System and method for a mobile wallet

Abstract

A mobile device communicatively coupled to a computer system is provided. The mobile device includes an application configured to facilitate communication with the computer system, and further configured to: generate a displayable and scannable code comprising a geographical location of a transaction and an approximate time of the transaction; provide the displayable and scannable code to a computing system; and receive, after providing the displayable and scannable code to the computing system, an indication that the transaction is authenticated.

What is claimed is: 
     
         1 . A mobile device communicatively coupled to a computer system, the mobile device comprising:
 an application configured to facilitate communication with the computer system and further configured to:
 generate a displayable and scannable code comprising a geographical location of a transaction and an approximate time of the transaction; 
 provide the displayable and scannable code to a computing system; and 
 receive, after providing the displayable and scannable code to the computing system, an indication that the transaction is authenticated. 
   
     
     
         2 . The mobile device of  claim 1 , wherein the computing system is associated, at least in part, with a merchant. 
     
     
         3 . The mobile device of  claim 1 , wherein a geographical location of the mobile device corresponds to a merchant geographical location of a merchant. 
     
     
         4 . The mobile device of  claim 3 , wherein the application is further configured to verify that the geographical location of the mobile device is within a threshold distance of the merchant geographical location. 
     
     
         5 . The mobile device of  claim 4 , wherein the threshold distance is 200 feet or less. 
     
     
         6 . The mobile device of  claim 1 , wherein the displayable and scannable code comprises authentication information. 
     
     
         7 . The mobile device of  claim 1 , wherein the displayable and scannable code is a quick response (QR) code. 
     
     
         8 . A computer-based method executed by a mobile device communicatively coupled to a computer system, the method comprising:
 generating a displayable and scannable code comprising a geographical location of a transaction and an approximate time of the transaction;   providing the displayable and scannable code to a computing system; and   receiving, after providing the displayable and scannable code to the computing system, an indication that the transaction is authenticated.   
     
     
         9 . The method of  claim 8 , wherein the computing system is associated, at least in part, with a merchant. 
     
     
         10 . The method of  claim 8 , wherein a geographical location of the mobile device corresponds to a merchant geographical location of a merchant. 
     
     
         11 . The method of  claim 8 , further comprising verifying that the geographical location of the mobile device is within a threshold distance of a merchant geographical location. 
     
     
         12 . The method of  claim 11 , wherein the threshold distance is 200 feet or less. 
     
     
         13 . The method of  claim 8 , wherein the displayable and scannable code comprises authentication information. 
     
     
         14 . One or more non-transitory computer-readable media having computer-executable instructions stored thereon, the instructions, when executed by at least one processor of a mobile device communicatively coupled to a computer system, cause the at least one processor to perform operations comprising:
 generating a displayable and scannable code comprising a geographical location of a transaction and an approximate time of the transaction;   providing the displayable and scannable code to a computing system; and   receiving, after providing the displayable and scannable code to the computing system, an indication that the transaction is authenticated.   
     
     
         15 . The one or more non-transitory computer-readable media of  claim 14 , wherein the computing system is associated, at least in part, with a merchant. 
     
     
         16 . The one or more non-transitory computer-readable media of  claim 14 , wherein a geographical location of the mobile device corresponds to a merchant geographical location of a merchant. 
     
     
         17 . The one or more non-transitory computer-readable media of  claim 16 , wherein the instructions, when executed by the at least one processor, cause the at least one processor to perform operations further comprising:
 verifying that the geographical location of the mobile device is within a threshold distance of the merchant geographical location.   
     
     
         18 . The one or more non-transitory computer-readable media of  claim 17 , wherein the threshold distance is 200 feet or less. 
     
     
         19 . The non-transitory computer-readable media of  claim 14 , wherein the displayable and scannable code comprises authentication information. 
     
     
         20 . The non-transitory computer-readable media of  claim 14 , wherein the displayable and scannable code is a quick response (QR) code.