
`Pittsburgh , PA
`New York , NY
`( NYC )
`masterpass
`PARTNER BANK
`PAY WITH
`Partner Bank Rewards Plus
`* * * * 1234
`
`Subtotal
`
`Total
`
`$ 123 . 18
`$ 9 . 26
`$ 132 . 44
`
`826
`
`www
`
`.
`
`
`
`??? ??? ???? ??? ?????
`
`www
`( 10 ) ABC123 ( 21 ) 0001
`FIG . 8E
`
`OC00 O
`94 % 11 : 58
`masterpass
`PARTNER BANK
`THANK YOU
`
`104
`
`N
`
`828
`
`Please see cashier
`to finish transaction
`o masterpass
`
`Confirm fingerprint
`to check out
`
`FIG . 8F
`
`FIG . 8G
`
`Samsung, Exh. 1047, p. 15
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 15 of 26 US 2019 / 0066089 A1
`
`904
`
`104
`902
`
`Oooo
`92 % 11 : 437 |
`
`w
`
`wwwwwwwwwwwwwwwwww
`wwwwwwwwwwww
`
`PARTNER BANK
`
`USERNAME
`Masterpass
`PASSWORD
`* * * * * * * * *
`-
`- -
`-
`- -
`-
`-
`- -
`-
`- -
`-
`-
`-
`I accept the Terms & Conditions and
`the Privacy Policy
`Forgot Password ?
`
`LOG IN
`
`FIG . 9A
`OOOOO
`100 % 0 9 : 48AM
`mosterpass
`
`PARTNER BANK
`
`CARDS
`
`ADDRESSES HELP & INFO SETTINGS
`PARTNER BANK
`REWARDS PLUS
`Jane Doe
`- - - 6889
`CURRENT BALANCE
`$ 0 . 00
`LAST TRANSACTION
`There are no transactions to display
`Pay with QR
`
`1906
`
`908
`
`OO O
`94 % 0 11 : 58
`masterpass
`
`O
`PARTNER BANK Q
`PARTNER BANK
`REWARDS PLUS
`o
`
`Jane Doe
`. . . . 6889
`
`LAST TRANSACTION
`There are no transactions to display
`D : XD
`
`906
`
`- 910
`912
`
`. - . - . . WA
`
`* *
`
`.
`
`/ * . - . - .
`
`* *
`
`*
`
`*
`
`VERTER
`hehet
`WWW
`wwwwww
`tennero
`( 10 ) ABC123 ( 21 ) 0001
`C
`
`FIG . 9B
`
`FIG . 9C
`
`Samsung, Exh. 1047, p. 16
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 16 of 26 US 2019 / 0066089 A1
`
`918
`
`916
`
`FIG . 9D
`
`906
`
`918
`
`oo O
`94 %
`11 : 58
`masterpass
`
`O
`PARTNER BANK
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`* * * * 6889
`
`LAST TRANSACTION
`There are no transactions to display
`
`www
`
`OR
`VV
`Bm
`( 10 ) ABC123 ( 21 ) 0001
`C
`
`*
`
`*
`
`*
`
`FIG . 9E
`
`O d
`oo
`BRISK 4 BUS
`Book A Trip
`
`Lr 104
`al
`
`00 O
`94 %
`11 : 58
`masterpass
`
`C
`PARTNER BANK
`THANK YOU
`
`- 928
`
`Pittsburgh , PA
`
`New York , NY
`( NYC )
`masterpass
`O PARTNER BANK O
`Partner Bank Rewards Plus
`* * * 1234
`Subtotal
`Tax
`Total
`
`$ 123 . 18
`$ 9 . 26
`$ 132 . 44
`
`Please see cashier
`to finish transaction
`o masterpass
`
`926
`
`Confirm fingerprint
`to check out
`
`FIG . 9F
`
`FIG . 9G
`
`Samsung, Exh. 1047, p. 17
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 17 of 26 US 2019 / 0066089 A1
`
`1004 -
`
`C
`
`00 O
`
`92 01 : 43 _ 104 104
`92 % 0 ) 11 : 43
`A1002
`
`PARTNER BANK
`
`USERNAME
`Masterpass
`PASSWORD
`* * * * * * * * *
`-
`-
`-
`- -
`I accept the Terms & Conditions and
`the Privacy Policy
`Forgot Password ?
`
`LOG IN
`CD
`FIG . 10A
`cooo 104
`100 % 09 : 48AM
`masterpass
`PARTNER BANK
`ADDRESSES HELP & INFO SETTINGS
`PARTNER BANK
`REWARDS PLUS
`
`1006
`
`CARDS
`
`LO
`
`OCDoo O
`94 % 0 11 : 58
`PARTNER BANK
`masterpass
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`* * * 6889
`
`104
`1006
`
`1006
`
`Jane Doe
`* * * * 6889
`CURRENT BALANCE
`$ 0 . 00
`LAST TRANSACTION
`There are no transactions to display
`Pay with QR
`
`wyn
`FIG . 10B
`
`LAST TRANSACTION
`There are no transactions to display
`
`D : XD # 1010
`1012
`
`1008
`
`
`
`att stu
`
`muhay WWW
`Www
`wwwwwwwwww
`Www rrrrrrr
`222222
`( 10 ) ABC123 ( 21 ) 0001
`
`t
`
`FIG . 10C
`
`Samsung, Exh. 1047, p. 18
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 18 of 26 US 2019 / 0066089 A1
`
`1016
`
`O
`
`OO O
`
`1018
`
`Principle
`" Wernoryhouse " by
`Max Richter
`1v
`$ 30 . 00
`" The Revenant " ( Original
`Motion Picture
`Soundtrack ) Double LP
`no
`$ 45 . 00
`$ 75 . 00 IN
`
`CONFIRM
`
`1015
`
`1020
`
`1022
`
`ooooo
`94 %
`11 : 58
`PARTNER BANK
`masterpass
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`* * * * 6889
`
`1006
`
`LAST TRANSACTION
`There are no transactions to display
`
`1010
`
`W
`
`LAW PRAR AMAMMAN
`
`. .
`
`.
`
`.
`
`www
`www
`ht
`( 10 ) ABC123 ( 21 ) 0001
`C www .
`
`FIG . 10E
`
`ocoo o
`94 % 0 11 : 58
`masterpass
`PARTNER BANK
`THANK YOU
`
`( v
`Please see cashier
`to finish transaction
`masterpass
`
`104
`
`ALL
`
`- 1032
`
`- 1024
`
`www
`
`$ 75 . 00
`$ 10 . 00
`$ 85 . 00
`
`- 1028
`
`FIG . 10D
`oooo
`94 % 0 11 : 58
`PARTNER BANK O masterpass
`
`Rewards Plus
`. . . 1234 | MASTERCARD
`
`PAY TO
`Jane Do
`PAY WITH
`o
`SHIP TO
`Jane Do
`123 Main Street , NY , NY 10001
`SHIPPING METHOD
`USPS Flat Rate - $ 10 . 00
`Subtotal
`
`Total
`
`CONFIRM & PAY
`
`FIG . 10F
`
`FIG . 10G
`
`Samsung, Exh. 1047, p. 19
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 19 of 26 US 2019 / 0066089 A1
`
`ooooo
`92 %
`11 : 43
`
`104
`11102
`
`1104
`
`PARTNER BANK
`
`USERNAME
`Masterpass
`PASSWORD
`* * * * * * * * *
`
`I accept the Terms & Conditions and
`the Privacy Policy
`Forgot Password ?
`
`LOG IN
`
`ww ww . . . . . .
`
`. . . . . . . . . . . . .
`
`o
`
`FIG . 11A
`- 104
`
`oo 0
`100 % 09 : 48AM
`masterpass
`
`CARDS
`
`PARTNER BANK
`ADDRESSES HELP & INFO SETTINGS
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`. . . 6889
`CURRENT BALANCE
`$ 0 . 00
`LAST TRANSACTION
`There are no transactions to display
`Pay with QR
`
`oooo
`94 % 0 11 : 58 ]
`PARTNER BANK |
`masterposs
`PARTNER BANK
`REWARDS PLUS
`
`- 104
`
`- 1106
`
`- 1106
`
`Jane Doe
`- - - 6889
`
`LAST TRANSACTION
`There are no transactions to display
`
`1108
`
`.
`
`MULLA
`
`wwwwwww
`
`Y
`
`wwwww www . www
`+ 3723
`CASE
`( 10 ) ABC123 ( 21 ) 0001
`C
`
`1110
`1112
`
`FIG . 11B
`
`FIG . 11C
`
`Samsung, Exh. 1047, p. 20
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 20 of 26 US 2019 / 0066089 A1
`
`1114
`
`1120
`
`1118
`
`OOoo O
`94 % 0 11 : 58
`PARTNER BANK Q masterpass
`PARTNER BANK
`REWARDS PLUS
`
`Jane Doe
`- - - · 6889
`
`O
`
`LAST TRANSACTION
`There are no transactions to display
`
`104
`
`1118
`
`1124
`
`1116
`1124
`FIG . 11D
`
`oooo
`94 % 0 ) 11 : 58
`PARTNER BANK O masterpass
`Enter your
`Masterpass PIN
`. 000
`
`+ r1120
`
`EN
`
`1112
`
`MU
`
`104
`
`WU
`
`w
`
`7 . 2777TTYY
`FF . ' vir
`ver
`( 10 ) ABC123 ( 21 ) 0001
`C
`
`W7
`FIG . 11E
`oooo
`94 % [ 11 : 58 ] L -
`PARTNER BANK O masterpass
`THANK YOU
`
`104
`
`1124
`
`1122
`
`Please see cashier
`to finish transaction
`O masterpass
`
`oooo IN
`
`FIG . 115
`
`FIG . 11G
`
`Samsung, Exh. 1047, p. 21
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 21 of 26
`
`US 2019 / 0066089 A1
`
`MERCHANT ACQUIRER 134 -
`
`MERCHANT SERVER 126
`
`SWITTCH COMPUTER 136
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`- -
`
`- -
`
`- -
`
`- -
`
`- -
`
`- -
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`1222
`
`1218
`
`
`RECEIVE CRYPTOGRAM
`
`AND TRANSACTION AUTH REQUEST
`
`i
`
`RECENE CHECKOUT AUTHORIZATION REQUEST ;
`1224
`RECEIVE AUTHORIZATION RESPONSE
`RECEIVE CHECKOUT DATA
`
`1226
`
`w
`
`ww
`
`How
`
`to
`
`FIG . 12A
`
`1220
`
`- 1216
`
`OBTAIN CRYPTOGRAM
`
`RECEIVED ?
`NO / CRYPTOGRAM
`
`RECEME RESPONSE
`
`+ 1204
`
`WALLET SERVER 112
`
`- 1205
`- 1206
`
`
`
`USER MOBILE DEVICE 104
`
`
`LAUNCH MOBILE PAYMENT
`APP ; SELECT CARD ; SELECT " PAY WITH QR "
`
`READ QR CODE
`
`PARSE QR CODE DATA
`
`WHEN TRANSACTION AMOUNT
`MISSING
`USER TO CONFIRM
`PROMPT
`
`MERCHANT TERMINAL 124
`
`GENERATE DYNAMIC QR CODE OR DISPLAY STATIC QR CODE
`
`-
`
`-
`
`-
`
`-
`
`-
`
`1202
`
`- 1208
`
`-
`
`-
`
`-
`
`MAGSTRIPE CRYPTOGRAM
`GENERATE M ( CHIP AND
`- 12124
`
`-
`
`-
`
`- 1228
`
`RECEIVE AUTHORIZATION RESPONSE ; DISPLAY SAME ; END
`
`Samsung, Exh. 1047, p. 22
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 22 of 26 US 2019 / 0066089 A1
`
`1250
`
`1262
`
`NO /
`
`RECENE
`VALUE
`QUERY ?
`
`YES
`
`LAUNCH PAYMENT
`APPLICATION
`
`RECEIVE PAYMENT CARD
`ACCOUNT SELECTION
`
`RECEIVE " PAY WITH QR *
`SELECTION
`
`READ QR CODE
`
`TRANSMIT QR CODE
`DATA TO WALLET
`PROVIDER
`
`DISPLAY VALUE
`QUERY
`
`1264 1260
`
`1268
`
`DISPLAY TRANSACTION
`FAIL MESSAGE ; END
`
`RECENE
`VALUE ?
`
`1266
`
`RECEME
`TRANSACTION
`AUTHORIZED
`MESSAGE ?
`
`DISPLAY TRANSACTION
`CONFIRMATION REQUEST
`
`- 1270
`
`CONFIRMATION
`RECEIVED ?
`
`1274
`
`1272
`TRANSMIT CONFIRMATION TO
`WALLET PROVIDER COMPUTER
`
`1276
`
`1278
`
`DISPLAY TRANSACTION
`AUTHORIZED MESSAGE ; END
`
`FIG . 12B
`
`Samsung, Exh. 1047, p. 23
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 23 of 26 US 2019 / 0066089 A1
`
`1302
`
`11304
`
`FIG . 13A
`
`1306
`
`104
`
`OOooo
`
`1308
`
`PARTNER BANK
`
`. . . . . . . . . . . . . . . . . . . . . . . . . . . .
`
`. . . . . . .
`
`. .
`
`Log in with fingerprint
`Log in to your Partner Bank
`account with your fingerprint
`Forgot Password ?
`LOG IN
`o
`
`o
`
`00000
`100 % O 9 : 48AM
`masterpass
`PARTNER BANK |
`ADDRESSES HELP & INFO SETTINGS
`PARTNER BANK
`REWARDS PLUS
`
`CARDS
`
`Jane Doe
`. . . 6889
`CURRENT BALANCE
`$ 0 . 00
`LAST TRANSACTION
`There are no transactions to display
`Pay with QR
`ht
`
`Nr
`
`u
`
`1310
`
`1312
`
`FIG . 13B
`
`FIG . 13C
`
`Samsung, Exh. 1047, p. 24
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 24 of 26 US 2019 / 0066089 A1
`1304
`
`* QO
`
`104
`
`1306
`
`FIG . 13D
`
`04
`
`O C
`OO o
`94 % 0 11 : 58
`masterpass
`PARTNER BANK ,
`THANK YOU
`
`. . . . . . . . . . . . . .
`
`.
`
`.
`
`.
`
`. . . . . . . . . . . . . . . . . . . . . . . .
`
`M
`
`1318
`
`Please see cashier
`to finish transaction
`masterpass
`
`oooo
`a
`BRISK 4 BUS
`Book A Trip
`FROM
`Pittsburgh , PA
`New York , NY
`( NYC )
`( PGH )
`masterpass
`PARTNER BANK
`PAY WITH
`Partner Bank Rewards Plus
`« 1234
`Subtotal
`Tax
`Total
`
`$ 9 . 26
`$ 132 . 44
`
`Confirm fingerprint
`to check out
`
`1306
`
`.
`
`FIG . 13E
`
`FIG . 13F
`
`Samsung, Exh. 1047, p. 25
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 25 of 26 US 2019 / 0066089 A1
`
`1402
`
`Merchant X
`
`Scan QR code to pay
`with Masterpass
`
`_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
`
`_ _
`
`_ _ _ _
`
`_ _ _ _ _
`
`_ _ _
`
`_ _ _
`
`_ _
`
`_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ DXO
`
`_ _
`
`_
`
`_ _ _
`
`1404
`
`104
`
`FIG . 14A
`
`OC00 O
`
`PARTNER BANK
`
`Me
`
`CARDS
`
`OC00 O
`100 % D 9 : 48AM
`masterpass
`PARTNER BANK
`ADDRESSES HELP & INFO SETTINGS
`PARTNER BANK
`REWARDS PLUS
`
`104
`
`408
`
`410
`
`1406
`
`Log in with fingerprint
`Log in to your Partner Bank
`account with your fingerprint
`Forget Password ?
`
`LOG
`IN
`0
`
`0
`
`0
`
`Jane Doe
`Q
`- - * 6889
`CURRENT BALANCE
`$ 0 . 00
`LAST TRANSACTION
`There are no transactions to display
`Pay with QR
`
`FIG . 14B
`
`FIG . 140
`
`Samsung, Exh. 1047, p. 26
`
`

`

`Patent Application Publication
`
`Feb . 28 , 2019 Sheet 26 of 26 US 2019 / 0066089 A1
`
`104
`
`OOoo o
`94 %
`11 : 58
`PARTNER BANK I
`masterpass
`PARTNER BANK
`REWARDS PLUS
`
`1402
`
`XO
`
`11
`
`Jane Doe
`» - - - 6889
`Paying with card ending in 6889
`Enter amount
`
`$ 123 . 14
`
`# 1414
`| CONFIRM Tott 1416
`
`FIG . 14E 104
`
`DOO O
`94 %
`11 : 58
`O masterpass
`PARTNER BANK
`THANK YOU
`
`.
`
`www
`
`1422
`
`Please see cashier
`to finish transaction
`o masterpass
`
`1404
`104
`FIG . 14D
`
`1412
`
`104
`
`oooo
`BRISK 4 BUS
`a
`Book A Trip
`FROM
`Pittsburgh , PA
`New York , NY
`( NYC )
`masterpass
`PARTNER BANK
`PAY WITH
`Partner Bank Rewards Plus
`* * * * 1234
`Subtotal
`Tox
`Total
`
`$ 123 . 18
`$ 9 . 26
`$ 132 . 44
`
`www
`
`www
`
`1418
`
`1420
`
`Confirm fingerprint
`to check out
`C
`FIG . 14F
`
`FIG . 14G
`
`Samsung, Exh. 1047, p. 27
`
`

`

`US 2019 / 0066089 A1
`
`Feb . 28 , 2019
`
`SECURE TRANSACTIONS USING DIGITAL
`BARCODES
`FIELD OF THE DISCLOSURE
`[ 0001 ] Embodiments described herein generally relate to
`processes and systems for conducting secure transactions by
`using digital barcodes . More particularly , disclosed are
`systems and processes for utilizing user - generated or mer
`chant - generated one - dimensional barcodes or two - dimen
`sional barcodes ( QR codes ) for chip card , magnetic stripe ,
`and digital secure remote payment ( DSRP ) transactions with
`EMV - grade security .
`BACKGROUND
`[ 0002 ] Portable electronic devices , such as smartphones ,
`tablet computers , digital music players and the like , have
`been developed that include desirable functionality and thus
`the number of mobile device users and / or owners keeps
`growing . Such mobile devices can store all types of infor
`mation , and can perform many different types of functions
`for users . The overall popularity of such mobile devices ,
`especially smartphones , has led to the development of
`processes for using them to conduct financial transactions ,
`for example , transmission of a payment between a payer ( a
`consumer or payment card account holder or cardholder )
`and a recipient ( or payee , such as a merchant or another
`cardholder ) .
`[ 0003 ]
`A significant concern of payment systems is the
`protection of primary account numbers ( PANs ) ( typically a
`sixteen - digit number ) associated with financial accounts of
`consumers and of merchants from access by vandals or other
`wrongdoers . Thus , an important initiative for preventing the
`unauthorized access to PANs involves the use of “ tokeni
`zation , ” to transform a PAN into a token for use in the
`payment process . Thus , tokens have been defined as " sur
`rogate / alternate values that replace PANs " in part of a
`payment system . For example , a typical consumer credit
`card includes the cardholder ' s name , a sixteen - digit personal
`account number ( PAN ) , an expiration date and a security
`code , and any or all of this data can be “ tokenized . ”
`Tokenized data typically includes , but is not limited to , a
`token PAN , session keys or cryptographic keys that can be
`used a single time , or for a limited time , during a transaction .
`Once the tokenized card credentials are delivered into the
`consumer ' s device or wallet , the consumer can then use
`them to make a tokenized transaction at a merchant . Typi
`cally , the consumer either taps the contactless terminal with
`the mobile device that has a mobile payment application
`containing tokenized credentials to make an in store trans
`action , or uses a mobile payment application or web wallet
`to make an in app or online transaction using tokenized
`credentials . The token PAN , which typically has the same
`format as the PAN and is associated with the cardholder ' s
`sixteen - digit account number , is used to complete the pur
`chase . The token is generated and managed by a token
`service provider ( TSP ) , which de - tokenizes the token to
`obtain the PAN for use in processing the purchase transac
`tion . Such processing improves the payment security of the
`transaction , since only the TSP , payment network and Issuer /
`Issuer processor see the actual PAN ; the merchant and
`acquirer only see the token PAN .
`10004 ] With regard to payment card account transactions ,
`it is also known to perform velocity checks in order to
`
`prevent fraud . A common trait of Card Not Present ( CNP )
`fraud is a fraudster or thief using a stolen payment card
`account number to conduct one fraudulent transaction to see
`if the payment card will work , and then quickly maxing out
`the credit limit of that payment card account if the first
`transaction was accepted by engaging in multiple subse
`quent transactions in
`a short time period . Such fraud can
`result in chargebacks and lost revenue for issuer financial
`institutions and / or merchants . Thus , velocity checks entail
`monitoring the number of times a specific data element
`occurs within a specified interval . Typical data elements
`used for velocity checks of a transaction include , but are not
`limited to , the User ID , the IP address , e - mail address , phone
`number , device ID and / or device signature , credit card
`number and / or payment method , billing address , and ship
`ping address . In some implementations , a velocity check is
`made up of three or more variables , but typically always
`includes the quantity , data element , and timeframe of a
`transaction or transactions . Examples of velocity checks
`include
`[ 0005 ] How many transactions has a customer com
`pleted in the last 24 hours ?
`[ 0006 ] How much has a customer spent in the last 24
`hours ?
`[ 0007 ] How many transactions have originated from a
`single device in the last 24 hours ?
`10008 ] How many orders have been placed with the
`same credit card number , but differing shipping
`addresses in the last 24 hours ?
`[ 0009 ] How many transactions have originated from
`one IP address in the last 24 hours ?
`[ 0010 ] How many billing zip codes has a customer
`loyalty card been used in within the last 30 days ?
`Therefore , if certain or specified customer data is entered
`into a payment gateway multiple times within a designated
`time period , the payment gateway may take several actions
`to prevent fraud , such as rejecting the purchase transaction
`( s ) , notifying the cardholder of the transaction ( s ) to seek
`confirmation or repudiation , and / or notifying the merchant .
`[ 0011 ] Processes are also known wherein a payer utilizes
`a digital camera component of his or her mobile device to
`scan a code , such as a barcode ( 1D code ) , or a quick
`response ( QR ) code ( 2D barcode ) , for example , at a mer
`chant store to initiate a purchase transaction . Barcodes ( 1D
`barcodes and QR codes ) are machine - readable codes ,
`wherein typically a 1D barcode consists of lines of varying
`thickness to convey information , and a QR code consists of
`an array of black and white squares . QR codes are typically
`used for storing uniform resource locators ( URLs ) or other
`information that can be read by a camera component of a
`consumer ' s mobile device , such as a smartphone . For
`example , a retailer may have a sticker or label or sheet of
`paper having a merchant QR code printed thereon affixed to
`a countertop near a cash register ( or on the cash register ) at
`the merchant ' s retail store . In some embodiments , the label
`or sticker having the merchant QR code printed on it may be
`provided to the merchant by a payment processing company
`( or by some other trusted third party ) , and can include
`merchant identification data and a merchant payment
`account number ( associated with a financial account of the
`merchant ) . In some implementations , the consumer utilizes
`a mobile payment application and the camera component of
`his or her mobile device to scan a merchant QR code , then
`inputs a purchase tra