SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTIONS
A system for secure transactions receives an authorization request from a mobile device, the mobile device having received the authorization request by scanning a QR code and/or other encoded data. The system processes the authorization request using one or more transaction accounts that are paired to the mobile device, and transmits a response indicating approval or denial of the authorization request.
1 . A method comprising:
receiving, by a computer-based system for secure transactions, a registration request related to an offer from a mobile device, wherein the registration request includes data that is based on a quick response (QR) code, and wherein the mobile device acquires the QR code;
registering, by the computer-based system, a transaction account paired to the mobile device to receive the offer.
2 . The method of claim 1 , further comprising receiving, by the computer-based system, a selection of a second transaction account paired to the mobile device.
3 . The method of claim 2 , further comprising registering, by the computer-based system, the second transaction account rather than the transaction account to receive the offer.
4 . The method of claim 1 , wherein the QR code is displayed by a merchant electronic commerce website.
5 . The method of claim 1 , wherein the QR code is displayed by a payment processor website.
6 . The method of claim 1 , wherein the QR code is displayed in association with a merchant location.
7 . The method of claim 1 , wherein the mobile device acquires the QR code by scanning a display of the QR code.
8 . The method of claim 7 , wherein scanning a display of the QR code comprises taking a digital photograph of the QR code.
9 . The method of claim 1 , further comprising pairing, by the computer-based system, the transaction account to the mobile device based on an electronic serial number (ESN) associated with the mobile device.
10 . The method of claim 1 further comprising authenticating, by the computer-based system, a user to the mobile device prior to pairing the transaction account to the mobile device.
11 . The method of claim 1 , further comprising authenticating, by the computer-based system, a user to the transaction account prior to pairing the transaction account to the mobile device.
12 . The method of claim 1 , further comprising:
receiving, by the computer-based system, an authorization request based upon data encoded in the QR code; and
authorizing, by the computer-based system, the authorization request based upon the transaction account paired to the mobile device.
12 . The method of claim 12 , further comprising authenticating, by the computer-based system, a user to the mobile device prior to authorizing the authorization request.
13 . The method of claim 12 , further comprising authenticating, by the computer-based system, the mobile device to the transaction account prior to authorizing the authorization request.
15 . The method of claim 1 , further comprising decoding, by the computer-based system, the QR code.
16 . The method of claim 12 , further comprising transmitting, by the computer-based system, an authorization response to the mobile device.
17 . The method of claim 12 , further comprising transmitting, by the computer-based system, an authorization response to a merchant.
18 . The method of claim 12 , further comprising saving, by the computer-based system, a digital receipt of a transaction associated with the authorization request.
19 . An article of manufacture including a non-transitory, tangible computer readable medium having instructions stored thereon that, in response to execution by a computer-based system for secure transactions, cause the computer-based system to perform operations comprising:
receiving, by the computer-based system, a registration request related to an offer from a mobile device, wherein the registration request includes data that is based on a quick response (QR) code, and wherein the mobile device acquires the QR code;
registering, by the computer-based system, a transaction account paired to the mobile device to receive the offer.
20 . A system comprising:
a tangible, non-transitory memory communicating with a processor for secure transactions,
the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:
receiving, by the processor, a registration request related to an offer from a mobile device, wherein the registration request includes data that is based on a quick response (QR) code, and wherein the mobile device acquires the QR code;
registering, by the processor, a transaction account paired to the mobile device to receive the offer.