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Shopper Pre-Authorized Payments

IP.com Disclosure Number: IPCOM000257564D
Publication Date: 2019-Feb-19

Publishing Venue

The IP.com Prior Art Database

Related People

Robert Myers Peter Harrall Seth Teeples Edward Vitek


A shopper uses a financial institution's application to define and authorize a transaction (credit or debit) against his/her account. The financial institution then generates a QR, or other machine-readable code, that represents this transaction. The shopper is then free to present this code at the merchant of his choice without additional authorization required at the point of purchase.