SYSTEMS AND METHODS FOR SECURE MOBILE PAYMENTS

摘要

Systems and methods are provided that enable purchase and adjustment transactions using a visual Indicium displayed on a mobile device. In some embodiments, these indicia are in the form of bar codes, include alias information, and do not include an account number associated with a payment account. A mobile device receives first user input, displays the indicium to a merchant device. The merchant device scans the indicium and sends a transaction request including the alias information to a payment network. The payment network determines an appropriate financial institution for processing the transaction, and sends the transaction request to the appropriate financial institution. Based on the result, the payment network sends an approval to the merchant device. Additionally, a mobile processor system sends new alias information to the mobile device for use in a next transaction.