Systems and methods for fast mobile payment

摘要

A method of completing transactions using a device includes displaying a pictogram including transaction details associated therewith by a merchant. The mobile device acquires the pictogram. The mobile device or a remote server decodes the transaction details. The mobile device displays for a user the decoded transaction details. If the decided transaction details are acceptable to the user, the user accepts, via the mobile device, the decoded transaction details. The mobile device transmits a confirmation of acceptance by the user to a remote server. The remote server transmits a payment request for the payment amount reflected in the transaction details to a payment gateway. The payment gateway validates the payment request. The merchant and the device receive a payment confirmation.

主权项

1. A method of completing transactions using a device, comprising:
creating and presenting, by a merchant, a stimulus including transaction details associated therewith; acquiring, by the device, the stimulus; decoding, by the device or by a remote server, the transaction details; displaying, by the device, the decoded transaction details; and if the decoded transaction details is acceptable to a user of the device:
accepting, by the user via the device, the decoded transaction details;transmitting, by the device to a remote server, a confirmation of acceptance by the user;transmitting, by the remote server to a payment gateway, a payment request for an amount reflected in the transaction details;validating, by the payment gateway, the payment request; andreceiving, by the merchant and the user, a payment confirmation.