Patent ID: 9613352
Date: 2017-04-04
CPC Classifications: G06Q,H04W

Claim:
1. A computer-implemented method in a payment processor server on a network for making payment without a physical card, comprising: responsive to receiving a payment request from the payee device, generating machine-readable information that is unique for the payment request; receiving a scan of the machine-readable information, from a payer device, to identify the payment request corresponding to the payee device; matching the payer device to payment information, wherein the payment information has been functionally handicapped to prevent normal use, wherein handicapping the digital asset comprises removing a portion of bits from the digital asset itself to prevent normal use of the digital asset; receiving a security data from the payer device that has read the machine-readable information, the security data being reconstituted by the payer device using at least a human gesture as input; reconstituting the payment information using the security data to functionally enable the payment information for normal use; satisfying the payment request of the payee from the payment information of the payer; and returning the payment information to being functionally handicapped to prevent normal use.