CPC G06Q 20/12 (2013.01) [G06F 3/011 (2013.01); G06F 3/017 (2013.01); G06F 3/04815 (2013.01); G06Q 20/321 (2020.05); G06Q 20/326 (2020.05); G06Q 20/40145 (2013.01); G06Q 30/0643 (2013.01); G02B 27/0172 (2013.01); G02B 2027/0138 (2013.01); G02B 2027/0178 (2013.01); G06F 3/04842 (2013.01)] | 20 Claims |
1. A method for using augmented reality devices for initiating payment transactions, the method comprising:
receiving, by a computer system from a merchant application of an augmented reality (AR) device accessed by a user, a transaction request for a payment transaction to a merchant for an item or a service offered for sale to the user in an AR environment, the AR environment presented to the user via a user interface of the merchant application, the AR environment including an AR element displayed to the user that represents the item or service within a physical environment currently viewed by the user that does not include a physical version of the item or the service, wherein the transaction request includes a unique merchant identifier identifying the merchant, the item or the service, and a payment amount associated with the payment transaction;
communicating, from the computer system to an electronic device associated with the user, an authentication request for authenticating the transaction request;
in response to receiving an authentication response from the electronic device, authenticating the transaction request of the user; and
processing the payment transaction using a user account associated with the user and a merchant account associated with the merchant.
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