US 12,217,239 B2
Method and system for facilitating secure payment transactions
Kaushal Naveen Shetty, O'Fallon, MO (US); Ajay Sinha, Pune (IN); Rajesh Krishna Sadanand, Bangalore (IN); and Sachin Kumar Singh, Pune (IN)
Assigned to Mastercard International Incorporated, Purchase, NY (US)
Filed by Mastercard International Incorporated, Purchase, NY (US)
Filed on Sep. 15, 2023, as Appl. No. 18/467,845.
Application 18/467,845 is a continuation of application No. 17/745,187, filed on May 16, 2022, granted, now 11,797,973.
Application 17/745,187 is a continuation of application No. 17/343,849, filed on Jun. 10, 2021, granted, now 11,361,303, issued on Jun. 14, 2022.
Claims priority of application No. 202021033696 (IN), filed on Aug. 6, 2020.
Prior Publication US 2024/0005297 A1, Jan. 4, 2024
Int. Cl. G06Q 20/02 (2012.01); G06Q 20/32 (2012.01); G06Q 40/02 (2023.01); H04L 67/306 (2022.01)
CPC G06Q 20/327 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/326 (2020.05); G06Q 40/02 (2013.01); H04L 67/306 (2013.01)] 12 Claims
OG exemplary drawing
 
1. A method comprising:
presenting, via a user interface (UI) of a service application running on a payer device that includes a flash generation mechanism, a request for details of a payer account of a payer associated with the payer device and a payer identifier;
transmitting, by the service application to a payment network server, a registration request for a payment transaction service, the registration request including the details of the payer account and the payer identifier;
receiving, from the payment network server by the service application, a registration response, the registration response indicating successful registration of the payment transaction service for the payer account and the payer identifier;
presenting, via the UI of the service application, a flash code option;
based on a selection of the flash code option, presenting a request for a transaction amount;
receiving, via the UI of the service application, the transaction amount;
transmitting, by the service application, a flash code request to the payment network server, the flash code request including the transaction amount and the payer identifier;
based on the flash code request and the payer identifier, receiving, from the payment network server by the service application, a flash code associated with the transaction amount;
encoding, by the service application, the flash code into a flash pattern, comprising:
translating the flash code into binary format;
determining a flash ratio based on the binary format and an available battery percentage of the payer device;
determining a flickering duration and a time interval based on the transaction amount and a time;
determining a flash exposure based on the flash ratio; and
actuating the flash generation mechanism based on the translated flash code, the flash ratio, the flickering duration, the time interval, and the flash exposure, such that zeroes of the translated flash code are represented by the flash generation mechanism as regions of no flash in the flash pattern and ones of the translated flash code are represented by the flash generation mechanism as regions of flash light in the flash pattern, wherein the flickering duration is associated with the regions of flash light and the time interval is a period between the regions of flash light and no flash, and
communicating the flash pattern to a payee device via the flash generation mechanism.