CPC G06Q 20/3276 (2013.01) [G06K 19/06037 (2013.01); G06K 19/06112 (2013.01); G06Q 20/3274 (2013.01); G06Q 20/3821 (2013.01)] | 18 Claims |
1. A method for facilitating a transaction, the method comprising:
generating by an access device, a first machine readable code that encodes first data to form encoded information, wherein the first data comprises at least a random number unique to the transaction and a transaction amount for the transaction;
displaying, by the access device to a communication device, the first machine readable code, wherein the communication device (i) scans the first machine readable code, (ii) decodes the encoded information to obtain the random number unique to the transaction and the transaction amount, (iii) generates a cryptogram by encrypting the random number, the transaction amount, and device specific information for the communication device with an encryption algorithm, (iv) obtains a financial credentials from a payment application being executed on the communication device, (v) generates a second machine readable code that encodes second data comprising the financial credentials and the cryptogram, and (vi) displays the second machine readable code;
scanning, by the access device, the second machine readable code;
decoding, by the access device, the second machine readable code to determine the second data comprising the financial credentials and the cryptogram;
generating, by the access device, an authorization request message including at least the financial credentials, the random number, and the cryptogram; and
sending, by the access device, the authorization request message to an authorizing computer for authorization,
wherein the method further comprises:
prior to the generating the first machine readable code, sensing, by the access device using a short-range communication sensor, that the communication device of a user is in a proximity of the access device, and, in response to the sensing that the communication device is in the proximity of the access device, generating, by the access device, the first machine readable code.
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