US 12,462,242 B2
Method and system for facilitating contactless payment
Srinivasan Baskaran, McKinney, TX (US); Venkata Sudheer Babu Chundi, Plano, TX (US); Mizan Miah, Wilmington, DE (US); Rasanjaya Herath Mudiyanselage, Irving, TX (US); Justin Robinson, Tampa, FL (US); Akmsaleh Sultan, Richardson, TX (US); Carlos Romero, Fort Myers Beach, FL (US); and Cesar Lopez Garcia, Plano, TX (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMorgan Chase Bank, N.A., New York, NY (US)
Filed on Apr. 26, 2023, as Appl. No. 18/139,696.
Prior Publication US 2024/0362611 A1, Oct. 31, 2024
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/20 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/325 (2013.01) [G06Q 20/204 (2013.01); G06Q 20/326 (2020.05); G06Q 20/4014 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for facilitating transaction information verification during contactless payment at a point-of-sale, the method being implemented by at least one processor and a point-of-sale terminal device, the method comprising:
displaying, by the at least one processor and the point-of-sale terminal device, via a graphical user interface, an input request for selecting a payment preference;
receiving, by the at least one processor via the point-of-sale terminal device, at least one selection from a user at the point-of-sale, the at least one selection corresponding to the payment preference;
determining, by the at least one processor, a transaction type based on the at least one selection, the transaction type including at least one from among a first transaction via a digital payment network that relates to a payment network that enables electronic type transactions and a second transaction via a mobile wallet that relates to a payment card associated with the user;
generating, by the at least one processor, a transaction token by a tokenization process that substitutes sensitive data with non-sensitive equivalents, wherein the transaction token relates to a reference that maps the non-sensitive equivalents to the sensitive data;
generating, by the at least one processor, a payment link and a corresponding web application that includes transaction information and the transaction token;
displaying, by the at least one processor via the graphical user interface, a machine-readable optical label that relates to the payment link and the corresponding web application;
scanning, by the at least one processor via a mobile device associated with the user, the machine-readable optical label;
transmitting, by the at least one processor via the point-of-sale terminal device, the transaction information and the transaction token to the mobile device based on the scanning of the machine-readable optical label;
receiving, by the at least one processor via the mobile device, a transaction request that includes the transaction information, the transaction token, and user payment information;
validating, by the at least one processor, the transaction request by using the transaction token, wherein the transaction token decrypts the transaction request to verify authenticity of the transaction request;
initiating, by the at least one processor, an electronic transaction based on the transaction request;
completing, by the at least one processor, the electronic transaction by directing a transfer of funds from an account of the user to a vendor account; and
transmitting, by the at least one processor, a result of the electronic transaction to the point-of-sale terminal device and to the mobile device.