Patent ID: 9524500
Filing Date: 2016-12-20
CPC Classification: G06Q

Claim Text:
1. A computer-implemented method comprising: receiving, by a computer processor of a mobile payment platform, a transfer request from a first client device to transfer a first monetary amount to the first client device from an account associated with a second client device; upon a determination that the account contains at least the first monetary amount, transmitting, from the computer processor of the mobile payment platform to the second client device, an approval request comprising instructions for generating a user interface at the second client device that displays information describing the transfer of the first monetary amount and selectable user interface elements for causing the second client device to generate and transmit an approval to transfer the first monetary amount to the first client device that identifies a fixed time duration during which the approval is valid; receiving, by the computer processor of the mobile payment platform from the second client device, the approval to transfer the first monetary amount to the first client device; transferring, from the computer processor of the mobile payment platform to the first client device, a code that can be displayed by the first client device and is redeemable for the first monetary amount; receiving, by the computer processor of the mobile payment platform from a point of sale (POS) device, an authorization request including the code, the code having been provided to the POS device by the first client device; determining, by the computer processor of the mobile payment platform, whether the first time duration has lapsed; and upon a determination that the first time duration has not lapsed, transferring, by the computer processor of the mobile payment platform, at least a portion of the first monetary amount from the account associated with the second client device to an account associated with the POS device.