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.
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Rajendran, Arunkumar, "Offline Payments Using Printed QR Codes", Technical Disclosure Commons, (December 19, 2022)