Patent ID: 8459560

Claim:
A method to submit a payment using a mobile device, comprising: receiving, from a user of the mobile device, input to change a first code to a second code, wherein the first code comprises a payment account number stored in the mobile device; obtaining, using a processor of the mobile device and in response to the input of the user, the first code from a first output buffer of the mobile device, wherein the first output buffer stores data for transmission in a first transmission mode; converting, using the processor, the first code stored in the first output buffer into the second code; storing the second code in a second output buffer of the mobile device, wherein the second output buffer stores data for transmission in a second transmission mode; and transmitting, in response to storing the second code in the second output buffer, the second code to the POS device in the second transmission mode, wherein the payment account number is extracted from the second code by the POS device for completing the payment; retrieving, by a digital wallet application executing on the processor, the payment account number from a repository of the mobile device for converting to the first code, wherein transmission capability of the digital wallet application for submitting the payment is limited to transmitting the first code in the first transmission mode, wherein the second code is stored in the second output buffer and transmitted to the POS device in response to a plug-in module converting the first code into the second code.