Patent ID: 11893570
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A transaction authorization system, comprising:
a point-of-sale (POS) device configured to:
scan one or more items to be purchased;
generate and display a machine-readable visual code for a transaction involving the one or more items to be purchased, wherein the machine-readable visual code comprises a transaction identifier for the transaction and a cost of the one or more items to be purchased;

a mobile device configured to:
receive personal information about a user of the mobile device;
determine that the user is authenticated upon determining that the received personal information is same as previously stored personal information;
after determining that the user is authenticated:
receive, from the POS device, the machine-readable visual code for the transaction;
receive a selection of a payment method for the transaction from a list of one or more payment methods;
generate, after the machine-readable visual code is received and the payment method selection is received, a token comprising at least the transaction identifier and the cost of the one or more items, wherein a first part of the token is generated based on a payment identifier associated with the selected payment method, and wherein a second part of the token is generated based on a value that uniquely identifies the user or an account of the user;

post a demand message to a payment blockchain identified by information in the token,
wherein the demand message notifies a provider of the selected payment method,
wherein the provider of the selected payment method posts a remand transaction to the payment blockchain; and

the POS device further configured to receive, from the payment blockchain, a message indicating that the transaction is authorized.