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

Claim 12:
13. A non-transitory computer readable program storage medium storing instructions that, when executed by a processor, causing the processor to implement a method comprising:
receiving, by a mobile device, personal information about a user of the mobile device;
determining, by the mobile device, 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:
receiving, by the mobile device from a point of sale (POS) device, a machine-readable visual code for a transaction, wherein the machine-readable visual code includes a transaction identifier for a transaction involving a purchase of one or more items scanned by the POS device and a cost of the one or more items;
receiving a selection, via the mobile device, of a payment method for the transaction from a list of one or more payment methods;
generating, after the machine-readable visual code is received and the selection of the payment method 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
wherein the POS device is configured to receive, from the payment blockchain, a message indicating that the transaction is authorized.