System and method for interoperable mobile wallet

Abstract

A computer system includes one or more processors and machine readable storage media coupled to the one or more processors having instructions stored therein. The instructions cause the computer system to: receive a request for a code on behalf of the payor; route the request to a first computing system; receive, from a second computing system, a message including a payee identifier and the code that includes account information of the payor; identify the first computing system based on the code; route the code and the payee identifier to the first computing system; receive, from the first computing system, the account information of the payor based on the code; and route the account information of the payor to the second computing system to process a payment from the payor to the payee.

What is claimed is: 
     
         1 . A computer system, comprising:
 one or more processors; and   machine readable storage media coupled to the one or more processors and having instructions stored therein that are executable by the one or more processors to process a transaction between a payor and a payee, the instructions, when executed by the one or more processors, cause the computer system to:
 receive a request for a code on behalf of the payor; 
 route the request to a first computing system; 
 receive, from a second computing system, a message including a payee identifier and the code, the code including account information of the payor; 
 identify the first computing system based on the code; 
 route the code and the payee identifier to the first computing system; 
 receive, from the first computing system, the account information of the payor based on the code; and 
 route the account information of the payor to the second computing system to process a payment from the payor to the payee. 
   
     
     
         2 . The computer system of  claim 1 , wherein the code expires after a predefined period of time. 
     
     
         3 . The computer system of  claim 1 , wherein the instructions, when executed by the one or more processors, further cause the computer system to:
 receive the code from the first computing system, wherein the code includes information regarding the first computing system.   
     
     
         4 . The computer system of  claim 1 , wherein the instructions, when executed by the one or more processors, further cause the computer system to:
 route the code to a mobile device of the payor.   
     
     
         5 . The computer system of  claim 4 , wherein the code is transmittable as near field communication data. 
     
     
         6 . The computer system of  claim 1 , wherein the instructions, when executed by the one or more processors, further cause the computer system to:
 in response to receiving an indication that the transaction has been approved from the first computing system, transmit stored payee loyalty information to the second computing system based on the payee identifier.   
     
     
         7 . The computer system of  claim 1 , wherein the code is displayable as a scannable code by one or both of a point of sale device of the payee and a mobile device of the payor. 
     
     
         8 . A computer-implemented method for processing a transaction between a payee and a payor, the method comprising:
 receiving a request for a code on behalf of the payor;   routing the request to a first computing system;   receiving, from a second computing system, a message including a payee identifier and the code, the code including account information of the payor;   identifying the first computing system based on the code;   routing the code and the payee identifier to the first computing system;   receiving, from the first computing system, the account information of the payor based on the code; and   routing the account information of the payor to the second computing system to process a payment from the payor to the payee.   
     
     
         9 . The method of  claim 8 , wherein the code expires after a predefined period of time. 
     
     
         10 . The method of  claim 8 , further comprising receiving the code from the first computing system, wherein the code includes information regarding the first computing system. 
     
     
         11 . The method of  claim 10 , further comprising routing the code to a mobile device of the payor. 
     
     
         12 . The method of  claim 11 , wherein the code is transmittable as near field communication data. 
     
     
         13 . The method of  claim 8 , further comprising:
 in response to receiving an indication that the transaction has been approved from the first computing system, transmitting stored payee loyalty information to the second computing system based on the payee identifier.   
     
     
         14 . The method of  claim 8 , wherein the code is displayable as a scannable code by one or both of a point of sale device of the payee and a mobile device of the payor. 
     
     
         15 . A non-transitory computer-readable medium storing instructions that, when executed by one or more processors cause operations to process a transaction between a payor and a payee, the operations comprising:
 receiving a request for a code on behalf of the payor;   routing the request to a first computing system;   receiving, from a second computing system, a message including a payee identifier and the code, the code including account information of the payor;   identifying the first computing system based on the code;   routing the code and the payee identifier to the first computing system;   receiving, from the first computing system, the account information of the payor based on the code; and   routing the account information of the payor to the second computing system to process a payment from the payor to the payee.   
     
     
         16 . The non-transitory computer-readable medium of  claim 15 , wherein the code expires after a predetermined period of time. 
     
     
         17 . The non-transitory computer-readable medium of  claim 15 , the operations further comprising receiving the code from the first computing system, wherein the code includes information regarding the first computing system. 
     
     
         18 . The non-transitory computer-readable medium of  claim 15 , wherein the code is transmittable via near field communication data. 
     
     
         19 . The non-transitory computer-readable medium of  claim 15 , the operations further comprising:
 receiving an indication that the transaction has been approved via a mobile device of the payor; and   transmitting stored payee loyalty information to the second computing system based on the payee identifier.   
     
     
         20 . The non-transitory computer-readable medium of  claim 15 , wherein the code is displayable as a scannable code by one or both of a point of sale device of the payee and a mobile device of the payor.