Patent ID: 11954662
Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method for originating a vending transaction via machine-readable code, the method comprising:
storing, in a memory of a computing device, an account identifier associated with a transaction account of a user;
reading, by an optical imaging device of the computing device, a machine-readable code displayed on a vending machine, wherein the machine-readable code:
is encoded with at least a device identifier identifying the vending machine; and
is dynamic such that the machine-readable code is usable only for completing the vending transaction, and a subsequent vending transaction with the vending machine can be performed only by utilizing a subsequent machine-readable code;

electronically transmitting, by a transmitting device of the computing device, at least the device identifier and the account identifier to a third party vending system that is a distinct entity from the vending machine and is in communication with the vending machine;
responsive to the electronic transmitting to the third party vending system, receiving, by the computing device from a third party payment system that is a distinct entity from both the third party vending system and the vending machine and is in communication with the third party vending system, an authentication request to verify the authenticity of the transaction account;
responsive to the authentication request, transmitting, by the transmitting device, a verification message to the third party payment system indicating the authenticity of the transaction account;
responsive to the third party payment system receiving the verification message:
obtaining, by the computing device from the third party payment system, a pre-authorization of an amount to purchase one or more products in the transaction, based on funds available in the transaction account; and
obtaining, by the computing device from the third party vending system, one or more product data entries that each indicates a product available in the vending machine and includes at least a product cost for the product;

displaying, on a display device interfaced with the computing device, the one or more product data entries;
receiving, by an input device interfaced with the computing device, at least one selected product data entry of the one or more product data entries;
electronically transmitting, by the transmitting device of the computing device, an indication of the at least one selected product data entry to the third party vending system;
receiving, by a receiving device of the computing device from the third party payment system, a transaction confirmation indicating approval of a payment transaction involving the transaction account and the vending machine, and indicating that the vending machine will dispense the at least one selected product based on the vending system transmitting instructions to the vending machine to dispense the at least one selected product.