SYSTEM AND METHOD FOR PROVIDING A REAL-TIME PAYMENT BETWEEN A CUSTOMER FINANCIAL INSTITUTION ACCOUNT AND A MERCHANT FINANCIAL INSTITUTION ACCOUNT FOR A TRANSACTION BASED ON A DIRECT COMMUNICATION BETWEEN A USER DEVICE AND A POINT-OF-SALE DEVICE
Systems and methods are disclosed for providing a payment authorization to a real-time payment (RTP) network to initiate an RTP between a customer financial institution account and a merchant financial institution account. One method performed by a payment facilitator device includes, based on a user device of a customer and a point-of-sale (POS) device of a merchant performing a direct communication regarding a transaction, receiving a payment request for a transaction amount of the transaction and receiving a customer authorization for the transaction. The payment facilitator then provides a payment authorization to an RTP network to initiate an RTP for the transaction amount of the transaction from a customer financial institution account to a merchant financial institution account, based on receiving the customer authorization for the transaction.
1 .- 20 . (canceled)
21 . A method performed by a user device, the method comprising:
generating a user interface (UI) of an application for providing a real-time payment (RTP) for a transaction between a customer financial institution account that is linked to the application and a merchant financial institution account of a merchant;
displaying, via the UI of the application, a view of a camera of the user device to permit the user device to scan a quick response (QR) code displayed on a point-of-sale (POS) device of the merchant;
scanning the QR code displayed on the POS device of the merchant;
obtaining transaction information based on scanning the QR code displayed on the POS device of the merchant; and
providing, to a payment facilitator device, a payment request including the transaction information to initiate the RTP for the transaction between the customer financial institution account that is linked to the application and the merchant financial institution account of the merchant.
22 . The method of claim 21 , further comprising:
providing, to the payment facilitator device, information identifying the customer financial institution account.
23 . The method of claim 21 , further comprising:
providing, to the payment facilitator device, a customer authorization for the transaction.
24 . The method of claim 21 , further comprising:
displaying, via the UI of the application, a set of customer financial institution accounts, including the customer financial institution account, that are linked to the application; and
receiving a selection of the customer financial institution account to be used to provide the RTP,
wherein the providing the payment request comprises providing the payment request based on receiving the selection of the customer financial institution account.
25 . The method of claim 21 , further comprising:
displaying, via the UI of the application, a preferences screen that permits a customer to set a budget, and setup two-factor authentication.
26 . The method of claim 21 , further comprising:
displaying, via the UI of the application, a QR screen that includes a scan QR icon and a show QR icon; and
receiving a selection of the scan QR icon,
wherein the displaying the view of the camera of the user device comprises displaying the view of the camera of the user device based on receiving the selection of the scan QR icon.
27 . The method of claim 21 , further comprising:
displaying, via the UI of the application, alignment indicators for aligning with the QR code.
28 . A user device comprising:
a memory configured to store instructions; and
a processor configured to execute the instructions to perform operations comprising:
generating a user interface (UI) of an application for providing a real-time payment (RTP) for a transaction between a customer financial institution account that is linked to the application and a merchant financial institution account of a merchant;
displaying, via the UI of the application, a view of a camera of the user device to permit the user device to scan a quick response (QR) code displayed on a point-of-sale (POS) device of the merchant;
scanning the QR code displayed on the POS device of the merchant;
obtaining transaction information based on scanning the QR code displayed on the POS device of the merchant; and
providing, to a payment facilitator device, a payment request including the transaction information to initiate the RTP for the transaction between the customer financial institution account that is linked to the application and the merchant financial institution account of the merchant.
29 . The user device of claim 28 , wherein the operations further comprise:
providing, to the payment facilitator device, information identifying the customer financial institution account.
30 . The user device of claim 28 , wherein the operations further comprise:
providing, to the payment facilitator device, a customer authorization for the transaction.
31 . The user device of claim 28 , wherein the operations further comprise:
displaying, via the UI of the application, a set of customer financial institution accounts, including the customer financial institution account, that are linked to the application; and
receiving a selection of the customer financial institution account to be used to provide the RTP,
wherein the providing the payment request comprises providing the payment request based on receiving the selection of the customer financial institution account.
32 . The user device of claim 28 , wherein the operations further comprise:
displaying, via the UI of the application, a preferences screen that permits a customer to set a budget, and setup two-factor authentication.
33 . The user device of claim 28 , wherein the operations further comprise:
displaying, via the UI of the application, a QR screen that includes a scan QR icon and a show QR icon; and
receiving a selection of the scan QR icon,
wherein the displaying the view of the camera of the user device comprises displaying the view of the camera of the user device based on receiving the selection of the scan QR icon.
34 . The user device of claim 28 , wherein the operations further comprise:
displaying, via the UI of the application, alignment indicators for aligning with the QR code.
35 . A non-transitory computer-readable medium storing instructions that, when executed by a processor of a user device, cause the processor to perform operations comprising:
generating a user interface (UI) of an application for providing a real-time payment (RTP) for a transaction between a customer financial institution account that is linked to the application and a merchant financial institution account of a merchant;
displaying, via the UI of the application, a view of a camera of the user device to permit the user device to scan a quick response (QR) code displayed on a point-of-sale (POS) device of the merchant;
scanning the QR code displayed on the POS device of the merchant;
obtaining transaction information based on scanning the QR code displayed on the POS device of the merchant; and
providing, to a payment facilitator device, a payment request including the transaction information to initiate the RTP for the transaction between the customer financial institution account that is linked to the application and the merchant financial institution account of the merchant.
36 . The non-transitory computer-readable of claim 35 , wherein the operations further comprise:
providing, to the payment facilitator device, information identifying the customer financial institution account.
37 . The non-transitory computer-readable of claim 35 , wherein the operations further comprise:
providing, to the payment facilitator device, a customer authorization for the transaction.
38 . The non-transitory computer-readable of claim 35 , wherein the operations further comprise:
displaying, via the UI of the application, a set of customer financial institution accounts, including the customer financial institution account, that are linked to the application; and
receiving a selection of the customer financial institution account to be used to provide the RTP,
wherein the providing the payment request comprises providing the payment request based on receiving the selection of the customer financial institution account.
39 . The non-transitory computer-readable of claim 35 , wherein the operations further comprise:
displaying, via the UI of the application, a preferences screen that permits a customer to set a budget, and setup two-factor authentication.
40 . The non-transitory computer-readable of claim 35 , wherein the operations further comprise:
displaying, via the UI of the application, a QR screen that includes a scan QR icon and a show QR icon; and
receiving a selection of the scan QR icon,
wherein the displaying the view of the camera of the user device comprises displaying the view of the camera of the user device based on receiving the selection of the scan QR icon.