Snap Mobile Payment Apparatuses, Methods and Systems
Summary
USPTO granted Visa International Service Association Patent No. US12597017B2 for SNAP mobile payment technology enabling QR code-based transactions via mobile devices. The patent covers systems for capturing merchant QR codes, decoding product information, processing payments through virtual wallets, and generating purchase receipts through payment networks. The patent includes 20 claims and was filed on February 16, 2022.
What changed
USPTO granted Patent No. US12597017B2 to Visa International Service Association for SNAP mobile payment technology covering mobile QR code capture, decoding, virtual wallet integration, and payment network processing. The patent transforms real-time merchant QR codes into virtual wallet card-based transaction notifications for point-of-sale purchases via mobile devices.
For technology companies and payment processors, this patent grant establishes enforceable IP rights for mobile QR payment systems that may affect product development strategies and competitive positioning in the digital payments space. Companies developing similar mobile payment solutions should consider potential licensing implications and freedom-to-operate analysis.
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Apr 7, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
Snap mobile payment apparatuses, methods and systems
Grant US12597017B2 Kind: B2 Apr 07, 2026
Assignee
VISA INTERNATIONAL SERVICE ASSOCIATION
Inventors
Ayman Hammad, Igor Karpenko, Miroslav Gavrilov, Abhinav Shrivastava, Mark Carlson, Prakash Hariramani
Abstract
The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS (“SNAP”) transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.
CPC Classifications
G06Q 20/3674 G06Q 20/36 G06Q 20/326
Filing Date
2022-02-16
Application No.
17673493
Claims
20
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