Mobile barcode generation and payment

Abstract

An application on user's mobile device (having a display screen) generates a one-time use and time-limited barcode on the display when the user enters a PIN. The barcode can be scanned to make purchases at a point of sale (POS).

1 . (canceled) 
     
     
         2 . A system, comprising:
 one or more processors, one or more computer-readable memories, with program instructions stored on the one or more computer-readable memories, the one or more processors configured to execute the program instructions to cause the system to perform operations comprising:
 in response to receiving a request from an authenticated user for a scannable payment code, transmitting information to the user device to cause the scannable payment code to be displayed on the user device, wherein the scannable payment code includes information that corresponds to a user account associated with the user; 
 receiving the scannable payment code from a merchant device of a merchant in association with a transaction; 
 in response to the receiving the scannable payment code from the merchant device, determining whether the scannable payment code corresponds with the user account of the user; and 
 in response to determining that the scannable payment code corresponds to the user account of the user, processing the transaction using the user account. 
   
     
     
         3 . The system of  claim 2 , wherein the operations further comprise:
 determining that the transaction satisfies one or more criteria corresponding to the scannable payment code; and   wherein the processing the transaction using the user account is further based on determining that the transaction satisfies the one or more criteria corresponding to the scannable payment code.   
     
     
         4 . The system of  claim 3 , wherein the determining that the transaction satisfies the one or more criteria corresponding to the scannable payment code includes determining that a time that the scannable payment code was received from the merchant device corresponds to a time period of validity associated with the scannable payment code. 
     
     
         5 . The system of  claim 3 , wherein the scannable payment code is configured to be usable for a transaction amount that is below a pre-defined amount, and wherein the determining that the transaction satisfies the one or more criteria corresponding to the scannable payment code includes determining that a transaction amount associated with the transaction is below the pre-defined amount. 
     
     
         6 . The system of  claim 3 , wherein the scannable payment code is configured to be usable for a transaction that is associated with a specific item or service, and wherein the determining that the transaction satisfies the one or more criteria corresponding to the scannable payment code includes determining that an item or service associated with the transaction corresponds to the specific item or service. 
     
     
         7 . The system of  claim 2 , wherein the scannable payment code transmitted is configured to be valid for a single transaction. 
     
     
         8 . The system of  claim 2 , wherein the operations further comprises:
 receiving authentication information from the user device; and   authenticating the user of the user device prior to transmitting the information to the user device to cause the scannable payment code to be displayed on the user device.   
     
     
         9 . A method comprising:
 in response to receiving a request from an authenticated user for a scannable payment code, transmitting information to the user device to cause the scannable payment code to be displayed on the user device, wherein the scannable payment code includes information that corresponds to a user account associated with the user;   receiving the scannable payment code from a merchant device of a merchant in association with a transaction;   in response to the receiving the scannable payment code from the merchant device, determining whether the scannable payment code corresponds with the user account of the user; and   in response to determining that the scannable payment code corresponds to the user account of the user, processing the transaction using the user account.   
     
     
         10 . The method of  claim 9 , further comprising:
 determining that the transaction satisfies one or more criteria corresponding to the scannable payment code; and   wherein the processing the transaction using the user account is further based on determining that the transaction satisfies the one or more criteria corresponding to the scannable payment code.   
     
     
         11 . The method of  claim 10 , wherein the determining that the transaction satisfies the one or more criteria corresponding to the scannable payment code includes determining that a time that the scannable payment code was received from the merchant device corresponds to a time period of validity associated with the scannable payment code. 
     
     
         12 . The method of  claim 10 , wherein the scannable payment code is configured to be usable for a transaction amount that is below a pre-defined amount, and wherein the determining that the transaction satisfies the one or more criteria corresponding to the scannable payment code includes determining that a transaction amount associated with the transaction is below the pre-defined amount. 
     
     
         13 . The method of  claim 10  wherein the scannable payment code is configured to be usable for a transaction that is associated with a specific item or service, and wherein the determining that the transaction satisfies the one or more criteria corresponding to the scannable payment code includes determining that an item or service associated with the transaction corresponds to the specific item or service. 
     
     
         14 . The method of  claim 9 , wherein the scannable payment code transmitted is configured to be valid for a single transaction. 
     
     
         15 . The method of  claim 9 , further comprising:
 receiving authentication information from the user device; and   authenticating the user of the user device prior to transmitting the information to the user device to cause the scannable payment code to be displayed on the user device.   
     
     
         16 . A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
 in response to receiving a request from an authenticated user for a scannable payment code, transmitting information to the user device to cause the scannable payment code to be displayed on the user device, wherein the scannable payment code includes information that corresponds to a user account associated with the user;   receiving the scannable payment code from a merchant device of a merchant in association with a transaction;   in response to the receiving the scannable payment code from the merchant device, determining whether the scannable payment code corresponds with the user account of the user; and   in response to determining that the scannable payment code corresponds to the user account of the user, processing the transaction using the user account.   
     
     
         17 . The non-transitory machine-readable medium of  claim 16 , wherein the operations further comprise:
 determining that the transaction satisfies one or more criteria corresponding to the scannable payment code; and   wherein the processing the transaction using the user account is further based on determining that the transaction satisfies the one or more criteria corresponding to the scannable payment code.   
     
     
         18 . The non-transitory machine-readable medium of  claim 17 , wherein the determining that the transaction satisfies the one or more criteria corresponding to the scannable payment code includes determining that a time that the scannable payment code was received from the merchant device corresponds to a time period of validity associated with the scannable payment code. 
     
     
         19 . The non-transitory machine-readable medium of  claim 17 , wherein the scannable payment code is configured to be usable for a transaction amount that is below a pre-defined amount, and wherein the determining that the transaction satisfies the one or more criteria corresponding to the scannable payment code includes determining that a transaction amount associated with the transaction is below the pre-defined amount. 
     
     
         20 . The non-transitory machine-readable medium of  claim 17 , wherein the scannable payment code is configured to be usable for a transaction that is associated with a specific item or service, and wherein the determining that the transaction satisfies the one or more criteria corresponding to the scannable payment code includes determining that an item or service associated with the transaction corresponds to the specific item or service. 
     
     
         21 . The non-transitory machine-readable medium of  claim 16 , wherein the scannable payment code transmitted is configured to be valid for a single transaction.