CPC G06Q 20/08 (2013.01) [G06Q 20/3276 (2013.01); G06Q 20/353 (2013.01); G06Q 20/401 (2013.01); G07F 7/0873 (2013.01)] | 20 Claims |
1. A system, comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receiving, via a user device of a user, a request for processing a payment transaction between the user and a merchant;
in response to receiving the request, causing the user device of the user to (i) capture an image representing an identifier of a financial service provider account associated with the merchant and (ii) initiate a communication with a merchant device associated with the merchant;
obtaining, from the merchant device and based on the communication, transaction information associated with the payment transaction, wherein the transaction information comprises a device identifier of the merchant device, a transaction identification number associated with the payment transaction, and an amount associated with the payment transaction;
extracting the identifier of the financial service provider account from the image;
instructing a payment provider computer system to push funds, for the payment transaction, from a funding source of the user to the financial service provider account associated with the merchant based on the identifier and the amount; and
in response to obtaining an indication that the payment transaction has been processed from the payment provider computer system, transmitting a confirmation message to the merchant device based on the device identifier, wherein the confirmation message comprises the indication and the transaction identification number.
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