Patent ID: 11868974
Assignee: PAYPAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
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, via a user device of a user, a request for processing a payment transaction between the user and a merchant;
in response to receiving the request, causing the user device of the user to (i) capture an image representing an identifier of a financial service provider account associated with the merchant and (ii) initiate a communication with a merchant device associated with the merchant;
obtaining, from the merchant device and based on the communication, transaction information associated with the payment transaction, wherein the transaction information comprises a device identifier of the merchant device, a transaction identification number associated with the payment transaction, and an amount associated with the payment transaction;
extracting the identifier of the financial service provider account from the image;
instructing a payment provider computer system to push funds, for the payment transaction, from a funding source of the user to the financial service provider account associated with the merchant based on the identifier and the amount; and
in response to obtaining an indication that the payment transaction has been processed from the payment provider computer system, transmitting a confirmation message to the merchant device based on the device identifier, wherein the confirmation message comprises the indication and the transaction identification number.