Automatic payment code display system

Abstract

Automatic payment code display systems and methods include a user device detecting a beacon system at a physical merchant location. The user device establishes a background communication process with the beacon system that occurs without user intervention subsequent to detecting the beacon system. The user device then provides the user account authentication token to the beacon system as part of the background communication process. The user device then receives a payment code from the beacon system as part of the background communication process. The user device then causes the payment code to be displayed, and the displayed payment code is configured to be utilized by a payment processing device at the physical merchant location in a payment transaction. The payment code may be caused to be displayed on a lock screen in a background display process that occurs without user intervention.

What is claimed is: 
     
         1 . An automatic payment code display system, comprising:
 a non-transitory memory storing a user account authentication token;   one or more hardware processors coupled to the memory and configured to read instructions from the memory to perform the steps of:
 detecting a beacon system at a physical merchant location; 
 establishing a background communication process with the beacon system, wherein the background communication process occurs without user intervention subsequent to detecting the beacon system; 
 providing the user account authentication token to the beacon system as part of the background communication process; 
 receiving a payment code from the beacon system as part of the background communication process; and 
 causing the payment code to be displayed, wherein the payment code is configured to be utilized by a payment processing device at the physical merchant location in a payment transaction.