CPC G06Q 20/3276 (2013.01) [G06K 7/1095 (2013.01); G06K 7/1417 (2013.01); G06K 19/06037 (2013.01); G06K 19/06112 (2013.01); G06Q 20/02 (2013.01); G06Q 20/208 (2013.01); G06Q 20/209 (2013.01); G06Q 20/227 (2013.01); G06Q 20/389 (2013.01); G06Q 20/40145 (2013.01); G06Q 30/0185 (2013.01); G06Q 40/02 (2013.01); H04L 63/083 (2013.01); H04L 63/0861 (2013.01); H04W 12/06 (2013.01); G06Q 2220/00 (2013.01)] | 17 Claims |
1. A transaction authorization system, comprising:
a point-of-sale (POS) device configured to:
scan one or more items to be purchased;
generate and display a machine-readable visual code for a transaction involving the one or more items to be purchased, wherein the machine-readable visual code comprises a transaction identifier for the transaction and a cost of the one or more items to be purchased;
a mobile device configured to:
receive personal information about a user of the mobile device;
determine that the user is authenticated upon determining that the received personal information is same as previously stored personal information;
after determining that the user is authenticated:
receive, from the POS device, the machine-readable visual code for the transaction;
receive a selection of a payment method for the transaction from a list of one or more payment methods;
generate, after the machine-readable visual code is received and the payment method selection is received, a token comprising at least the transaction identifier and the cost of the one or more items, wherein a first part of the token is generated based on a payment identifier associated with the selected payment method, and wherein a second part of the token is generated based on a value that uniquely identifies the user or an account of the user;
post a demand message to a payment blockchain identified by information in the token,
wherein the demand message notifies a provider of the selected payment method,
wherein the provider of the selected payment method posts a remand transaction to the payment blockchain; and
the POS device further configured to receive, from the payment blockchain, a message indicating that the transaction is authorized.
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