Payment using unique product identifier codes

Abstract

Various methods and systems are provided to capture a unique product code, such as QR code, on a mobile device, process the information contained in the code, provide the user with options of making a purchase, including purchasing a plurality of selected products from different captured codes, and processing the payment via the user's mobile device.

1 . A method of performing on-line transactions, comprising:
 receiving information about a product from a user, where the information is from a unique product code captured by a user device, wherein the information comprises price, product information, and account information of a recipient and wherein the unique product code is remote from and not attached to a corresponding product;   receiving information from the user a desire to purchase the product associated with the unique product code;   processing, by a processor, the information about the product and the information to purchase the product; and   transferring funds from an account of the user to an account of the recipient.   
     
     
         2 . The method of  claim 1 , wherein the unique product code is a two-dimensional code. 
     
     
         3 . The method of  claim 2 , wherein the product code is a quick response (QR) code. 
     
     
         4 . The method of  claim 1 , further comprising presenting to the user a plurality of different funding sources for payment of the product. 
     
     
         5 . The method of  claim 1 , wherein the information about the product and the information to purchase the product are received from a single action by the user. 
     
     
         6 . The method of  claim 1 , further comprising determining whether the user has an account with a payment provider. 
     
     
         7 . The method of  claim 6 , further comprising creating an account flow if the user does not have an account with a payment provider. 
     
     
         8 . The method of  claim 1 , wherein the transferring of funds comprises re-directing the user to a payment provider site to enter information for making the purchase. 
     
     
         9 . The method of  claim 8 , further comprising re-directing the user back to a merchant site after entering the information on the payment provider site. 
     
     
         10 . The method of  claim 1 , wherein the product code is captured by a camera. 
     
     
         11 . The method of  claim 1 , wherein the product code is captured by a scanner. 
     
     
         12 . The method of  claim 1 , further comprising receiving information about multiple products from the user, where the information is from unique product codes captured by a user device and wherein the information comprises price, product information, and account information of a recipient for specific ones of the products. 
     
     
         13 . The method of  claim 12 , further comprising receiving information from the user a desire to purchase selected ones of the products associated with the unique product codes. 
     
     
         14 . The method of  claim 13 , further comprising processing a single payment request from the user of the selected ones of the products. 
     
     
         15 . The method of  claim 1 , further comprising confirming the transfer of funds. 
     
     
         16 . A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:
 receiving information about a product from a user, where the information is from a unique product code captured by a user device, wherein the information comprises price, product information, and account information of a recipient and wherein the unique product code is remote from and not attached to a corresponding product;   receiving information from the user a desire to purchase the product associated with the unique product code;   processing, by a processor, the information about the product and the information to purchase the product; and   transferring funds from an account of the user to an account of the recipient.   
     
     
         17 . The non-transitory machine-readable medium of  claim 16 , wherein the unique product code is a two-dimensional code. 
     
     
         18 . The non-transitory machine-readable medium of  claim 16 , wherein the product code is a quick response (QR) code. 
     
     
         19 . The non-transitory machine-readable medium of  claim 16 , wherein the method further comprises presenting to the user a plurality of different funding sources for payment of the product. 
     
     
         20 . The non-transitory machine-readable medium of  claim 16 , wherein the information about the product and the information to purchase the product are received from a single action by the user. 
     
     
         21 . The non-transitory machine-readable medium of  claim 16 , wherein the method further comprises receiving information about multiple products from the user, where the information is from unique product codes captured by a user device and wherein the information comprises price, product information, and account information of a recipient for specific ones of the products. 
     
     
         22 . The non-transitory machine-readable medium of  claim 21 , wherein the method further comprises receiving information from the user a desire to purchase selected ones of the products associated with the unique product codes. 
     
     
         23 . The non-transitory machine-readable medium of  claim 22 , wherein the method further comprises processing a single payment request from the user of the selected ones of the products. 
     
     
         24 . The non-transitory machine-readable medium of  claim 22 , wherein the method further comprises confirming the transfer of funds. 
     
     
         25 . An on-line payment processing system comprising:
 means for receiving information about a product from a user, where the information is from a unique product code captured by a user device, wherein the information comprises price, product information, and account information of a recipient and wherein the unique product code is remote from and not attached to a corresponding product;   means for receiving information from the user a desire to purchase the product associated with the unique product code;   means for processing the information about the product and the information to purchase the product; and   means for transferring funds from an account of the user to an account of the recipient.   
     
     
         26 . The system of  claim 25 , wherein the unique product code is a two-dimensional code. 
     
     
         27 . The system of  claim 25 , wherein the product code is a quick response (QR) code. 
     
     
         28 . The system of  claim 25 , wherein a plurality of different funding sources for payment of the product is presented to the user. 
     
     
         29 . The system of  claim 25 , wherein the information about the product and the information to purchase the product are received from a single action by the user. 
     
     
         30 . The system of  claim 25 , wherein the means for receiving information about a product further receives information about multiple products from the user, where the information is from unique product codes captured by a user device and wherein the information comprises price, product information, and account information of a recipient for specific ones of the products. 
     
     
         31 . The system of  claim 26 , wherein the means for receiving information about a desire to purchase further receives information from the user a desire to purchase selected ones of the products associated with the unique product codes. 
     
     
         32 . The system of  claim 27 , wherein the means for processing further processes a single payment request from the user of the selected ones of the products.