Offline payment processing
    1.
    发明授权

    公开(公告)号:US10713679B1

    公开(公告)日:2020-07-14

    申请号:US15870491

    申请日:2018-01-12

    IPC分类号: G06Q30/02

    摘要: This disclosure is directed to techniques and systems to enable customers to make secure electronic payments to entities (e.g., merchants, vending machines, etc.). The entities may be at brick-and-mortar locations or other locations where the entities are “offline” and may not readily receive payments from customers that have payment accounts stored and managed by a host. In various embodiments, a customer may direct the host to transfer a payment to a merchant after the customer and merchant exchange a code that includes a payment instruction. The code may be used in place of usernames, passwords, or other personal information and may be difficult for others (e.g., bystanders, etc.) to intercept. After the exchange of the code, the customer may authorize the host to a transfer payment to the merchant based on the payment instruction.