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Mobile barcode generation and payment

  • US 10,176,474 B2
  • Filed: 10/09/2014
  • Issued: 01/08/2019
  • Est. Priority Date: 12/02/2008
  • Status: Active Grant
First Claim
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1. A system comprising:

  • a non-transitory memory; and

    one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising;

    receiving geo-location data from a mobile device of a user;

    accessing, from a database, user data associated with the user;

    determining, based on the geo-location data and the user data, a plurality of funding sources for the user;

    determining, based on the geo-location data, a local offer;

    generating a machine-readable code comprising funding data identifying the plurality of funding sources and the local offer;

    communicating the machine-readable code to the mobile device;

    receiving, from a merchant device, transaction data for a transaction, wherein the transaction data comprises the machine-readable code and item data directed to items associated with the transaction;

    determining, from the funding data of the machine-readable code received from the merchant device, the plurality of funding sources and the local offer;

    selecting, based on the geo-location data and the item data, one or more of the plurality of funding sources for use in the transaction;

    determining, based on the item data, that the local offer can be applied to the transaction;

    applying the local offer to the transaction; and

    processing a payment for the transaction utilizing the selected one or more funding sources.

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