Mastercard Incorporated
CODE-ENABLED AND PUSH REQUEST PAYMENT TRANSACTION METHODS

Abstract:

A payment transaction method is provided comprising: providing a 2-dimensional coded representation to a payment giver for identifying the payment receiver; providing a code recognition device to recognize the 2-dimensional coded representation as being associated with the payment receiver; commencing a payment transaction from a payment giver to the payment receiver; wherein the 2-dimensional coded representation is provided to the code recognition device using a non-visual interaction channel, and the 2-dimensional coded representation is recognized using non-visual scanning. Alternatively or additionally, a push request database may be provided which allows a selection to be made between payment using a push request or payment using a 2d coded representation. This selection may be performed by the payment giver, the payment receiver or an arbiter.