CPC G06Q 20/3276 (2013.01) [G06K 7/1447 (2013.01); G06Q 20/12 (2013.01); G06Q 20/385 (2013.01); G06Q 20/40145 (2013.01)] | 20 Claims |
1. A computer-implemented method for performing an indicia-based payment transaction, the method comprising:
receiving, from a merchant device of a merchant, transaction information related to a selection of goods or services from the merchant;
generating or receiving an indicia encoded with the transaction information and encoded with additional information including payment preferences of a user;
transmitting the indicia to be displayed at the merchant device of the merchant, the display of the indicia enabling a first user device to scan the indicia and extract information related to the transaction information;
receiving, subsequent to tithe indicia being scanned by the first user device, and (ii) the indicia-based payment transaction being authorized on an application, of the first user device, that was opened in response to the indicia being scanned by the first user device, an authorization from the merchant device of the merchant to process the indicia-based payment transaction;
generating and transmitting a token indicating the authorization of the indicia-based payment transaction to the merchant device of the merchant, wherein the token conceals information related to the indicia-based payment transaction; and
processing the indicia-based payment transaction using the token.
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