Abstract
The present disclosure relates to a method for facilitating secure card-not-present (CNP) mobile payments through the use of a physical payment card embedded with an encrypted QR code. The QR code encodes essential cardholder data, including a primary account number (PAN) and expiry date. The method involves recognizing a designated input field on a mobile device while accessing a payment gateway interface. An interface module displays a camera icon adjacent to the input field, enabling a scanning procedure that utilizes a native camera application to read the QR code. This scanning process automatically populates the input field with the decoded PAN and expiry date, enhancing transaction accuracy and security by preventing exposure of the cardholder data to the merchant system.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
DOMINIC, DILEEP R., "TECHNIQUES FOR QR-ENABLED CARD CAPTURE FOR MOBILE PAYMENTS", Technical Disclosure Commons, (January 29, 2026)
https://www.tdcommons.org/dpubs_series/9247