BARCODE CHECKOUT AT POINT OF SALE
A consumer at a merchant store can scan, with a user mobile device, a barcode generated by the merchant to make a payment. The information contained in the barcode include a merchant identifier, a total amount, and information about the items purchased. A payment provider processes the information received from the user device and notifies the merchant if the payment is approved. A digital receipt may be generated and stored for future use.
1 . A system, comprising:
a non-transitory memory storing user account information, wherein the information comprises a user account identifier and a transaction identifier; and
one or more processors for
receiving, by a payment provider, a desire for a user to pay at a point of sale for a financial transaction a merchant using an account with the payment provider and a user device;
receiving information from an identifier captured by the user device, wherein the identifier corresponds to details from the financial transaction;
processing the financial transaction; and
communicating an approval for payment to the merchant.
2 . The system of claim 1 , wherein the information further comprises a digital receipt corresponding to the payment.
3 . The system of claim 1 , wherein the one or more processors further receives log in information from the user.
4 . The system of claim 1 , wherein the identifier is a barcode or 2-D code.
5 . The system of claim 1 , wherein the identifier is associated with a digital receipt of the transaction.
6 . The system of claim 5 , wherein the digital receipt is stored with the merchant.
7 . The system of claim 1 , wherein the communicating is directly to the merchant.
8 . The system of claim 1 , wherein the communicating is indirectly through information stored in a database.
9 . The system of claim 1 , wherein the communicating is in response to a call from the merchant.
10 . The system of claim 5 , wherein the digital receipt is stored in the user device.
11 . The system of claim 5 , wherein the digital receipt is stored with the payment provider.
12 . The system of claim 1 , wherein the identifier is captured by scanning with the user device.
13 . A non-transitory computer-readable medium comprising a plurality of machine-readable instructions which, when executed by one or more processors, are adapted to cause the one or more processors to perform a method comprising
receiving, by a payment provider, a desire for a user to pay at a point of sale for a financial transaction a merchant using an account with the payment provider and a user device;
receiving information from an identifier captured by the user device, wherein the identifier corresponds to details from the financial transaction;
processing the financial transaction; and
communicating an approval for payment to the merchant.
14 . The non-transitory computer-readable medium of claim 13 , wherein the identifier is a barcode or 2-D code.
15 . The non-transitory computer-readable medium of claim 13 , wherein the identifier is associated with a digital receipt of the transaction.
16 . The non-transitory computer-readable medium of claim 13 , wherein the communicating is in response to a call from the merchant.
17 . The non-transitory computer-readable medium of claim 13 , wherein the identifier is captured by scanning with the user device.
18 . A method of processing a financial transaction, comprising:
receiving, electronically by a processor of a payment provider, a desire for a user to pay at a point of sale for a financial transaction a merchant using an account with the payment provider and a user device;
receiving, by the processor, information from an identifier captured by the user device, wherein the identifier corresponds to details from the financial transaction;
processing the financial transaction; and
communicating, electronically, an approval for payment to the merchant.
19 . The method of claim 18 , wherein the identifier is a barcode or 2-D code.
20 . The method of claim 18 , wherein the identifier is associated with a digital receipt of the transaction.
21 . The method of claim 18 , wherein the communicating is in response to a call from the merchant.
22 . The method of claim 18 , wherein the identifier is captured by scanning with the user device.