Patent ID: 8682802
Filing Date: 2014-03-25
Classification: G06Q

Abstract:
1. A computer-implemented method comprising: receiving, by one or more computing devices including one or more hardware processors, a request for a one-time use payment token, the request specifying at least a user account, an amount, and an expiration time for the one-time use payment token, the expiration time being specific to the one-time use payment token; verifying, by at least one of the one or more computing devices, that the user account has an amount of funds available that is at least equal to the amount specified in the request; generating, by at least one of the one or more computing devices, the one-time use payment token as a number that is associated with the user account and is available for one-time use prior to the expiration time specified by the request for the one-time use payment token; transmitting the one-time use payment token to a user device associated with the user account, wherein the user device is configured to generate an image code based at least in part on the payment token; receiving a payment request from a recipient, wherein the payment request is received in response to a device associated with the recipient receiving the image code presented by the user device as part of a redemption request associated with the one-time use payment token, wherein the payment request is encrypted, and wherein the payment request includes at least the one-time use payment token and a requested amount; decrypting the payment request to identify at least the one-time use payment token and the requested amount; and causing the requested amount to be transferred from the user account to an account of the recipient based at least in part on determining that the one-time use payment token is valid and has not previously been received as part of a different payment request, that the one-time use payment token has not expired, and that the requested amount does not exceed the amount of the one-time use payment token.