Camera as a vehicle to identify a merchant access device

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United States of America Patent

PATENT NO 8918334
SERIAL NO

13720781

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction.

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First Claim

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Patent Owner(s)

  • VISA INTERNATIONAL SERVICE ASSOCIATION

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Ciurea, Peter Orinda, US 25 3245

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jun 23, 2026
Fee Large entity fee small entity fee micro entity fee
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00