Facilitating Mobile Device Payments Using Product Code Scanning

摘要

Mobile device payments using barcodes are displayed on mobile devices and scanned by merchants at checkout counters. When a customer is ready to tender a payment to a merchant, instead of using a credit card, cash, or check, the customer activates an application on his mobile device. The mobile device includes or obtains information about the payment system of this merchant. Furthermore, the mobile device includes or obtains information about the customer/mobile device user and then uses these two pieces of information to generate and display a barcode that encodes customer payment information specific to this merchant. The barcode is scanned by one scan or one touch at the checkout counter and processed to retrieve customer records from a database of the payment processing system. These records are then used to transfer funds between the merchant and customer, obtain discounts, and/or perform other retail transactions.

主权项

1. A computer implemented method for facilitating mobile device payments from a customer payment account to merchant accounts of merchants using barcodes, one-scan, and one touch the computer implemented method comprising: reading product codes of corresponding products using a mobile device associated with a customer, wherein merchant identification information is encoded into each of the product codes, and wherein the product codes correspond to products sold by different merchants and have different corresponding merchant identification information encoded therein; based on the reading, providing the merchant identification information on a user interface of the mobile device associated with the customer, in accordance with a payment processing system comprising a plurality of merchants, the merchant identification information identifying a merchant in the payment processing system; transmitting, from the mobile device, user identification information of the customer to the payment processing system; transmitting, from the mobile device, the product codes to the payment processing system; subsequent to the transmissions, retrieving customer payment information associated with the customer using the user identification information and the merchant identification information by the payment processing system, the customer payment information corresponding to the customer payment account maintained at the payment processing system associated with the merchant and further including a name of the customer, a customer account number of a financial account, and an amount of available funds; based on the user identification information and the merchant identification information, retrieving customer records by the payment processing system, the customer records being maintained at the payment processing system, the customer records including at least discount information associated with the customer and loyalty program information associated with the customer; in response to the transmittal transmissions and the retrieving, generating, by the payment processing system, a barcode encoding the customer payment information and the customer records; transmitting, by the payment processing system, the barcode to the mobile device; and displaying the barcode on a screen of the mobile device, wherein the displayed barcode is scannable by a barcode scanner at a checkout counter of the payment processing system, by integrated one scan or one touch, and in response to the scanning, a payment is transferred from the customer payment account to each of the merchant accounts corresponding to the merchant identification information encoded into the product codes.