US 11,853,997 B2
Using quick response (QR) codes to collect recurring payments
Ching-Yun Chao, Austin, TX (US); John H. Teoh, Durham, NC (US); Frankie Kong, Sheung shui (HK); Xin Ni, DaLian (CN); and Randy A. Rendahl, Raleigh, NC (US)
Assigned to International Business Machines Corporation, Armonk, NY (US)
Filed by International Business Machines Corporation, Armonk, NY (US)
Filed on Feb. 27, 2019, as Appl. No. 16/286,798.
Prior Publication US 2020/0273018 A1, Aug. 27, 2020
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/32 (2012.01); G06Q 20/14 (2012.01); G06Q 20/36 (2012.01); G06K 7/14 (2006.01)
CPC G06Q 20/3276 (2013.01) [G06Q 20/14 (2013.01); G06Q 20/36 (2013.01); G06K 7/1417 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A method, in a data processing system, comprising:
responsive to a recurring payment event occurring, sending, by a recurring payment collection system of the data processing system, a notification to a computing device of the customer that a recurring payment is due;
responsive to receiving a customer input to a digital wallet executing on the computing device and acknowledging the notification via the digital wallet executing on the computing device, generating, by the digital wallet, a quick response (QR) code for the recurring payment from a payment system, at least by encoding customer specific information and the recurring payment amount in a computer interpretable graphical pattern of the QR code;
providing, by the digital wallet, the QR code to the recurring payment collection system;
processing, by the recurring payment collection system, the QR code to request the recurring payment from the payment system;
in response to the digital wallet receiving a request from the payment system, processing, by the digital wallet, the QR code to interpret the computer interpretable graphical pattern of the QR code for authorizing the payment system to perform the recurring payment based on the customer specific information and the recurring payment amount encoded in the QR code; and
responsive to the recurring payment being processed by the payment system in response to the authorization from the digital wallet, acknowledging, by recurring payment collection system, that the recurring payment has been made.