Mobile payment applications cannot be used to make payments if a person does not have a mobile device or if no data connectivity is available. This disclosure describes techniques to enable a user to make a payment even if the user does not have a mobile device or if their device does not have data connectivity. Per the techniques, a user can carry a printed QR code that includes information about the user’s payment account, e.g., a payment wallet, a bank account, etc. that serves as the source of payment. The code can be scanned by a merchant (or other user) that is to receive payment from the user using a merchant device. After the merchant scans the code using their device, the user can enter credentials on the merchant device to authenticate and approve the transfer.

Creative Commons License

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.