Mastercard Incorporated
Methods and systems for supporting QR code transactions

Abstract:

Systems and methods for QR code purchase transaction processing. In an embodiment, an interoperability computer system receives a push-type QR code payment request, validates the push-type QR code payment request, obtains local regulations governing QR code purchase transactions and at least one of a routing configuration for an originating institution (OI) and a routing configuration for a receiving institution (RI). The process also includes determining, by the interoperability computer system, that one of the OI or the RI is not configured for push-type purchase transactions or that local regulations do not permit push-type transactions, generating a pull-type QR code purchase transaction request, and transmitting the pull-type QR code purchase transaction request to a payment network.