Systems and methods for performing payment transactions using indicia-based associations between user interfaces

1. A computer-implemented method for performing an indicia-based payment transaction, the method comprising:

receiving, from a merchant server of a merchant, transaction information, including a transaction amount, related to a user's selection of goods or services from the merchant;

generating or receiving an indicia encoded with the transaction information, a payment source account, and payment preferences of the user;

transmitting, to the merchant server, the indicia to be displayed on a merchant device or a website hosted by the merchant server, the display of the indicia enabling a first user device of the user to scan the indicia and extract information related to the payment preferences of the user;

receiving from the first user device, subsequent to the indicia being scanned, an authorization to process the indicia-based payment transaction, based on the payment preferences of the user; and

if sufficient resources exist in a mobile payment source of the user for the indicia-based payment transaction:

generating and transmitting a token to the merchant server indicating the authorization of the indicia-based payment transaction using the mobile payment source of the user, wherein the token conceals information related to the mobile payment source in order to safeguard the information related to the mobile payment source of the user, wherein the information related to the mobile payment source of the user includes the mobile payment source and account details of the user; and

processing the indicia-based payment transaction using the resources of the mobile payment source.

2. The computer-implemented method of claim 1 , further comprising, subsequent to transmitting the indicia to the merchant to be displayed on the merchant device or the website hosted by the merchant server:

enabling the scanning of a display of the indicia, by the first user device, to extract information related to the user's payment preferences; and

enabling opening, by the user device, of a mobile application with information related to the user's payment preferences.

3. The computer-implemented method of claim 2 , wherein the merchant device or the website hosted by the merchant server, on which the indicia is displayed is on a user interface of an external user device that is different from the first user device, and wherein the display of the indicia is scanned by the first user device.

4. The computer-implemented method of claim 2 , further comprising:

receiving, from the first user device, a desired payment source to be used for the indicia-based payment transaction.

5. The computer-implemented method of claim 4 , further comprising, subsequent to scanning a display of the indicia, by the first user device:

displaying on a user interface of the first user device, information related to the payment source account of the user.

6. The computer-implemented method of claim 1 , further comprising, prior to receiving from the first user device, an authorization to process the indicia-based payment transaction:

authenticating the user using biometric data.

7. The computer-implemented method of claim 1 , wherein the indicia further encodes transaction information related to selected goods or services and the merchant including one or more of:

an identification of a merchant or merchant group;

an identification of the ordered good or service;

a quantity of each ordered good or service;

a type or category that a good or service belongs to;

a method of delivery for a good;

a date and time of arrival or shipment for an ordered good or service; and

a date and/or time of a purchase.

8. The computer-implemented method of claim 1 , wherein the indicia further encodes transaction information related to the transaction amount including one or more of:

a cost of each selected good and/or service;

a cumulative cost of the selected goods and/or services;

any one or more service fees, gratuity fees, taxes, conversion fees,

a total cost reflecting the addition of any one or more service fees, gratuity fees, taxes, conversion fees, or shipping related fees; and

a selection of a currency and/or mode of payment to be used for the transaction.

9. The computer-implemented method of claim 1 , wherein generating and transmitting a token to the merchant indicating the authorization of the payment transaction using a payment source of the user is performed using an application programming interface.

10. The computer-implemented method of claim 1 , wherein, if there are not sufficient resources available in the payment source of the user for the payment transaction:

transmitting a signal to one or more of the merchant or the first user device that indicates that the payment transaction cannot be processed; and

denying the further processing of the payment transaction.

11. A system for indicia-based payment transaction, the system comprising:

a data storage device storing instructions for performing an indicia-based payment transaction using the association of two user interfaces;

a merchant web server that hosts a merchant site that is displayed on an external user interface;

a first user device having a user interface; and

a processor configured to execute the instructions to perform a method including:

receiving, from a merchant server of a merchant, transaction information, including a transaction amount, related to a user's selection of goods or services from the merchant;

generating or receiving an indicia encoded with the transaction information, a payment source account, and payment preferences of the user;

transmitting, to the merchant server, the indicia to be displayed on a merchant device or a website hosted by the merchant server, the display of the indicia enabling a first user device of the user to scan the indicia and extract information related to the payment preferences of the user;

receiving from the first user device, subsequent to the indicia being scanned, an authorization to process the indicia-based payment transaction, based on the payment preferences of the user; and

if sufficient resources exist in a mobile payment source of the user for the indicia-based payment transaction:

generating and transmitting a token to the merchant indicating the authorization of the indicia-based payment transaction using the mobile payment source of the user, wherein the token conceals information related to the mobile payment source in order to safeguard the information related to the mobile payment source of the user, wherein the information related to the mobile payment source of the user includes the mobile payment source and account details of the user; and

processing the indicia-based payment transaction using the resources of the mobile payment source.

12. The system of claim 11 , wherein the merchant performs a method comprising:

receiving, through the merchant device or a website hosted by the merchant web server of the merchant, user input related to the selected goods or services by the user for the transaction amount;

transmitting, to the processor of the system for indicia-based payment transaction, information related to the selected goods or services by the user;

receiving, at the merchant web server of the merchant, an indicia that encodes the information related to the selected goods or services, the merchant, and the transaction amount; and

displaying the indicia at the merchant device or a website hosted by the merchant web server of the merchant.

13. The system of claim 11 , wherein, subsequent to transmitting the indicia to the merchant to be displayed on the merchant device or a website hosted by the merchant, the first user device performs a method comprising:

scanning a display of the indicia, by the first user device, to extract information related to the user's payment preferences; and

opening, by the first user device, a mobile application with information related to the user's payment preferences.

14. The system of claim 13 , wherein the merchant site, on which the indicia is displayed on the merchant site is on a user interface of an external user device that is different from the first user device, and wherein the display of the indicia is scanned by the first user device.

15. The system of claim 13 , further comprising:

receiving, from the first user device, a desired payment source to be used for the indicia-based payment transaction.

16. The system of claim 15 , further comprising, subsequent to scanning a display of the indicia, by the first user device:

displaying on the user interface of the first user device, information related to the payment source account of the user.

17. The system of claim 11 , wherein generating and transmitting a token to the merchant indicating the authorization of the indicia-based payment transaction using a payment source of the user is performed using an application programming interface.

18. The system of claim 11 , wherein, if there are not sufficient resources available in the payment source of the user for the indicia-based payment transaction:

transmitting a signal to one or more of the merchant or the first user device that indicates that the indicia-based payment transaction cannot be processed; and

denying the further processing of the indicia-based payment transaction.

19. A non-transitory machine-readable medium storing instructions that, when executed by a indicia-based payment system, cause the indicia-based payment system to perform a method for performing an indicia-based payment transaction, the method including:

receiving, from a merchant server of a merchant, transaction information, including a transaction amount, related to a user's selection of goods or services from the merchant;

generating or receiving an indicia encoded with the transaction information, a payment source account, and payment preferences of the user;

transmitting, to the merchant server, the indicia to be displayed on a merchant device or a website hosted by the merchant server, the display of the indicia enabling a first user device of the user to scan the indicia and extract information related to the payment preferences of the user;

receiving from the first user device, subsequent to the indicia being scanned, an authorization to process the indicia-based payment transaction, based on payment preferences of the user; and

if sufficient resources exist in a mobile payment source of the user for the indicia-based payment transaction:

generating and transmitting a token to the merchant server indicating the authorization of the indicia-based payment transaction using the mobile payment source of the user, wherein the token conceals information related to the mobile payment source in order to safeguard the information related to the mobile payment source of the user, wherein the information related to the mobile payment source of the user includes the mobile payment source and account details of the user; and

processing the indicia-based payment transaction using the resources of the mobile payment source.

20. The non-transitory machine-readable medium of claim 19 , wherein, subsequent to transmitting the indicia to the merchant to be displayed on the merchant device or the website hosted by the merchant server, the method further comprises:

enabling the scanning a display of the indicia, by the first user device, to extract information related to the user's payment preferences; and

enabling opening, by the first user device, of a mobile application with information related to the user's payment preferences.