Visa Inc.
TWO-DIMENSIONAL CODE TRANSACTION PROCESSING COMMON GATEWAY

Abstract:

Embodiments of the invention may provide a technical solution by creating an interoperable or common transaction payment gateway with two-dimensional code so that legacy two-dimensional code payment platform may communicate with the more robust transaction payment platform. Aspects of the invention design a handle message, instead of the typical actual transaction message, encoded in the two-dimensional code such that merchants or consumers may transmit such handle to be further processed or decoded by the transaction handler. An advantage of embodiments of the invention may no longer need the consumer or merchant to upgrade its existing device to interpret the two-dimensional code to retrieve the handle and may no longer need to upgrade its payment processing network infrastructure. Embodiments of the invention bridge a gap between the legacy close loop two-dimensional code infrastructure and the robust and sophisticated payment transaction infrastructure.