Patent ID: 9600815
Date: 2017-03-21
CPC Classifications: G06K,G06Q

Claim:
1. A computer-implemented method, comprising: receiving a request to perform a transaction between a merchant and a user having a mobile device and an account at a financial institution; determining a first location of the user based on a location of the mobile device; determining a second location of the user based on a location of the merchant; comparing the first and second location to ensure a match; receiving an identifier, the identifier being embedded in a code provided by the mobile device, wherein the code is provided as a two dimensional image, wherein the code further comprises a token generated by a computer processor of the financial institution and provided to the mobile device, and wherein the token is a sixteen digit number that is provided to the merchant; and transmitting an indication that the transaction has been completed, the transaction being completed based on the identifier and based on the match of the first and second location.