Patent ID: 9704157
Date: 2017-07-11
CPC Classifications: G06K,G06Q

Claim:
1. A computer-implemented method, comprising: receiving, by a mobile wallet computer system, a request for a code to provide to a merchant; generating, by a code generator of the mobile wallet computer system, the code, wherein the code generator is configured to embed in the code a transaction identification number, a geographic location of the merchant, and a timestamp; providing, by network interface logic of the mobile wallet computer system, the code to the merchant for subsequently providing to a mobile device; receiving, by the network interface logic of the mobile wallet computer system from the mobile device, an amended code comprising authentication information to transfer funds to the merchant from an account held by an account holder associated with the mobile device, the authentication information including a geographic location of the mobile device; facilitating a sending of the funds, by the mobile wallet computer system, to the merchant upon verifying the geographic location of the mobile device is within a predetermined distance of the geographic location of the merchant.