AU2011329678A1

AU2011329678A1 - Financial card method, device and system utilizing bar codes to identify transaction details

Info

Publication number: AU2011329678A1
Application number: AU2011329678A
Authority: AU
Inventors: Michael Clay Atkins; David Brown; Alan Cooke; Oran Cummins; Stephen Elder; Garry Lyons; Daniel Martin
Original assignee: Mastercard International Inc
Current assignee: Mastercard International Inc
Priority date: 2010-11-19
Filing date: 2011-11-18
Publication date: 2013-07-04
Anticipated expiration: 2031-11-18
Also published as: WO2012068480A3; MX341079B; EP2641219A2; MX2013005633A; AU2011329678B2; WO2012068480A2; EP2641219A4

Abstract

An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network.

Description

WO 2012/068480 PCT/US2011/061433 FINANCIAL CARD METHOD, DEVICE AND SYSTEM UTILIZING BAR CODES TO IDENTIFY TRANSACTION DETAILS RELATED APPLICATIONS [0001] This application claims the priority benefit of commonly assigned U.S. 5 Provisional Application 61/415,529, "Financial Card Method, Device and System Utilizing Bar Codes to Identify Transaction Details," by Garry Lyons et al., filed November 19, 2010; U.S. Provisional Application No. 61/479,134, "Financial Card Method, Device and System Utilizing Bar Codes to Identify Transaction Details," by Garry Lyons et al., filed April 26, 2011; U.S. Provisional Application No. 10 61/534,963, "Method and System for Distribution of Advertisements to Mobile Devices Prompted by Aural Stimuli," by Alan Cooke et al., filed September 15, 2011; and U.S. Provisional Application No. 61/534,832, "Method and System for Purchasing Products Advertised on Multimedia Using Voice and/or Gesture-Based Commands," by Alan Cooke et al,, filed September 14, 2011. The subject matter of 15 all of the foregoing is herein incorporated by reference in its entirety. FIELD [0002] The present disclosure relates to electronic financial transactions, specifically through the use of a portable device having a memory and being capable 20 of reading machine-readable data. BACKGROUND [0003] There is market pressure for finding more convenient ways to reach out to consumers and to initiate a financial transaction with the consumer. There is also 25 market pressure for finding more convenient ways to conduct financial transactions between: (1) individuals, (2) individuals and businesses, and (3) two or more businesses once a transaction has been initiated. [0004] Consumers can often find themselves in a variety of situations and locations when they are introduced to a product or service (hereinafter "product" or 30 "products"). In many of these situations, the consumer is unable to initiate a - 1 - WO 2012/068480 PCT/US2011/061433 transaction or obtain more information about a product, such as when listening to a radio advertisement. In such situations when a consumer seeks more information, they might utilize a computing device such as a hand-held computing device capable of wireless communication, such as a cellular phone. However, the consumer is 5 required to search for the information themselves, which can prove difficult, time consuming, or impossible in instances where an advertisement has concluded without the consumer catching important information about the product. In the case of many wireless computing devices, a connection to a network may also be required to be able to look up product information. Thus, there exists a need for a 10 more efficient way for consumers to receive such information, such as an advertisement or a product or an invitation to initiate a financial transaction for the product. [00051 Consumers may be in a similar situation when viewing internet- or television-based advertisements for a product they wish to purchase, but are not 15 immediately able to do so. By the time the consumer is able to purchase the product, they may have forgotten the product they wished to buy or the merchant that was advertising. The consumer can also be at risk of making an incorrect purchase, such as choosing an incorrect model or brand of the product, or of paying too much or missing a special promotion by purchasing through a different 20 merchant. Thus, there exists a need for a consumer to be able to quickly and easily initiate a financial transaction for the visually or multimedia advertised product. [0006] There is additionally a need for a more convenient way to conduct a financial transaction. Hand-held computing devices capable of wireless communications now have the ability to read encoded transaction details (e.g., 25 camera enabled mobile phones that can be programmed to act as bar code readers) and have the ability to be programmed to automatically identify products for a price comparison, etc. based on read bar codes (e.g., the Red Laser" application on an iPhone*). Some companies, such as NTT Data Corp., suggest attaching bar code labels on invoices to facilitate input of account information through a camera 30 enabled mobile telephone because entry of long account numbers can be difficult on a telephone interface. Other payment methods rely on an RFID component in the telephone for wireless interface with a merchant or point of sale (POS) terminal. -2- WO 2012/068480 PCT/US2011/061433 The Groupe Speciale Mobile Association (GSMA) has recently announced a framework for a global standard for mobile phone payments. These measures do not fill the need envisioned by the present inventors. 5 SUMMARY [0007] The present disclosure provides a description of methods, data flows, and computer architecture to enable one skilled in the art to implement a system that utilizes a payer device and a pay code, both defined below, in order to facilitate a financial transaction. 10 [00081 The present disclosure also provides for a method and system of distributing context-based data to a mobile device prompted by acoustic based stimuli or based on a user's purchasing history and the location of the mobile device. Further, the present disclosure also provides for a method and system of initiating a financial transaction through human voice and gesture based actions. Additionally, 15 the present disclosure also provides a method and system for indirect control of a website. [0009] One exemplary electronic financial transaction method includes reading, in a payer device, a machine-readable pay code in which transaction details for a specific transaction are encoded, requesting the transaction details from a pay code 20 provider, and receiving the transaction details for display on the payer device. The method further includes receiving indications of payer selected transaction options from a user of the payer device, transmitting the indications to the pay code provider for conveyance to a payee, and receiving an indication that completion of the transaction has been initiated by initiating a payment from the payer to the payee. 25 The payer device is a communication device enabled to read machine-readable code and specifically programmed to electronically carry out the above reading, requesting, transmitting, and receiving actions. [0010] An exemplary method for distributing context-based data includes receiving, in an acoustic receiving device, a high frequency analog acoustic signal. 30 A high frequency analog acoustic signal is of a frequency of at least 21,000 Hz and contains encoded data. The high frequency analog acoustic signal is converted to a digital acoustic signal and then analyzed to obtain the encoded data. The method -3 - WO 2012/068480 PCT/US2011/061433 further includes decoding the encoded data to obtain information, and then displaying that information on the acoustic receiving device. [0011] An exemplary method for initiating a consumer transaction includes transmitting video data from a processing device to a display device, monitoring the 5 video for event data corresponding to a plurality of consumer products or services, receiving the event data in the processing device, and notifying a consumer on the display device of an eligible consumer transaction. The method further includes reading voice or human based gesture actions with a human interaction device, analyzing the voice or human based gesture actions, and initiating a consumer 10 transaction for the plurality of consumer products or services if the voice or human based gesture actions conform to a predetermined set of requirements. [00121 Another exemplary electronic financial transaction method includes reading, in a payer device, a machine-readable pay code in which transaction details for a specific transaction are encoded, displaying the transaction details on the payer 15 device, and connecting the payer device to a communications network. The method further includes requesting additional transaction details for the specific transaction from a pay code provider through the communications network and receiving the additional transaction details for display on the payer device. Indications of payer selected transaction options are received from a user of the payer device and 20 transmitted to the pay code provider for conveyance to a payee. The method further includes receiving an indication that completion of the transaction has been initiated by initiating payment from the payer to the payee. The payer device is a communications device enabled to read machine-readable code and specifically programmed to carry out the above reading, displaying, connecting, requesting, 25 receiving, and transmitting actions. [0013] Another exemplary method includes reading, in a payer device, a machine readable pay code in which a transaction identification for a specific transaction is encoded. The method further includes receiving transaction information for the specific transaction from a near field communication device, displaying the 30 transaction information on the payer device, and connecting the payer device to a communications network. Transaction details for the specific transaction are requested from a pay code provider through the communications network. The -4- WO 2012/068480 PCT/US2011/061433 method further includes receiving the transaction details for display on the payer device, receiving indications of payer selected transaction options from a user of the payer device, and transmitting the indications to the pay code provider for conveyance to a payee. An indication that completion of the transaction has been 5 initiated by initiating payment from the payer to the payee is received. The payer device is a communications device enabled to read machine-readable code and specifically programmed to electronically carry out the above reading, displaying, connecting, requesting, receiving, and transmitting actions. [0014] Another exemplary method includes receiving, in a mobile device, a high 10 frequency analog acoustic signal. The high frequency analog acoustic signal is of a frequency of at least 21,000 Hz and contains a machine-readable pay code in which transaction details for a specific transaction are encoded. The method further includes converting the high frequency analog acoustic signal to a digital acoustic signal, analyzing the digital acoustic signal to obtain the machine-readable pay code, 15 requesting the transaction details for the specific transaction from a pay code provider, and receiving the transaction details for display on the mobile device. Indications of payer selected transaction options are received from a user of the mobile device and then transmitted to the pay code provider for conveyance to a payee. The method further includes receiving an indication that completion of the 20 transaction has been initiated by initiating payment from the payer to the payee. The mobile device is a communications device enabled to read machine-readable code and specifically programmed to electronically carry out the above receiving, converting, analyzing, and requesting actions. [0015] Another exemplary method includes transmitting video data from a 25 processing device to a display device, monitoring for event data corresponding to a plurality of consumer products or services, receiving the event data in the processing device, and notifying a consumer on the display device of an eligible consumer transaction. Voice or human gesture based actions are read with a human interaction device and analyzed. If the voice or human gesture based actions conform to a 30 predetermined set of interaction requirements, a machine-readable pay code in which transaction details for a specific transaction for the plurality of consumer products or services are encoded is transmitted to a payer device. The method -5- WO 2012/068480 PCT/US2011/061433 further includes requesting the transaction details for the specific transaction from a pay code provider, receiving the transaction details on the payer device, and receiving indications of payer selected transaction options from a user of the payer device. The indications are transmitted to the pay code provider for conveyance to a 5 payee, and an indication that completion of the transaction has been initiated by initiating payment from the payer to the payee is received. The payer device is a communications device enabled to read machine-readable code and specifically programmed to carry out the above transmitting, requesting, and receiving actions. [0016] An exemplary method for indirectly controlling a website includes 10 displaying a unique machine-readable code unique to a specific display device displaying contents from a website through a server. The unique machine-readable code is readable by a user communication device, the user communication device in turn being able to communicate with the server through a communication path not involving an input device associated with the display device. The method further 15 includes receiving commands to control content displayed through the server from the user communication devices. The commands include the identity of the specific display device by the displayed unique machine readable code. The method further includes changing the content displayed on the specific display device. [0017] An exemplary electronic financial transaction system includes a pay code 20 provider, a payee, and a payer device. The payer device is configured to read a machine-readable pay code in which transaction details for a specific transaction are encoded, request the transaction details for the specific transaction from the pay code provider, display the transaction details, receive indications of payer selected transaction options from a user, transmit the indications to the pay code provider for 25 conveyance to the payee, and receive an indication that completion of the transaction has been initiated by initiating payment from the payer to the payee. [00181 An exemplary system for distributing context-based data includes an acoustic emitting device configured to emit a high frequency acoustic signal. The high frequency acoustic signal is of a frequency of at least 21,000 Hz, and the high 30 frequency acoustic signal contains encoded data. The system further includes an acoustic receiving device configured to receive the high frequency acoustic signal, convert the high frequency acoustic signal to a digital acoustic signal, analyze the -6- WO 2012/068480 PCT/US2011/061433 digital acoustic signal to obtain the encoded data, decode the encoded data, and display the decoded data. [0019] An exemplary system for initiating a consumer transaction includes a display device, a human interaction device configured to read and transmit voice or 5 human based gesture actions, and a processing device. The processing device is configured to at least receive video data; transmit the video data to the display device, receive and analyze the voice or human based gesture actions, compare the voice or human based gesture actions with a predetermined set of requirements, and initiate a consumer transaction if the voice or human based gesture actions meet the 10 predetermined first set of interaction requirements. The display device is also configured to receive the video data from the processing device and display the received video data. [0020] An exemplary electronic financial transaction system includes a pay code provider, a payee, and a payer device. The payer device is configured to read a 15 machine-readable pay code in which transaction details for a specific transaction are encoded, display the transaction details, connect to a communications network, request additional transaction details for the specific transaction from the pay code provider through the communications network, display the additional transaction details, receive indications of payer selected transaction options from a user, 20 transmit the indications to the pay code provider for conveyance to the payee, and receive an indication that completion of the transaction has been initiated by initiating payment from the payer to the payee. [0021] Another exemplary system includes a pay code provider, a payee, and a payer device. The payer device is configured to read a machine-readable pay code 25 in which transaction identification for a specific transaction is encoded, receive transaction information for the specific transaction through near field communication, display the transaction information, connect to a communications network, request transaction details for the specific transaction from the pay code provider through the communications network, display the transaction details, 30 receive indications of payer selected transaction options from a user, transmit the indications to the pay code provider for conveyance to the payee, and receive an -7- WO 2012/068480 PCT/US2011/061433 indication that completion of the transaction has been initiated by initiating payment from the payer to the payee. [00221 Another exemplary system includes a pay code provider, a payee, an acoustic emitting device, and a payer device. The acoustic emitting device is 5 configured to emit a high frequency acoustic signal. The high frequency acoustic signal is of a frequency of at least 21,000 Hz and contains a machine-readable pay code in which transaction details for a specific transaction are encoded. The payer device is configured to receive the high frequency acoustic signal, convert the high frequency acoustic signal to a digital acoustic signal, analyze the digital acoustic 10 signal to obtain the machine-readable pay code, request the transaction details for the specific transaction from the pay code provider, display the transaction details, receive indications of payer selected transaction options from a user, transmit the indications to the pay code provider for conveyance to the payee, and receive an indication that completion of the transaction has been initiated by initiating a 15 payment from the payer to the payce. [00231 Another exemplary system includes a payee, a pay code provider, a display device, a payer device, a human interaction device, and a processing device. The human interaction device is configured to read and transmit voice or human based gesture actions. The processing device is configured to at least receive video data; 20 transmit the video data to the display device, receive and analyze the voice or human based gesture actions, compare the voice or human based gesture actions with a predetermined set of requirements, and transmit a machine-readable pay code in which transaction details for a specific transaction are encoded to the payer device if the voice or human based gesture actions meet the predetermined set of 25 requirements. The display device is configured to receive the video data from the processing device and display the received video data. The payer device is configured to receive and read the machine-readable pay code, request the transaction details for the specific transaction from the pay code provider, display the transaction details, receive indications of payer selected transaction options from 30 a user, transmit the indications to the pay code provider for conveyance to the payee, and receive an indication that completion of the transaction has been initiated by initiating payment from the payer to the payee. -8- WO 2012/068480 PCT/US2011/061433 [00241 An exemplary system for indirectly controlling a website includes a server, a display device, and a user communication device. The display device is configured to display contents from a website through the server and display a unique machine-readable code unique to the display device. The user 5 communication device is configured to read the unique machine-readable code, communicate with the server through a communications path not involving an input device associated with the display device, and receive commands to control content displayed through the server, wherein the connands include the identity of the display device by the read unique machine-readable code. The display device is 10 further configured to change the displayed contents after the user communication device has received commands to control content displayed through the server. [0025] An exemplary payer device includes a pay code receiver for receiving a machine-readable pay code in which transaction details for a specific transaction are encoded, a receiver for receiving the transaction details for the specific transaction 15 and a transaction option, and a transmitter for transmitting to a transaction service provider the transaction option to initiate the specific transaction. [0026] An exemplary acoustic receiving device includes an acoustic receiver configured to receive a high frequency acoustic signal, wherein the high frequency acoustic signal is of a frequency of at least 21,000 Hz, and the high frequency 20 acoustic signal contains encoded data, a converter configured to convert the high frequency acoustic signal to a digital acoustic signal, a processor configured to analyze the digital acoustic signal to obtain the encoded data and to decode the encoded data, and a display configured to display the decoded data. [00271 An exemplary website control device includes a reader configured to read a 25 unique machine-readable code displayed on an external display device, a communication interface configured to communicate with an external server through a communication path, and an input interface configured to receive commands from a user to control content displayed on the external display device through the external server. The unique machine-readable code includes the identity of the 30 external display device. [00281 An exemplary method of distributing context based offers includes identifying a geographic location of a mobile device associated with a user, -9- WO 2012/068480 PCT/US2011/061433 identifying at least one merchant proximate to the geographic location, and identifying, in a user account associated with the user, at least one previous transaction between the user and the at least one merchant. The method further includes distributing an offer to the mobile device. The offer is for goods or services 5 and is associated with the at least one merchant. [00291 An exemplary system for distributing context based offers includes a database configured to store a user account associated with a user. The user account includes transactions between the user and a plurality of merchants. The system further includes a locating device configured to identify a geographic location of a 10 mobile device associated with the user, and a processor configured to: identify at least one merchant proximate to the geographic location, identify, in the database, at least one transaction between the user and the at least one merchant, and distribute an offer to the mobile device. The offer is for the purchase of goods or services and is associated with the at least one merchant. 15 [0030] An exemplary mobile device associated with a user includes a transmitter configured to transmit a geographic location of the mobile device and a receiver configured to receive an offer. The offer is for the purchase of goods or services and is associated with at least one merchant. The at least one merchant is proximate to the geographic location, and the user has previously conducted at least one 20 transaction with the at least one merchant. BRIEF DESCRIPTION OF THE DRAWING FIGURES [0031] Exemplary embodiments are best understood from the following detailed description when read in conjunction with the accompanying drawings. It is 25 emphasized that, according to common practice, the various features of the drawings are not to scale. On the contrary, the dimensions of the various features may be arbitrarily expanded or reduced for clarity. Included in the drawings are the following figures: FIG. 1A-1E are a block diagram illustrating a top-level view a 30 corresponding graphical user interface of a financial transaction system according to various exemplary embodiments; - 10 - WO 2012/068480 PCT/US2011/061433 FIGS. 2A and 2B are a flow diagram illustrating an exemplary basic pay code flow; FIG. 3 is a flow diagram illustrating an exemplary person-to-person pay code flow; 5 FIG. 4 is a flow diagram illustrating an exemplary e-commerce pay code flow; FIG. 5 is a flow diagram illustrating an exemplary quick payment pay code flow; FIGS. 6A and 6B are a flow diagram illustrating an exemplary open tab pay 10 code flow; FIGS. 7A-7C are a flow diagram illustrating an exemplary multiple payer pay code flow; FIGS. 8A and 8B are a flow diagram illustrating an exemplary poster-based pay code flow; 15 FIGS. 9A and 9B are a flow diagram illustrating an exemplary television based pay code flow; FIG. 10 is a flow diagram illustrating an exemplary multi-recipient or payee pay code flow; FIGS. 11 A and 11 B are a flow diagram illustrating an exemplary retailer 20 pay code flow; FIG. 12 is a flow diagram illustrating an exemplary payment processing flow for larger merchants; FIG. 13 is a flow diagram illustrating an exemplary payment processing flow for smaller merchants or on-behalf processing; 25 FIG. 14 is a block diagram illustrating exemplary computer architecture and exemplary data in accordance with various embodiments; FIGS. 15A-15C are diagrams illustrating a graphical user interface (GUI) for pay code processing; FIGS. 16A- 1 6F are diagrams illustrating a GUI of a payer device used for 30 the pay code processing of FIGS. 15A-15C; FIG. 17 is a block diagram illustrating an exemplary system for context-based data distribution according to exemplary embodiments; - 11 - WO 2012/068480 PCT/US2011/061433 FIG. 18 is a flow diagram illustrating a method for context-based data distribution via the system of FIG. 17 according to exemplary embodiments. FIG. 19 is a block diagram illustrating an exemplary system for initiating a consumer transaction using voice and human based gesture actions according to 5 exemplary embodiments; FIG. 20 is a block diagram illustrating a processor device for use in the system of FIG. 19 according to exemplary embodiments; FIG. 21 is a flow diagram illustrating a method for initiating a consumer transaction via the system of FIG. 19 according to exemplary embodiments; 10 FIGS. 22A and 22B are a flow diagram illustrating an exemplary delayed payment pay code flow; FIG. 23 is a block diagram illustrating a system for distributing offers to a mobile device according to exemplary embodiments; and FIG. 24 is a flow diagram illustrating a method for distributing offers to a 15 mobile device according to exemplary embodiments. [00321 Further areas of applicability of the present disclosure will become apparent from the detailed description provided hereinafter. It should be understood that the detailed description of exemplary embodiments are intended for illustration purposes only and are, therefore, not intended to necessarily limit the scope of the 20 disclosure. DETAILED DESCRIPTION Definitions of Terms [0033] Pay Code Arrangement - A method and computer-implemented system 25 specifically programmed to carry out the electronic financial transaction methods disclosed herein, in which a machine-readable representation of data may be generated with transaction details (e.g., a transaction identification) that can be read by a payer device as part of a financial transaction. [0034] Financial Transaction Account - Credit card accounts, debit card accounts, 30 hybrid card accounts, accounts with utilities or other credit providers, demand deposits, other revolving lines of credit, home equity loans, and/or nearly any other source of funds. - 12 - WO 2012/068480 PCT/US2011/061433 [0035] Payer - An individual, business, or other entity that wishes to transfer funds to a payee for reasons including, but not limited to, paying a debt, purchasing goods, services, and/or charitable contributions, among others. [0036] Payee - An individual, business, or other entity that receives funds 5 transferred from a payer for reasons including, but not limited to, paying a debt, purchasing goods, services, and/or other charitable contributions, among others. [0037] Pay Code - A machine-readable code used to identify a transaction and which may identify other transaction details, including, but not limited to, identification of one or more of: (1) the quality associated with the transaction, (2) 10 the quantity associated with the transaction, (3) the size associated with the transaction, (4) the color associated with the transaction, (5) shipping information associated with the transaction, (6) the identity of the payer associated with the transaction, (7) the payee or a third party associated with the transaction, and (8) the financial account identification or a pointer that can be used to identify an account 15 (e.g., a financial account), or nearly any other information that might be relevant to the parties or the transaction. A portion of the transaction details may be provided as part of the machine-readable code (e.g., attached to a transaction product or associated with the transaction product or transaction service) and other transaction details may be added by the payer or other entities during processing of the 20 transaction. [0038] Transaction skeleton - basic details of the transaction without a transaction identifier (ID) that may be represented in a barcode or on the pay code server. When the transaction ID is assigned, the transaction details then include the details for completion of a transaction. 25 [00391 Payer Device - computing devices including but not limited to hand-held computing devices such as smart phones, table computers, PDAs, personal compuers and network terminals, that have the ability to read machine-readable data and communicate with other computers and/or humans through an interface. - 13 - WO 2012/068480 PCT/US2011/061433 Exemplary Payer Device Implementations [0040] Payer devices (e.g., payer device 10B of FIG. 1) can be nearly any type of device that has the ability to communicate with other computers and is capable of reading machine-readable representations of data, such as a bar code (e.g., QR 5 code), RFID, acoustic signals or video signals, etc. Exemplary payer devices can include bar code scanners, personal digital assistants (PDAs) equipped with a camera, microphone or other sensing device, MP3 players equipped with a camera, microphone or other sensing device, cameras capable of communications with other computers, tablet computers and laptop computers with cameras microphones, 10 mobile telephones with a camera microphone, smart phones, etc. [0041] Other types of readers can be used, such as smait phones that have been adapted to read RFID tags, and RFID readers with communication capabilities, for instance. In most instances, nearly any unique tag could be used, whether optical, radio frequency (RF), magnetic, video and/or even sound-based, particularly 15 beacause each of these parameters (e.g., all of these physical parameters) can be measured on a current smait phone, such as the iPhone*. In some embodiments, an exemplary payer device may include a near field communication (NFC) chip, suitable for receiving data through near field communication. 20 Pay Code Implementations 10042] In the present exemplary embodiments, the pay code may be a matrix barcode (or two-dimensional code) such as a QR code or other codes such as an EZcode, a high capacity color barcode, a ShotCode, a MaxiCode, a GTIN12 code and/or GTIN-13 code, etc. The matrix bar code may be readable by bar code 25 scanners, mobile phones with a camera, and/or smart phones, for example. Exemplary QR codes may consist of black modules arranged in a square pattern on white background. The information encoded on the pay code can be text, a URL or other data. [0043] Pay codes, in their most basic form, can include a transaction identifier 30 (e.g., only a transaction identifier), although it is envisioned that many more details of the transaction may be encoded in the pay code. As such, a simple, one dimensional bar code may be used, but also any optical machine-readable - 14 - WO 2012/068480 PCT/US2011/061433 representation of data could be used in conjunction with an optical imager (e.g., a camera) on a payer device. As yet another alternative, RF identification, or nearly any other machine-readable representation of data, could be used that might be presented to a payer device or an adaptor of the payer device. For example, optical 5 machine-readable representations of data, which are currently available on most modern mobile phones equipped with a camera, may be used to capture and process the machine-readable representation of the data. [00441 In some exemplary embodiments, a pay code may be used simultaneously with a near field communication (NFC) chip. A pay code that only includes a 10 transaction identifier may be paired with a near field communication chip configured to transmit additional transaction information that a pay code may be unable to include (e.g., due to size limitations). As such, if a payer device is also equipped with a near field communication chip, when the payer device scans the pay code, it can also receive the additional transaction information from the paired NFC chip. 15 The ability to obtain additional transaction information not included with the pay code can be beneficial at times when a pay code provider may be unavailable (e.g., when the payer device lacks a network connection). Financial Transaction System Overview 20 [00451 FIG. 1A is a block diagram illustrating a top level view of a financial transaction system according to various exemplary embodiments. [0046] Referring to FIG. 1A, most credit card transactions involve four basic participants, although many other participants can be involved. The four basic participants are a customer (e.g., payer or user) 10 who may pay with a financial 25 transaction card, an issuer 20 that may issue the financial transaction card, a merchant 40 that may sell products or services (hereinafter "product" or "products"), and an acquirer 30 that may collect payment for the merchant 40. In the present system, however, this terminology does not always apply. For instance, the merchant 40 may be another person to whom the purchaser is indebted. The 30 purchaser may be someone who owes a debt, regardless of whether products or services are being purchased. The acquirer 30 may or may not be involved in certain transaction types. The present pay code arrangement may not involve the - 15 - WO 2012/068480 PCT/US2011/061433 current financial transaction system, but is explained in the context of the current financial transaction system that has been modified to handle pay codes for ease of understanding. [0047] As shown in FIG. 1, a pay code server (or barcode server) 50 may be 5 added to a traditional financial transaction card system. The pay code server 50 may be a stand-alone application (or system) or embedded in the processing (operations) by the issuer 20, the acquirer 30 or the merchant 40. The payer 10 may have a payer device 1 OA or 1 OB, such as a smart phone or mobile computer, among others as more fully explained herein. 10 [0048] FIGS. 1B-1E illustrate a graphical user interface (GUI) of a payer device 1 OA or 1 OB for performing a financial transaction in accordance with the system of FIG. 1A. [0049] A payer 10 may visit a restaurant or other eating establishment (e.g., the merchant 20) and may use their payer device 10A or IoB to place their order. FIG. 15 1B illustrates a GUI on the payer device 1 0A, including a menu screen 110 that offers a plurality of menu item selections 102A-102G. The payer 10 may select any number of the menu items 102A-I02G. FIG. IC illustrates a checkout screen 120, that prompts the payer to place an order after selecting menu items 102A and 102C. The menu items 102A and 102C may provide additional details (e.g., quantity, type, 20 etc.) for each item. The checkout screen 120 may also identify the payee 103 (e.g., the merchant 120). The payer 10 may select the payment method 104, for which the payer 10 wishes to pay for the transaction. The payment amount 105 may also be shown on the checkout screen 120. The payer 10 may initiate payment of the transaction by selecting the "pay now" button 106. 25 [0050] Upon initiating payment, the payer 10 may be presented with the details screen 130 on the payer device 10A, as illustrated in FIG. ID. The details screen 130 may include, for example, information relating to the payer 103, the payment method 104, and the payment amount 105. The details screen 130 may also provide the payer 10 with a list of all of the purchase menu items (e.g., menu items 102A 30 and 102C). A machine-readable barcode 107 may also be provided as part of the details screen 130. The machine-readable barcode 107 may be encoded with transaction information (e.g., a transaction ID, menu items, quantities of items, etc.). - 16 - WO 2012/068480 PCT/US2011/061433 The merchant 120 may use a device, such as a payer device 1OB, to read the machine-readable barcode 107 and obtain the transaction information. In one embodiment, the merchant 120 may read the machine-readable barcode 107 and decode the transaction information, which may be transmitted to or optically read at 5 the merchant's point of sale (POS) system for automatic entry of the order and/or payment information. [0051] In one embodiment, the payer 10 may select from one of the menu items (e.g., menu item 102C) from the details screen 130. Upon selection of the menu item, the payer 10 may be presented with a sharing prompt 108, as illustrated in FIG. 10 1E. The sharing prompt 108 may provide the payer 10 with options for sharing information about their purchase with others (e.g., on a social network, reimbursement/accounting software or services, day planner/journal/diary/ and/or dietary/purchase tracking software or service, etc.). 15 Basic Pay Code Transactions [0052] FIGS. 2A and 2B are a flow diagram illustrating an exemplary basic pay code flow. [00531 As shown in FIG. 2A and 2B, three entities may be involved in basic pay code transactions including the merchant 40, the pay code server 50 and the payer 20 device 1OA controlled by the payer 10. At block 202, the basic transaction details may be built (e.g., generated by the merchant 40). At block 204, the merchant 40 may send (e.g., communicate) the transaction details to the pay code server 50. At block 206, the transaction details may be received in (by) the pay code server 50 and, at block 208, the pay code server 50 may create an electronic record of the 25 transaction. At block 210, the pay code server 50 may send (e.g., return) the pay code to the merchant 40. The pay code (e.g., a QR code) may include data such as a transaction ID, and/or other details (e.g., optional transaction details). The data (e.g., the only data) that may be required for the pay code is a transaction ID. Additional transaction details, information about the parties (or the transaction), 30 financial accounts, and/or restrictions (e.g., policies on the use of the pay code or pricing, sales terms of the good or service associated with pay code, etc.), among others could be included together with the transaction ID for a particular pay code. - 17 - WO 2012/068480 PCT/US2011/061433 For example, the transaction details may include: (1) one or more transaction descriptions (e.g., identity, quantity, payment terms, payment amount, merchant ID, merchant category, merchant code, etc.); (2) an expiration (e.g., a time in which the transaction should transpire to be valid); (3) a recipient or a sender; and/or (4) other 5 clarifying information as is appropriate to a given circumstance, among others. [00541 At block 212, the merchant 40 may receive the pay code data and may electronically generate and then may display the pay code data (e.g., present or otherwise makes the pay code available, such as on a bill) to the payer device 1 0A. In certain exemplary embodiments, when using an optical pay code reader, the pay 10 code may be displayed on a screen or printed on paper, for example. [00551 At block 214, the payer device 10A may scan, detect, image or read the pay code and may extract the pay code data. At block 216, the pay code data may be stored in the payer device 1OA. At block 218, the pay code data (including the transaction ID) that is extracted may be used to query the pay code server 50 to 15 retrieve transaction details (corresponding to (e.g., associated with) the transaction ID and/or other transaction data of the pay code) from the pay code server 50. At block 220, the transaction details may be supplied by the pay code server 50 to the payer device 10A in response to a request (query) from the payer device 10A. For example, the transaction ID or other transaction data extracted from the pay code by 20 the payer device 10A may be matched to information stored in the pay code server 50. If a match results, the corresponding transaction details may be sent to the payer device 10A. [0056] At block 222, the payer device 10A may display or present the transaction details. At block 224, the user (e.g., of the payer device) may enter or may select 25 transaction custom options that may include transaction options such as quality, quantity, color, size and/or other product-specific or service-specific selections or options. The transaction custom options may also include shipping details such as shipping rates, shipping speed, and/or address information, among others. At block 226, the payer device 1OA may send the preselected transaction custom options 30 and/or the user-selected transaction custom options to the pay code server 50 that may verify the transaction custom options. -18 - WO 2012/068480 PCT/US2011/061433 [0057] At block 228, the pay code server 50 may forward the received transaction custom option or options to the merchant 40, which may verify them and may calculate, for example, shipping fees and taxes, as appropriate. At the same time as the verification operation or by user option, the payer device 1 OA, based on the 5 information from a transaction skeleton may provide the payer 10 with the option to fill-in shipping information for physical goods, quality or option items such as sizes, colors and locations, as explained above. [0058] At block 230, the payer device 10A can be used to select a funding card or a funding source. For example, if the payer 10 has more than one funding source 10 (e.g., credit cards, debit cards, hybrid cards or other sources of funding such as utility accounts, revolving credit lines, home equity loans, or nearly any other form or source of funds that are available to the payer), the payer 10 can select one funding card or source to be used for a given transaction through the payer device 10A. At block 232, the funding details may be forwarded to the pay code server 50. 15 [00591 In certain exemplary embodiments, the pay code server 50 may be dedicated to a particular funding source. In other exemplary embodiments, it will be apparent to one having ordinary skill in the relevant art that the pay code server may be integrated with other systems of the issuer 20 or acquirer 30 depending on the system implementation and may or may not include a dedicated pay code server 50. 20 [0060] At block 232, the pay code server 50 may identify funding details associated with funding the transaction, for example the issuer 20, the acquirer 30 and/or the account balance associated with the funding card, among others. At block 234, the identified funding details may be used to approve or disapprove the transaction and to notify the merchant 40 and the payer 10 via, for example, the 25 payer device 10A such that the merchant 40 can complete the associated order. At optional block 238, the approval may be presented (e.g., displayed) on the payer device 10A. [0061] In certain exemplary embodiments, the completion of the order may include removing, by the merchant 40, the product from inventory or scheduling, by 30 the merchant 40, the service based on a validation code from the pay code server 50. - 19 - WO 2012/068480 PCT/US2011/061433 [0062] With respect to further details regarding the approval of the transaction and notification to the user 10 and/or the merchant 40, attention is directed to FIGS. 12, 13 and 14. [0063] Although the basic pay code transaction flow has been disclosed, it is 5 contemplated that various modifications and specific implementations of transactions using pay codes may be possible. FIGS. 3-5, 6A-6B, 7A-7C, 8A-8B, 9A-9B, 10, 1 1A- 11B, and 22A-22B disclose exemplary transaction flows using such pay codes. It should be noted that these are merely exemplary transactions to which the present disclosure is not limited. 10 Person-to-Person Pay Code Transactions [0064] FIG. 3 is a flow diagram illustrating an exemplary person-to-person (P2P) pay code flow. [00651 The P2P pay code flow may include (e.g., involve) first and second payee 15 devices 10A and 10B. As an exemplary scenario, two people might desire to settle a debt. The first person or payee, who is owed the debt by the second person or payer, may open a pay code application on a smart phone 1 OA and may enter the amount of debt (e.g., transaction details). This may be implemented as a transaction detail entry screen or "get paid" screen. The second person or payer also may open a pay 20 code application on a second smart phone 1OB to a "pay" screen. The payee's smart phone 1 OA may generate a screen with a pay code, for instance, a matrix barcode or QR code that may be readable by barcode scanners, mobile phones with a camera, or other smart phones, and may include transaction details. The payer may point the camera of the second smart phone 10B at the screen (e.g., display) of the first smart 25 phone 10A and may image the displayed barcode. Once the displayed barcode is read, which may be almost instantaneous, the payer may choose which financial transaction card to pay with and may finalize the transaction. The payee may be alerted that the payment is complete via the pay code server 50. [0066] As illustrated in FIG. 3, the P2P pay code flow may be as follows. At 30 block 302, the payee device 10B may enter transaction details and, at block 304, may send the transaction details to the pay code server 50. At block 306, the transaction details may be received by the pay code server 50. The pay code server -20- WO 2012/068480 PCT/US2011/061433 50 may create an electronic record of the transaction, and, at block 308, may return pay code data (e.g., at least the transaction ID, as well as other optional information) to the payee device 1OB. At block 310, the payee device 1OB may receive the pay code data and, at block 312, may generate, and may display the pay code data and/or 5 the pay code. At block 314, the payer device 10A can be used to scan the pay code to extract the pay code data. At block 316, the pay code data may be stored. At block 318, the pay code data may be used to retrieve transaction details from the pay code server 50. [00671 At block 320, the transaction details may be provided by the pay code 10 server 50 upon request (or in response to a request, e.g., a query) by the payer device 10A. At block 322, the payer device 1OA may display or present the transaction details and, at block 330, may permit the payer an option to select or pick a funding card or funding source such that the payment details may be sent to the pay code server 50. 15 [0068] At block 332, the funding details may be generated by and may be stored in the pay code server 50. At block 334, based on the funding details, the pay code server 50 may approve or deny the transaction. At blocks 338 and 340, the pay code server 50 may notify the payer via the payer device 1OA and the payee via the payee device lOB of the results of the approval process. For example, the payee device 20 10B may receive an approval display which indicates whether the transaction has been approved or denied and may optionally include transaction details and the payer device 1 0A may also receive an approval display which indicates whether the transaction has been approved or denied and may also optionally include transaction details. 25 10069] It is contemplated that the payee may receive an approval message such that some or all transaction details may not be shared with the payee. For example, the payer may pre-establish the transaction details to be provided to the payer to maintain security of the transaction details. That is, the transaction approval process does not require the use of the payee's systems for transaction approval that may 30 improve security of the payer's transaction and personal information (e.g., credit account information, payee name, payee signature, etc). - 21 - WO 2012/068480 PCT/US2011/061433 [0070] Although the pay code server 50 is described as providing transaction approval, it is contemplated that the pay code server may be in communication with the transaction approver for such approvals. It is also contemplated that the pay code server may be a service provider for one or a plurality of issuers and may 5 incorporate approval policies specific to each issuer for such transaction approvals. E-Commerce Pay Code Transactions [00711 FIG. 4 is a flow diagram illustrating an exemplary e-commerce pay code flow. 10 [0072] As an example, a consumer may use a payer device 10A (or other computing platform) to shop via the Internet (online) with a retailer that may be a pay code enabled merchant 40. When checking out, the consumer may scan a convenient pay code (e.g., a barcode) that is generated on the screen of the payer device 10A by the merchant using a pay code application. Further details of how the 15 mobile device may effectively and indirectly take control of a web application session is described below under the subheading "Remote Control of Web Applications". The e-commerce retailer can view that the transaction had been completed without requiring the potentially burdensome process of obtaining financial transaction card details. 20 [0073] Referring now to FIG. 4, in the exemplary e-commerce pay code flow, at block 402, a user shopping at an e-commerce website 40A, can build a checkout cart and may choose to check out using a pay code as a presented option on the e commerce website 40A. At block 404, the e-commerce website 40A may send transaction details to the pay code server 50. At block 406, the transaction details 25 may be received and stored by the pay code server 50 and, at block 408, they may be used to create an electronic record of the transaction. At block 410, the pay code server 50 may return the pay code data (e.g., at least transaction ID and perhaps other optional data) to the e-commerce website 40A. At block 412, the received pay code data may be used to generate and to display the pay code and may be sent to 30 the payer device 10A. At block 414, the payer device 1OA may scan the pay code and may extract the pay code data. At block 416, the extracted pay code data may - 22 - WO 2012/068480 PCT/US2011/061433 be stored and, at block 418, may be used to retrieve transaction details from the pay code server 50. [0074] At block 420, the transaction details may be retrieved by the pay code server 50 and returned (e.g., sent) to the payer device 10A. At block 422, the payer 5 device 10A may optionally display (e.g., present) the transaction details. Based on information in the transaction skeleton, the payer 10 may also reference from other electronic sources or data and may fill in manually or automatically the referenced data, such as shipping information for physical goods, or other transaction details to facilitate the transaction. At block 430, the payer device 10A may also be used by 10 the consumer to select the funding card or the funding source and to send the payment details to the pay code server 50. At block 432, the received funding details may be used to approve or deny the transaction and the result of this approval process may be sent to the payer device 1 OA, as well as to the merchant 40A. At block 438, the payer device 10A may display the denial or the approval along with 15 some optional transaction details. At block 442, the merchant 40A in the same timeframe (e.g., simultaneously) may complete the order, if approved, and, at block 440, may display the approval or denial on the e-commerce website 40A. [0075] In certain exemplary embodiments, the approval may be displayed instantly (e.g., in real-time or near real-time) on the e-commerce website 40A, and in the 20 same window (or display) as the user was using for online shopping. Quick Payment Pay Code Transactions [00761 FIG. 5 is a flow diagram illustrating an exemplary quick payment pay code flow. 25 [0077] In accordance with an exemplary embodiment, in a full service restaurant a customer of the restaurant can eat his meal and then pay the bill or, in other more informal restaurants, the bill may be paid when the food is ordered or served. The server may display a receipt that may be printed on paper for review. Optionally, the bill may be displayed on a display device that may be coupled to or a part of a 30 transaction terminal, a portable device and/or a payer device used for ordering food. The display device may be part of a food management system (e.g. order taking and billing system) which may be used to carry out the general business of the - 23 - WO 2012/068480 PCT/US2011/061433 restaurant. Instead of carrying out the transaction using a conventional credit or debit card, which might involve waiting for the server to return with a payment slip or the like, the customer as the payer may use, for example, a smart phone to complete the transaction. 5 [00781 For example, the payer may scan a barcode associated with the transaction (for example, from the display or a printed bill), may add a tip for the waiter and may choose (e.g., select) via user selections a funding card, which is to be used. The payer may confirm the transaction, as well. The restaurant's food management system can check to confirm that the proper payment was made and clear the 10 transaction. [0079] Many restaurants are now using portable, wireless devices to take orders, which may simultaneously inform the kitchen staff of the order selected by the customer and may establish the transaction in the restaurant's food management computer system. In this implementation, the server could display the same 15 electronic device when the screen shows the pay code. In this way, the customer can review the bill, can confirm the bill details and then can scan the pay code assuming there is no dispute. [0080] It is contemplated that these types of electronic devices can be distributed to the customers (patrons). For instance, the patrons can review the menu, make 20 their selections without necessarily involving the server, and once the meal has been provided, the patrons may make a payment for the meal using the pay code and, for example, the patron's smart phone (or wireless device), thus minimizing the impact of time and complexity of the payment process on the server. The patron may at the same time (e.g., simultaneously) build the electronic record of the transaction 25 without substantial human intervention other than the patron's use of the smart phone or a wireless device. [00811 Referring now to FIG. 5, at block 502, a customer may eat at a restaurant and may request to checkout. At block 504, the restaurant point of sale system (POS) 40B may send transaction details to the pay code server 50. At block 506, the 30 transaction details may be received and stored by the pay code server 50 and, at block 508, the transaction details may be used to create an electronic record of the transaction. At block 510, the pay code server 50 may return (e.g., send) the pay - 24 - WO 2012/068480 PCT/US2011/061433 code data (e.g., at least transaction ID and perhaps other optional data) to the POS 40B. At block 512A, the received pay code data may be used to generate and to display and/or print the pay code. The pay code may be scanned by the payer device IA or may be electronically sent (e.g., communicated) to the payer device 10A. At 5 block 514, the payer device I 0A may scan the pay code and may extract the pay code data. At block 516, the extracted pay code data may then be stored and, at block 518, may be used to retrieve transaction details from the pay code server 50. [0082] At block 520, the transaction details may be retrieved by the pay code server 50 and returned (e.g., sent) to the payer device 10A. At block 522, the payer 10 device I 0A may optionally display (e.g., present) the transaction details. Based on information in the transaction skeleton, the payer 10 may also reference from other electronic sources data and may fill in manually or automatically the referenced data (such as the amount of the tip for the waiter) to facilitate the completion of the transaction. At block 524, the payer device 10A can also be used by the customer to 15 select a funding card and may send the payment details to the pay code server 50. At block 532, the received funding details may be used to approve or deny the transaction, at block 534, and the result of the approval process may be sent to the payer device 1OA and/or the POS 40B. At block 538, the payer device 1OA may display the approval along with some optional transaction details. At block 542, the 20 POS 40B may simultaneously complete the order and may update its records. Open Tab Pay Code Transactions [0083] FIGS. 6A and 6B are a flow diagram illustrating an exemplary open tab pay code flow. 25 [0084] As shown in FIGS. 6A and 6B, at block 602, a bartender or other service provider may choose to open a new tab (or transaction) for a customer at an establishment (e.g., a bar, a gaming establishment, hotel, etc.). At block 604, a point-of-sale system (POS) 40A of the establishment may send an open transaction request to the pay code server 50. 30 [00851 At block 606, the pay code server 50 may receive the transaction request and, at block 608, may create and store an electronic record of the transaction. At block 610, the pay code server 50 may return the pay code data to the POS 40A. At - 25 - WO 2012/068480 PCT/US2011/061433 block 612B, the pay code data (e.g., a bar code, such as a QR code) may be used by the printing of an open tab receipt with the pay code data printed thereon. At block 614, the patron 10 of the establishment (e.g., bar) may use the payer device 10A to scan the pay code printed on the open receipt to extract the pay code data. At block 5 616, the pay code data may be stored on the payer device 10A. 100861 At block 618, the patron 10 of the establishment may select a funding source using the payer device 1 OA. At block 632, the pay code server 50 may receive the funding details and, at block 644, the pay code server may approve (e.g., pre-approve) the electronic transaction and may notify the patron 10, the merchant 10 40, and/or the POS 40A. At block 638, the payer device 10A may display the approval (or denial). Substantially at the same time as the display of the approval, at block 646, the POS 40A may initiate tracking of the bill (tab). At block 648, the POS 40A can send a request to close a tab, and send the updated details to the pay code server 50. At block 650, the transaction details may be updated in the pay code 15 server 50 and may, based on a request from the payer device 10A, send the updated transaction details to the payer device 1 OA. [00871 At block 652, the patron 10 or user using the payer device 10A may receive and update the transaction details locally, which may involve rescanning of the printed pay code from the receipt or transmission of the transaction details to the 20 payer device 1OA. The update may be implemented through user input via interface keys on the payer device 1 OA. For example, the update may be initiated by pressing a button requesting the update or otherwise inputting such a request. At block 654, the user of the payer device 1OA can approve the transaction amount. The pay code server 50 may approve or disapprove the transaction in accordance with exemplary 25 operations shown in FIGS. 12-14, for instance. The pay code server 50 may notify the patron 10 and/or the merchant POS 40A of the approval or disapproval action. At block 656, the merchant POS 40A can complete the order and may close out the bill or tab. At block 638, the payer device 1OA can present, display or show the approval to let the patron 10 know (confirm) that the bill has been paid and that the 30 patron 10 may now be free to leave. - 26 - WO 2012/068480 PCT/US2011/061433 Multiple Payer Pay Code Transactions [00881 FIGS. 7A, 7B, and 7C are a flow diagram illustrating an exemplary multiple payer pay code flow. [0089] Referring now to FIGS. 7A, 7B and 7C, an exemplary sequence may 5 include (involve) the merchant 40, the pay code server 50 and the payer devices 1 OA and lOB. At block 702, the merchant 40 can build basic transaction details and, at block 704, the merchant 40 can send those transaction details to the pay code server 50. At block 706, the transaction details may be stored at the pay code server 50. At block 708, the transaction details at the pay codes server 50 may be used to create 10 an electronic record of the transaction and the pay code server 50 may return the pay code data (e.g., transaction ID, etc.) to the merchant 40. At block 710, the pay code data may be stored at the merchant 40 and, at block 712, the pay code data may be used to generate and to display the pay code (e.g., bar code). [00901 At block 714, a first payer device 1OA may scan one or more pay codes and 15 may extract the pay code data, which may be stored in the first payer device 1 OA, at block 716.. At block 718, the pay code data may be used to retrieve details from the pay code server 50, which may be stored, at block 720, in the pay code server 50, as transaction details. At block 722, the first payer device 1 OA may generate a display of the transaction detail. At block 730, the first payer device 10A may provide the 20 user with the option to select the funding card or the funding source and may send the payment details to the pay code server 50. At block 732, the funding details may be generated and at block 734, they may be used in an approval process to approve or deny the corresponding transaction. The user of the first payer device 1 OA may be notified accordingly. At block 738, the first payer device 10A, having received 25 the result of the approved process, may display the approval result. [0091] At block 758, the second payer device 10B may scan the pay code and may extract the pay code data and, at block 760, the pay code data may be stored in the second payer device 1OB. At block 762, the pay code data may be used to retrieve transaction details and a current balance from the pay code server 50. At block 764, 30 the transaction details may be sent to and stored in a database at the pay code server 50. At block 766, the second payer device lOB may display the received transaction details and, optionally, may permit the user 10 to select the funding card or the - 27 - WO 2012/068480 PCT/US2011/061433 funding source. At block 730, the second payer device 1OB also may send the payment details to the pay code server 50 and, at block 732, the funding details may be stored in the pay code server 50. At block 739, the pay code server 50 may approve or deny the transaction and may notify the user of the second payer device 5 1 OB and the merchant 40 of the approval result. At block 738, the approval or denial may be displayed to the user through the second payer device 10B. At block 736, at or about the same time as the display to the user of the second payer device 1 OB, the merchant 40 may complete the order. [0092] As is understood from the multiple payer process, the first and second users 10 can "split the tab"by having one user paying for a part of the transaction from its funding source and the second user then paying for the balance of the transaction on the second user's funding source. This may be advantageous for splitting tabs or any other circumstance where more than one person is motivated to pay part of a total bill. 15 [0093] Although two payers 10 are disclosed, it is contemplated that any number of payers may split the total bill (e.g., tab). Poster-Based Pay Code Transactions [0094] FIGS. 8A and 8B are a flow diagram illustrating an exemplary poster-based 20 pay code flow. [0095] As shown in FIGS. 8A and 8B, at block 802, a poster creator 40C can send a request for a new transaction skeleton from the pay code server 50. At block 870, the pay code server 50 may create a new transaction skeleton (e.g., pricing and/or description, among others). At block 872, the pay code server 50 may create an 25 electronic record of the transaction, may return the pay code data (transaction ID, etc.) to the poster creator 40C, and may create and display the pay code data. At block 874, the pay code data may be visually shown, or transmitted to the poster creator 40C, which may create a poster with the pay code (e.g., bar code) visible to the user. 30 [00961 In this exemplary scenario, rather than the pay code representing a unique transaction, it may encode a transaction skeleton or may identify a transaction skeleton stored in the pay code server 50. The merchant 40 may convey through the -28- WO 2012/068480 PCT/US2011/061433 poster details of the transaction what the merchant 40 desires included in the transaction should a customer 10 choose to buy the good or service being advertised. It is contemplated that the poster creator 40 may be a merchant who prints posters or directs a commercial printer to print the posters on the merchant's behalf. It is also 5 contemplated that a near field communication chip may operate simultaneously with the pay code, to convey additional data to the customer 10 if payer device 1OA includes a near field communication chip. [0097] At block 814, the payer device 10A may scan the skeleton pay code and may extract the pay code data and, at block 816, the pay code data may be stored. 10 At block 818, the pay code data may be used to retrieve transaction details from the pay code server 50. At block 820, the transaction details may be stored in a database of the pay code server 50, but can also be encoded in the pay code, or in a near field communication device. At block 822, the payer device 1 OA may display the transaction details and, at block 824, the user 10 may enter and/or may select custom 15 transaction options (e.g., quality, color, size, etc.) and shipping details, for instance. At block 826, the pay code server 50 may receive from the payer device 1OA the custom transaction options and may also verify the custom transaction options. At block 828, the poster creator 40C may receive from the pay code server 50 the custom transaction options, may verify the custom transaction options, and may 20 calculate costs for shipping and taxes, as required. [00981 At block 830, the user 10 can select the funding card or funding source and can send payment details to the pay code server 50 and, at block 832, the funding details may be stored in the pay code server 50. At block 839, the system may generate a unique transaction ID that may tie the purchase to a specific user. Up to 25 that point, there is no requirement to generate a transaction ID because there is no confirmed intent to buy the good or service. The transaction skeleton may be uniquely identified in the system. As such, the transaction skeleton is not a unique transaction yet, but rather the unique item, cart or container having particular details to copy into a new transaction at the payer's request. The pay code server 50 may 30 also approve or deny the transaction in accordance with, for instance, the process flows of FIGS. 12-14. At block 838, the payer device 1 OA can display the result of - 29 - WO 2012/068480 PCT/US2011/061433 the approval process and, at block 836, if approved; the poster creator 40C can complete the order. [0099] Although the pay code skeleton is disclosed for use with posters, it is contemplated that pay code skeletons may be used with any printed advertisement of 5 a good or a service to for example, identify the model or general service being offered and the details thereof prior to a completed transaction. In one exemplary embodiment, the pay code skeleton may be used with an advertisement on a website. [0100] In certain exemplary embodiments, the pay code skeleton may be used to identify a product or service for sale and may enable, for example, the review of 10 detailed offers (advertisements) at: (1) the payer device; (2) an electronic display in visual range of the payer device; and/or (3) an acoustic device in acoustic range of the payer device. In one embodiment, it may be used in conjunction with an acoustic stimuli-based distribution, as described below. The payer device may also direct the presentation of the detailed offer (video or acoustic) to the various devices 15 based on location information from a global positioning system (GPS) or by using device-to-device wireless communications. Television-Based Pay Code Transactions [0101] FIG. 9A and 9B are a flow diagram illustrating an exemplary television 20 based pay code flow. [0102] As shown in FIGS. 9A and 9B, at block 902, a shopping channel and/or an infomercial/advertisement provider 40D can request a new transaction skeleton. At block 970, the pay code server 50 may create a transaction skeleton (including, for example, pricing, description, etc.). At block 972, the pay code server 50 may create 25 an electronic record of the transaction and may return the pay code data (such as the transaction ID and/or other transaction details, among others) and, at block 912, may generate and may display the pay code data and/or may transmit it to the shopping channel, infomercial or advertisement provider 40D. [01031 At block 974, the shopping channel or infomercial/advertisement provider 30 40D may display the pay code (e.g., bar code) with a video overlay so that the pay code may be displayed by the payer device 1 OA. In one embodiment, the pay code may be encoded as event data in a video (e.g., in a vertical blanking interval) as -30- WO 2012/068480 PCT/US2011/061433 described below. At block 914, the payer device 10A may scan the pay code and may extract the pay code data and, at block 916, the pay code data may be stored in the payer device 10 A. In one embodiment, the pay code data may be extracted through voice or human based gesture actions, as described below. At block 918, 5 the payer device I0A may be used to retrieve transaction details from the pay code server 50. The transaction details may be previously stored in a database at the pay code server 50, at block 920. At block 922, the payer device I0A can display the received transaction details and, at block 924, the payer device I A can permit the user to enter or select transaction custom options (such as quality, color, size, 10 shipping details, etc.). [0104] At block 926, the pay code server 50 may verify transaction custom options. At block 928, the shopping channel/infomercial or advertisement provider 40D may also verify the transaction custom options and may calculate shipping and taxes, as appropriate (or required). At block 930, the user 10 of the payer device 15 1 GA may pick (e.g., select) a funding card or funding source and may send the details to the pay code server. At block 932, the funding details may be stored and, at block 939, the funding details may be used to generate a new transaction ID and/or approve or deny the transaction. At block 936, the shopping channel or infomercial/advertisement provider 40D can, if approved, complete the order and, at 20 block 938, the result of the approval process (e.g., approval or disapproval of the transaction) may be displayed on the payer device 10A. [0105] Although the pay codes are disclosed as being displayed in a video overlay, it is contemplated that any technique enabling the presentation or transfer of an image of the pay code from a video signal to a payee device may be used. For 25 example, a set-top box may enable the transfer of image data (e.g., the pay code skeleton) inserted into a blanking interval of the video signal to the payer device via wired or wireless communications for display on the payer device. In one exemplary embodiment, the transfer of the pay code skeleton to the payer device is triggered by human voice or gesture based commands, which may be read, for 30 example, by a human interaction device. -31 - WO 2012/068480 PCT/US2011/061433 Multiple Recipient Pay Code Transactions [0106] FIG. 10 is a flow diagram illustrating an exemplary multiple recipient or payee pay code flow. [01071 As shown in FIG. 10, first and second users of a service can be recipients 5 60A and 60B. For instance, at block 1002, the first recipient 60B may request a new multi-recipient transaction from the pay code server 50. At block 1078, the pay code server 50 may create an electronic record of the transaction and may assign a transaction ID. At block 1080, the first recipient 60B can add transaction details, such as an amount, a line item, etc. At block 1020, the transaction details may be 10 received from the pay code server 50 and may be stored in a database associated with the pay code server 50. Additionally, at block 1082, the second recipient 60A can add transaction details for herself, such as an amount, a line item, etc. At block 1012, the pay code server 50 may generate and may display the pay code. [0108] At block 1014, the payer device 1OA can scan the pay code and may extract 15 pay code data. At block 1016, the pay code data can be stored. At block 1018, the payer device 1OA may retrieve transaction details from the pay code server 50. At block 1022, the payer device 1OA may display (e.g., present) the transaction details. At block 1030, the payer device 1OA may offer the ability to pick (e.g., select) the funding card or source and may send the payment details to the pay code server 50. 20 At block 1032, the funding details may be used to approve or deny the transaction in the manner shown in FIGS. 12-14. At block 1034, the pay code server 50 may notify both the user 10 and the recipients of the result of the approval process. At block 1038, the result of the approval process (approval or denial) may be displayed or presented by the payer device 1OA and the first recipient 60B such that, at block 25 1036, if approved, the first recipient 60B can complete the order. In some embodiments, the result may also be displayed or presented to the second recipient 60A such that, if approved, the second recipient 60A can complete the order. [01091 Three examples of this form of transaction may include: [01101 A user may shop on an e-Commerce site such as etsy.com where multiple 30 merchants post their goods (e.g., wares). The user may build a cart of items that the server may keep track of for the individual merchants that require payment. The user may be presented with a single transaction confirmation screen and may be - 32 - WO 2012/068480 PCT/US2011/061433 notified that the transaction may appear as several charges on their bill. The pay code server 50 may notify each merchant of the purchase and may initiate the multiple transactions (individual purchases) on the user's behalf. [01111 In a physical mall setting, a shopper may not want to carry around bags and 5 boxes of purchases. Rather, the shopper may initiate an electronic cart and may walk around the mall or series of stores. In this exemplary scenario, the shopper may build the electronic cart by collecting pay code skeletons from goods and/or service offerings and may complete the transaction at their leisure with shipping instructions (such as shipping location) for the goods or services, for example. 10 [0112] Real-estate, automobile purchases, and other relatively complex transactions that involve multiple players are another type of multi-recipient transaction, e.g., a transaction in which a payer may confirm payments to several payees (e.g., title companies, closing agents, insurance agents, government authorities, former owners, etc.) 15 Retailer Pay Code Transactions 101131 FIGS. 11 A and 11 B are a flow diagram illustrating an exemplary retailer pay code flow. [0114] Referring to FIGS. 11 A and 1 IB, a retail store may have a display 40D, for 20 example, viewable by customers (e.g., in a window or in the retail store). At block 1102, the retail store may request a new transaction skeleton of the pay code server 50. At block 1170, the pay code server 50 may create a new transaction skeleton and at block 1172, the pay code server 50 may create an electronic record of the transaction. The pay code server 50 may also return the pay code data (e.g., the 25 transaction ID, etc.) and at block 1112, may optionally generate and display the pay code (e.g., bar code). At block 1074, the retail store 40D may print or may generate and print the pay code on a retail display (e.g., an item pricing display, an in-store marketing display or any other display for displaying product or service information). 30 [0115] At block 1114, the payer device 1OA can scan the pay code and may extract the pay code data. At block 1116, the pay code data may be stored and used, at block 1118, to retrieve transaction details from the pay code server 50. At block -33 - WO 2012/068480 PCT/US2011/061433 1120, the transaction details may be stored in the pay code server 50 and may be returned to the payer device 1 OA such that, at block 1122, the transaction details may be displayed on (e.g., presented by) the payer device 10A. At block 1124, the payer 10 may enter and/or select transaction custom options (e.g., the quality, color, 5 size, shipping details, etc.). At block 1126, the transaction custom options may be verified in the pay code server 50 and, at block 1128, the transaction custom options may be verified in the retail store. The retail store may also calculate shipping and taxes, if appropriate. [0116] At block 1130, the payer device 10A may permit the user to select or pick a 10 funding card or source and can send the payment details (or funding details) to the pay code server 50. At block 1132, the funding details may be used to generate a new transaction ID and, at block 1134, may carry out the approval process for the transaction. At block 1136, the information may be conveyed to the retail store or store display 40D, which, if approved, may complete the order. At block 1138, the 15 user 10 via the payer device 10A, may display the result of the approval process. Delayed Payment Pay Code Transactions [0117] FIGS. 22A and 22B are a flow diagram illustrating an exemplary delayed payment pay code flow. 20 [0118] Referring now to FIGS. 22A and 22B, an exemplary sequence may include (involve) the merchant 40, the pay code server 50 and the payer device 10A. At block 2302, the merchant 40 can build basic transaction details and, at block 2304, the merchant 40 can send the transaction details to the pay code server 50. At block 2306, the transaction details may be stored at the pay code server 50. At block 2308, 25 the transaction details at the pay codes server 50 may be used to create an electronic record of the transaction and the pay code server 50 may return the pay code data (e.g., transaction ID, etc.) to the merchant 40. In an exemplary embodiment, the pay code data may include basic transaction data (e.g., product information, purchase price, etc.) In another exemplary embodiment, information for a transaction ID can 30 be stored (e.g., on the device, such as in an application database, or in a chip accessed using near field communication). At block 2310, the pay code data may be - 34 - WO 2012/068480 PCT/US2011/061433 stored at the merchant 40 and, at block 2312, the pay code data may be used to generate and to display the pay code (e.g., bar code). [01191 At block 2314, the payer device 10A may scan one or more pay codes and may extract the pay code data, which may be stored at block 2316. At block 2318, 5 the payer device 1 OA may generate a display of the pay code data, including any included basic transaction data. At block 2320, the payer device 10A connects to a network (e.g., a mobile network), and thereby retrieves additional details from the pay code server 50, at block 2322, which may be stored, at block 2324, in the pay code server 50, as additional transaction details. At block 2326, the payer device 10 1OA may generate a display of the additional transaction details. At block 2328, the payer device 1 OA may provide the user with the option to select the funding card or the funding source and may send the payment details to the pay code server 50. At block 2330, the funding details may be generated and at block 2332, they may be used in an approval process to approve or deny the corresponding transaction. The 15 user 10 and merchant 40 may be notified accordingly. At block 2334, the merchant 40, having received the result of the approved process, may display the approval result, which may also be displayed to the user 10, at block 2336. [01201 As is understood from the delayed payment process, a payer who views an advertisement or otherwise wishes to make a purchase for a product when lacking a 20 network connection, can initiate a transaction by reading (e.g., scanning) a pay code and then proceeding with the transaction after a network connection has been established. [0121] A user may view a poster advertising tickets for a concert event in an underground transit system. The user can scan a pay code on the poster using the 25 payment application on their mobile device without network connectivity. The user can see information about the concert on their mobile device that was encoded in the pay code via optical, aurial or in a nearby near field communication (NFC) chip as described elsewhere. As the user establishes connectivity to their mobile network, the tickets become available to purchase on the mobile device display, or can be 30 referenced from the user's activity history. The product information is updated from the pay code server so that the latest information, pricing, availability, etc., is presented to the user before payment is confirmed. - 35 - WO 2012/068480 PCT/US2011/061433 [01221 For example, a driver may be at a remote gas station and scan a pay code at the gas pump to initiate payment for gas. The driver can enter an amount to pay as displayed on the pump, and the payment application on their mobile device can schedule to make the payment when network connectivity is re-established. The 5 merchant gas station can capture time and other details (e.g., license plate) that can be submitted to the pay codes server when network connectivity is re-established, in order to reconcile the payment. When the driver enters an area and establishes connectivity to their mobile network, the scheduled payment is processed and the driver is notified. 10 [01231 As another example, a consumer is flying in an airplane from one destination to another may be prohibited from connecting to a mobile network. The consumer may browse a product catalog available on the airplane that advertises goods or services, and, using the payment application on their mobile device, scan pay codes for any of the goods or services that the consumer wishes to purchase. 15 When the consumer's airplane lands and network connectivity is established with the mobile device, product information for each of the scanned goods or services can be presented to the consumer, who may then confirm transaction details and payment, or an option offered for this done automatically by the mobile device. 20 Payment Processing [0124] FIG. 12 is a flow diagram illustrating an exemplary payment processing flow diagram for larger merchants. FIG. 13 is a flow diagram illustrating an exemplary payment processing flow diagram for smaller merchants or for on-behalf processing. FIG. 14 is a block diagram illustrating an exemplary computer 25 architecture and exemplary data in accordance with various embodiments for remote control of website content by a user device using machine-readable pay codes. [0125] Referring to FIGS. 12-14, exemplary payment processes will be explained with reference to payer device 1 OA, the pay code server 50 and the merchant or merchant POS 40 with the optional inclusion of a gateway or acquirer 30. These 30 details, which are shown in FIGS. 12 and 13, correspond to the approval transaction process flow, for example, of the basic pay code flow of FIG. 2, at block 234. - 36 - WO 2012/068480 PCT/US2011/061433 Large Payment Processing [01261 As shown in FIG. 12, at block 1280, the funding details and the transaction details may be presented in an electronic communication, as a payment ready for processing by the pay code server 50. At block 1282, the pay code server may 5 extract the funding details from the electronic communication. At block 1284, the funding data may be routed to the merchant 40 for processing. At block 1286A, the merchant 40 may process the transaction through the normal gateway/acquirer 30 that may be external or internal to the merchant 40. At block 1288A, the approval or denial details may be generated and may be sent back (returned) to the pay code 10 server 50 and may be sent within the merchant 40 to complete the order, if approved, as shown in FIG. 2, at block 236 and to display the approval or denial on the payer device 1OA (FIG. 2, at block 238). At block 1290, the pay code server 50 may receive a process approval indication or denial indication, and may continue the pay code flow (e.g., allowing the merchant 40 to complete the order, if approved, and to 15 display the approval/denial, as shown in FIG. 2). Small Merchant or "On Behalf' Payment Processing [01271 FIG. 13 shows a variation of a process flow of FIG. 12 and this process flow may be more suitable for the current method of payment processing for small 20 merchants or "on behalf' processing (as conventionally referred to in the art). The modifications that occur to the legacy of payment processing may include, at block 1380, that the pay code server 50 may receive payment transaction data ready for processing, at block 1382, the funding details may be extracted and, at block 1384, the pay code server 50 may place an authorization request using the merchant's 25 credentials. [0128] In certain exemplary embodiments, the merchants may issue credentials (e.g. username and/or password) with which they authenticate with their gateway or acquirer 30. The pay code server 50 may support the credentials as appropriate. At block 1386B, the gateway or acquirer 30 may process the transaction and, at block 30 1388B, the gateway or acquirer 30 may generate the approval/denial details. At block 1390, the pay code server 50 may receive and process approval/denial indication and, at block 1394, may route the approval details to the merchant 40. At - 37 - WO 2012/068480 PCT/US2011/061433 block 1396, the merchant 40 may receive the approval/denial details and, at block 1392, the pay code server 50 may continue on with the pay code flow as indicated, for example in FIG. 2 at block 234, for sending information to allow the merchant 40 to complete, if approved, the order in FIG. 2 at block 236. At block 1380, the 5 approval/denial result at block 238, if appropriate may be displayed. Remote Control of Web Applications [0129] As explained above with respect to the on-line payment scenario of the e commerce pay code transactions shown in FIG. 4, the mobile device effectively and 10 indirectly may take control of a web application session that may or may not be linked to the transaction. For example, a user may go to a website through a URL (e.g., remotecontrolme.com) via a PC, Mac, TV or a screen from a store window, for instance. The website (e.g., remotecontrolme.com) may present a unique pay code. The unique pay code does not have to be part of any payment or purchase process, 15 and hence, for this section, the pay code is described as a unique code, and the payer device is described as a user device, but otherwise they may be the same. An app (e.g., application software) on the user device 1OA (e.g., remotecontrolme app) may scan or may read the unique code effectively allowing the user device 10 A to setup an alternate session to control navigation and features run on the PC, TV and/or 20 screen from the store window to control its content. As one example, the content on the PC, TV, or screen from the store window may not be controlled through the user interface of these devices, but rather through the remote actions of a user device 10A via the remotecontrolme app. In essence, a user device 10A can act as a wireless mouse controlling a display belonging to a merchant, or advertiser or another, in 25 shop windows, or electronic billboards, etc. This may be particularly advantageous in areas where the audience/users are "captive" such as public transportation, planes, taxis, waiting rooms, etc. [0130] The method of indirect control of a website from the website provider's perspective may involve displaying a unique machine-readable code unique to a 30 specific display device displaying contents from the website through a server. The unique machine-readable code may be readable by a user (e.g., communication) device 10A. The user device 1OA may be able to communicate with the server - 38 - WO 2012/068480 PCT/US2011/061433 through a communication path (e.g., over WiFi or a mobile telephone network connected to the server, with or without intermediary communication paths such as the Internet). The communication may not involve (e.g., may be exclusive of) an input device associated with the display. 5 [0131] For example, the server may receive commands to control content displayed from the user device. The process may include a unique code server, or the unique codes may be provided by the same server as the website server. The connnands may include the identity of the display device via the displayed unique machine-readable code read by the user device 1 OA or via direct wireless 10 communications with the display device. The website server may change the content displayed on the display device based on the unique machine-readable code. By creating a website that can generate a unique session identity code similar to a pay code, the server that provides the website may poll the unique code server 50 (or a different server) for instructions from the user device I OA. The unique code app 15 may scan the unique code and may provide payment information, but this mechanism is not limited to financial transactions. The merchant server that may be polling can recognize a payment has been fulfilled and can present receipt-type data. [01321 Although the remote control of a website by a user device is described with reference to financial transactions, it is not limited to financial transactions and it is 20 contemplated that many other types of transactions are possible. For example, by displaying a unique code on the website that is readable by a code-enabled device, rather than the conventional user interfaces such as keyboards or mice and/or touch screens associated with the display that displays the unique code, the user device 1 OA can effectively take over control of the website or monitor through the internet 25 such that the website may send display signals to the PC, TV or screen in a store window via the remote control of the user device. [0133] This process has many applications far beyond financial transactions. For instance, specific product information (including advertisements) can be generated at the direction of the user device 10A. Of course, the information is not limited to 30 products but any content that is appropriate under the circumstances can be remotely controlled via unique codes scanned by the user device 1 OA. Alternatively or additionally, additional security features can be established through the remote - 39 - WO 2012/068480 PCT/US2011/061433 control of the website via this arrangement involving the user device 10A reading the unique code displayed on the merchant display device. For example, product or service offering (e.g., information) may be displayed without the user providing information directly to the store. 5 [01341 Referring to FIG. 14, a display 1510, which may be a screen in a merchant's shop, a television in a consumer's home, a PC and/or nearly any other type of display device, may display a unique code 1512. The unique code 1512 may be generated through conventional interactions with a display device (e.g., the keyboard and mouse of a PC) or by generation of a unique code depending on the 10 content displayed on the display device, which might change over time. The consumer's device 1520 which might be a smart phone, camera-enabled telephone or nearly any other device capable of wireless communications, and may be enabled to read the unique code 1512 (e.g., optically or through any other means for which the consumer device 1520 may be capable of reading the unique code 1512). The 15 consumer device 1520 may transmit the unique code information that has been read through a network 1540. [0135] The network 1540 may be broadly understood to include one or more wireless links but is not limited thereto. For instance, the network 1540 may include a cellular network or a wireless link such as via Wi-Fi or Bluetooth* that might be a 20 dedicated network or connected to the internet, for instance. The network 1540 may be conventional. The wireless network may communicate with the third party server 1530 that may be attached to a database 1530A in any conventional manner. The third party server 1530 may be a merchant server that provides either the website content, the screen in the store or the content displayed on a TV. The TV may be a 25 cable-based TV, a fiber optic-based TV or a satellite-based television, for instance. The display content may be a shopping network or nearly any other mechanism for advertising including product placement within television shows or movies. [0136] Once the user device 1520 has read the unique code 1512 and transmitted it through the network (e.g., wireless network) 1540 to the server 1530, the user device 30 1520 can then be used to control the content of the display 1510. For instance, the user device 1520 may be used as a mouse to scroll around the display. The user device 1520 may also be used as an air mouse, where movement of the actual user - 40 - WO 2012/068480 PCT/US2011/061433 device 1520 results in relative movement of a mouse in the display 1510, e.g., through included accelerometers, gyroscopes, etc. The user device 1520 may also be used as an input device such as a keyboard as long as the display 1510 can be uniquely identified. For instance, the user device 1520 may send out command 5 signals through the network 1540 to the server 1530 that may in turn change the content of the display 1510 on the user's PC via the internet, or the display on a cable TV through the cable TV's service provider or to the display in a shop window which may be through a closed network or through the internet or any other communication mechanism. That is, the user device 1520 can control a display 10 1510 via a server or other network mechanism 1530 that otherwise is unassociated and unlinked through a communication protocol identified and established using the unique code 1512. [0137] In this system, the unique code may identify a particular transaction on a webpage or website display by a first party. The user device 1520 of a second party 15 equipped with a reader capable of reading the unique code may communicate data taken from the unique code and may convey it back to the first party together with additional information identifying the transaction and, optionally, other information about the second party (e.g., identity, time, location, account information, communication protocols, security measures, etc.). The user device 1520 can also 20 be used by the second party to control the contents of the display provided by the first user. [01381 As an example, a consumer (the second party) could be viewing a display screen in a shop window of a store of a merchant (the first party). When the consumer views something she likes, she may scan a pay code (e.g., a QR code) 25 displayed with the product information from the consumer's smart phone. The smart phone can be programmed to provide menu options and may have an input key board such that the consumer can select additional information about the product, such as price and product details. This information may be conveyed through a mobile network to the store's servers, which then, having information from the QR 30 code, can identify the particular screen in the shop window, and may send the requested information for display. The user can also use the smart phone to securely purchase the item, complete with the user's selection of a funding source and -41- WO 2012/068480 PCT/US2011/061433 shipping details. In this way, the user does not have to interact with the input devices in the store. For example, such purchase may occur from a store display inside the store while the user 10 is outside the store. [01391 This may be helpful when online shopping using someone else's computer, 5 such as in a coffee shop, where access to the computer may not be limited to a particular person, and the auto-fill of information is not present or represents a security risk. The use of the user's smart phone bypasses this risk while still providing the convenience of having all the information the user might want or need to provide. The transaction also may minimize input by the user and may enable 10 secure one-click shopping using a strange computer through this process. Graphical User Interface for Pay Codes [01401 FIGS. 15A-15C illustrate a graphical user interface (GUI) including a pay code used in a checkout operation for purchasing a consumer good using a payer 15 device 10A. [0141] FIGS. 16A-16F illustrate a graphical user interface (GUI) of the payer device 1OA used for the purchase in FIGS. 15A-15C. [01421 Referring to FIG. 15A-15C and 16A-16F, after a product (e.g., a consumer good or service) is selected for purchase, the GUI of a computer display 1640 may 20 display a first web page 1630 that may include first and second selectors 1610 and 1620. The first selector 1610 may enable payment via a first mode using conventional checkout methods including payment by a credit card, a debt card, PayPal, etc. The second selector 1620 may enable payment using a pay code and a communication device (e.g., the payer device 10A). The web page 1630 may 25 include the first selector 1610, the second selector 1620, a price indicator 1625, a currency type indicator 1635 and/or product details 1645. For example, responsive to selection of the second selector 1620, a second web page 1670 may be display presenting a pay code 1650 for purchase of the product. [01431 After the purchase of the product is completed, a third web page 1680 may 30 be displayed on the computer display 1640. The third web page may include a confirmation of the purchase including transaction details such as (1) the product details 1685 (e.g., a product description, the product cost, the currency type - 42 - WO 2012/068480 PCT/US2011/061433 associated with the transaction, etc.); (2) the card details 1686 (e.g., a credit card account, the expiration date associated with the card, security number, etc.) and/or (3) shipping details 1687 (the shipping address, any special handling details, etc.). [0144] The user 10 may use the payer device 10A with a pay code mobile 5 application (mobile app) loaded or some other purchasing application. The payer device I0A may include a GUI display and an imaging device, such as a camera. The mobile app may provide in the GUI display first through fourth selectable display windows 1710, 1720, 1730 and 1740. The first selectable display window 1710 may enable scanning of the pay code 1650 directly from the second web page 10 1670 or via a printout of the second web page 1670. The second selectable display window 1720 may enable the user 10 to position or reposition the payer device 1 GA (e.g., imaging device) to properly set the pay code 1650 in the image for proper scanning. The third selectable display window 1730 may enable viewing of the product details. The fourth selectable display window 1740 may enable 15 confirmation of transaction details and/or confirmation of payment approval. [01451 The first selectable display window may include a pay icon 1712, a receive icon 1714, and a cart icon 1716. The selection of the pay icon 1712 may enable viewing of the fourth selectable display window 1740. The selection of the receive icon 1714 may enable scanning of the pay code 1650. The selection of the cart icon 20 1716 may enable viewing of the third selectable display window 1730 showing product details of items in the cart (e.g., based on the pay code 1650 of products or services that have been scanned). The second selectable window 1720 may include a cancel icon 1722 enabling the cancelation of the scanning process and/or a scanning icon (not shown) that may enable scanning of the pay code 1650 or 25 rescanning of the pay code 1650, when the pay code image is outside of the view finder 1725. [0146] Responsive to imaging of the pay code 1650, the second selectable display window 1720 may be displayed that enables the user 10 to position or reposition the payer device I0A (e.g., imaging device) to properly set the pay code 1650 in the 30 image for proper scanning. [0147] The third selectable display window 1730 (or details screen) on the payer device 1OA may enable the user 10 to view the product details 1732, may provide a - 43 - WO 2012/068480 PCT/US2011/061433 user input area 1734 for a user to enter the quantity of the product to be purchased. In some embodiments, the quantity may default to one. After the user 10 inputs the quantity, the user 10 may choose to buy the product by selecting a "Buy Now" icon or via other selection means. 5 [01481 Responsive to selection of the "Buy Now" button, a fourth selectable display 1740 (or the confirmation screen) of the GUI may be displayed, which may provide (e.g., present): (1) a portion of the transaction details in a order summary area 1742; (2) a second portion of the transaction details in a details area 1746; (3) one or more payment options available to purchase the product in a payment option 10 area 1744; and/or (4) one or more possible shipping locations options in the payment option area 1744. The payment and shipping options may be preset by the user 10 prior to purchase of the product or may be established or overwritten for completion of the purchase of the product using the payment option area 1744. In one exemplary embodiment, the user 10 has selected to ship the product to his home 15 address and to use his MasterCard* account to pay for the purchase of the product. Responsive to selection of the payment by the user 10 via the "Pay Now" icon 1748, the payment may be made via the payer device 10A and pay code server 50 and confirmation of the payment may appear on the payer device 1 OA as one or more overlays 1750 on the fourth selectable display window 1740. 20 [0149] In some exemplary embodiments, it is contemplated that the pay code may alternatively be transferred via wireless communication such a WiFi or Bluetooth. In some exemplary embodiments, discounts may be available if goods or services are purchased using pay codes, or goods and services may be offered exclusively to customers using pay codes. 25 [0150] Although operation of the payer device GUI is described using a pay code scanned from a web page, it is contemplated that the pay code may be provided for scanning from any number of different mechanisms. For example, pay codes may be placed on advertisements, product containers, invoices, bills, movie or entertainment posters, etc. It is further contemplated that the payer device GUI may 30 work with any pay code as long as it identifies the transaction details (e.g., the transaction skeleton and/or transaction ID). In some exemplary embodiments, the GPS or WiFi location services offered by smart phones and the like can be used, as - 44 - WO 2012/068480 PCT/US2011/061433 well as additional information about the user, e.g., when ordering a taxi or other delivery type service to the current location of the user, through another party's web site, for instance. [01511 As described herein, for example, the systems described above may be 5 embodied in software (e.g., a plug-in or standalone software), in a machine (e.g., a computer system, a microprocessor-based appliance, etc.) that includes software in memory, or in a non-transitory computer-readable storage medium configured to carry out the transaction schemes (e.g., in a self contained silicon device, a solid state memory, an optical disc, a magnetic disc, etc.). 10 Distribution of Data to Mobile Device Prompted by Acoustic Stimuli [0152] FIG. 17 illustrates a block diagram of an advertising system 1800 for distributing context based advertising on a mobile device prompted by acoustic based stimuli, according to an exemplary embodiment of the present disclosure. 15 Herein, "acoustic" is intended to include its broadest meaning with respect to sound, both audible by humans and beyond human hearing, both at frequencies above and below normal human prescription. The advertising system 1800 includes an acoustic emitting device 1810, acoustic signal 1820, and acoustic receiving device 1830. 20 [01531 The acoustic emitting device 1810 is configured to emit a high frequency acoustic stream. A high frequency acoustic steam is a stream of sound that is outside the audible spectrum of a human, or greater than 21,000 Hz. The acoustic emitting device 1810 may be any device capable of transmitting a suitable high frequency acoustic stream, such as a radio, television, computer, or a mobile device, 25 for instance. The acoustic signal 1820 is emitted from the acoustic emitting device 1810. In an exemplary embodiment, the acoustic signal 1820 may be embedded into a visual or acoustic based advertisement, such as a poster or window display. In accordance with an exemplary embodiment, the acoustic signal may include encoded data, such as a unique reference to a product or a stream of binary data. In 30 one exemplary embodiment, the encoded data is a pay code representation of a transaction skeleton as described above. Any method of data encoding that is - 45 - WO 2012/068480 PCT/US2011/061433 suitable for the transfer of data as an acoustic signal can be used, such as amplitude shift keying or frequency-shift keying, for example. [0154] The acoustic receiving device 1830 is configured to recognize the acoustic signal 1820 through the included acoustic receiver 1840. The acoustic receiving 5 device 1830 can be any device capable of performing the functions as discussed herein, such as a mobile device or laptop computer, for example. In an exemplary embodiment, the acoustic receiving device is a cellular phone and/or smart phone, which in some embodiments, may also be capable of reading machine-readable representations of data, such as a bar code. The included acoustic receiver 1840 is 10 any device capable of recognizing the acoustic signal 1820, such as a microphone. The acoustic receiving device 1830 also includes an analog-to-digital converter 1850, a processing device 1860, and a database 1870. [01551 The analog-to-digital converter 1850 converts the recognized acoustic signal from an analog signal into a digital signal. The processing device 1860 then 15 analyzes the converted acoustic signal and decodes the encoded data in the acoustic signal. The processing device 1860 can include any device capable of performing the functions discussed herein, such as a central processing unit (CPU) or a plurality of CPUs. In one exemplary embodiment, the decoded data itself is displayed on the acoustic receiving device 1830. The decoded data can include product information, 20 news items, coupons, special offers, or any other information that could benefit a consumer. In one exemplary embodiment, the decoded data is a machine-readable code representation of data, such as a bar code (e.g., a QR code) containing a transaction skeleton for a financial transaction. The acoustic receiving device 1830 may also be used in order to carry out the corresponding financial transaction as 25 described above. [01561 In one exemplary embodiment, the decoded data is a unique reference to a product stored in the database 1870. The database 1870 can be included in the acoustic receiving device 1830, but may also be external to the device and accessed via a communication network such as a local area network (LAN) or the Internet. 30 The database 1870 may contain product information, such as a product summary, product specifications, retail price, sizing information, etc.. In an exemplary embodiment, the database 1870 contains merchant and purchasing information - 46 - WO 2012/068480 PCT/US2011/061433 corresponding to the product. The information included in the database 1870 corresponding to the product may be displayed to the consumer on the acoustic receiving device 1830. 5 Exemplary Method of Acoustic-based Distribution [0157] FIG. 18 is a flowchart that illustrates a method 1900 for distributing context based advertisements on a mobile device via the system of FIG. 17, according to an exemplary embodiment of the present disclosure. [0158] In step 1902, the acoustic receiving device 1830 recognizes an analog 10 acoustic signal. The analog acoustic signal contains a high frequency acoustic stream of at least 21,000 Hz, outside the audible spectrum of a human. In step 1904, the analog-to-digital converter 1850 converts the analog acoustic signal to a digital acoustic signal. In step 1906, the processing device 1860 analyzes the digital acoustic signal to obtain encoded data, and decodes the data in step 1908. Encoding 15 schemes such as amplitude-shift keying or frequency shift keying can be used. In accordance with an exemplary embodiment, the data decoded in step 1908 can be a unique reference to a product. In one exemplary embodiment, the data decoded is a machine-readable code representation (e.g., a QR code) of a transaction skeleton. 101591 In step 1910, the decoded data is used to locate product information in a 20 database 1870 and retrieve the information. The information may include, for example, a product description, a product summary, merchant information, retail price for the product, etc. In an exemplary embodiment, the information allows the consumer to immediately purchase the product from a predetermined merchant or to choose from a list of merchants who sell the product. In another exemplary 25 embodiment, a financial transaction is initiated based on a transaction skeleton represented in the decoded data. Product information retrieved may also include coupons, special offers, news items, or other information that may be beneficial to a consumer. In step 1912, the information is displayed (e.g., presented) to the consumer on the acoustic receiving device 1830. 30 [0160] In one exemplary embodiment, in step 1912 a financial transaction can be initiated based on the information retrieved from the database 1870. For example, the consumer's mobile device may initiate a transaction from a specific merchant for - 47 - WO 2012/068480 PCT/US2011/061433 a specific product as specified in the database 1870, e.g., by connecting to a transaction website on which the product can be purchased. In one exemplary embodiment, if the database 1870 contains only product information, the consumer's mobile device may display a list of multiple merchants with which to initiate a 5 financial transaction for the product, or may initiate a transaction with a predetermined merchant. In some exemplary embodiments, the decoded data may be a pay code, and the acoustic receiving device 1830 may be payer device 10A. [01611 The exemplary system and method for distributing data prompted by acoustic based stimuli has a wide variety of applications, not limited to advertising 10 or consumer products. For instance, the system and method has additional educational applications, such as for use in museums. An acoustic emitting device can be placed near exhibits or points of interest in a museum, and the guest's mobile device used as an acoustic receiving device. The acoustic emitting device may emit a high frequency acoustic stream to an area near the exhibit, and when the mobile 15 device recognizes the stream can display to the guest information related to the exhibit they are viewing. [0162] The use of high frequency acoustic streams can also be used to assist with the visually impaired. Placement of acoustic emitting devices and the use of sound or vibration functions when a cellular phone or other mobile device recognizes an 20 acoustic stream may notify a visually impaired person of an obstacle or assist with navigation of an unfamiliar area. Voice and Human Based Gesture Actions [0163] FIG. 19 shows a system 2000 for purchasing products or services through 25 the use of voice and human based gesture actions that includes a human interaction device 2010, display device 2020, and processor device 2030. [01641 Human interaction device 2010 of the system 2000 is a device that is configured to read voice and/or human based gesture actions, e.g., a microphone, camera, or a hybrid device (such as Microsoft* KinectTM or PlayStation* EyeTM). 30 The human interaction device 2010 may transmit voice and/or human based gesture action data to the processor device 2030. Transmission can be through a physical -48- WO 2012/068480 PCT/US2011/061433 connection, such as a coaxial cable, or through a communication network, such as a local area network (LAN) or the Internet, for instance. [0165] The display device 2020 is a device configured to display visual data to a consumer, such as a television or computer monitor. In some embodiments, the 5 human interaction device 2010 is integrated with the display device 2020, such as in a computer monitor with built-in webcam. The processor device 2030 is configured to receive voice and/or human based gesture action data from the human interaction device 2010 and to transmit display data to the display device 2020. The processor device can be, for example, a set-top box, a gaming device, or a DVD or Blu-Ray 10 player, for example. In some embodiments, the display device 2020 and the processor device 2030 are integrated as a single apparatus, such as in a smart television or a computer. In some embodiments, the system 2000 is contained in a single apparatus, such as a laptop computer with a built-in webcam, [0166] Data that is transmitted from the processor device 2030 to the display 15 device 2020 may contain event data. Event data may be included in video data, acoustic data, or in a combination of both acoustic and video data. Event data may be visible or audible to a consumer (e.g., in a visual advertisement) or may be invisible to a consumer, such as by including event data in a vertical blanking interval of a video transmission. Transmission of event data may include any type 20 or manner of transmission suitable for the systems and methods and discussed herein. Information included in the event data may include product information, transaction identification, machine-readable code, merchant information, etc. [01671 FIG. 20 is a block diagram illustrating the processor device 2030 according to an embodiment of the disclosed system. The processor device 2030 includes a 25 communication interface device 2110, processor 2120, read-only memory 3130, random access memory 2140, and hard disk drive 2150. [01681 The communication interface device 2110 provides one or more communication paths from the processor device 2030 to and from other systems. The communication interface device 2110 is configured to at least receive voice 30 and/or human based gesture data from the human interaction device 2010 and send visual data to the display device 2020. - 49 - WO 2012/068480 PCT/US2011/061433 [01691 The processor 2120 is a device suitable for performing the functions discussed herein, such as a central processing unit (CPU) or a plurality of CPUs. The processor may operate via implementations of hardware, of software, or of a combination of both hardware and software. For example, the processor may utilize 5 software stored in read-only memory 2130 or hard disk drive (computer-readable medium) 2150. The processor is configured to analyze data, such as video and human based gesture data that can be stored, for example, in random access memory 2140 or computer-readable medium 2150. Computer-readable medium 2150 may be any type of non-transitory computer-readable medium suitable for performing the 10 functions discussed herein, e.g., hard disk drive, solid state drive, compact disc, digital versatile disc, etc. Exemplary Method of Voice or Gesture-based Transacting [01701 FIG. 21 is a flowchart illustrating a method 2200 for purchasing products 15 or services through the use of voice and/or human based gesture actions. [01711 In step 2202, the processor device 2030 monitors for event data that corresponds to a possible consumer purchase (e.g., product information, product description, merchant information, etc.). In one embodiment, event data may be transmitted to the processor device 2030 at the same time as an advertisement to be 20 displayed. In another embodiment, event data may be stored in a database that can be external to, or included as part of, the processor device 2030. [0172] In step 2204, the processor device 2030 determines if event data has been received. If there has been no receipt of event data, it returns to step 2202 where it continues to monitor for event data. If the event data has been received, the 25 processor device 2030 determines if the corresponding event is occurring. The corresponding event may be, for example, a commercial, a movie, or a sporting event. If the event is not occurring, it returns to step 2202 and continues to monitor for data. If the event is occurring, it means that there is currently at least one product eligible for a transaction. In one embodiment, this is signified by an icon on 30 the display device 2020 to notify the consumer that product(s) are available for purchase through voice or gesture based actions. - 50 - WO 2012/068480 PCT/US2011/061433 [01731 If the event is occurring (2206), the processor device 2030 monitors for voice and gesture data in step 2208. Voice and gesture data can include, for example, the consumer speaking a specific, preset phrase, or by waving the consumer's left hand in the air. If voice or gesture data is not detected in step 2208, 5 then the processor device returns to step 2206 to determine if the event is still occurring. If voice or gesture data is received, then it proceeds to step 2212 and initiates the transaction. [0174] In an exemplary embodiment, once the transaction has been initiated, a pay code may be transmitted (e.g., sent) to the consumer's mobile device (e.g., payer 10 device 1OA) or displayed on the display device 2020. The consumer can then read (e.g., scan) the pay code and carry out the financial transaction as described above. The system may also be configured to utilize a consumer's electronic wallet. An electronic wallet if a safe and convenient method for consumers to engage in electronic purchases, such as by securely saving payment information for one or 15 more methods of payment (e.g. a credit card, an electronic check, an ACH transfer from a bank account, or additional payment methods such as PayPal, etc.). It can also store other useful information such as billing or shipping addresses. A consumer's electronic wallet can be associated with them in the system and readily used when they initiate a transaction. 20 [0175] In some instances, multiple consumers may utilize a single system for making purchases using voice or human based gesture actions. In these instances, biometric data can be utilized to distinguish one consumer from another. For example, the consumer's vocal patterns can be used as an identifier when the human interaction device 2010 is a microphone. If the human interaction device 2010 is a 25 camera, facial or retinal recognition can be used as an identifier. In some instances, multiple identifiers may be used for security reasons, such as requiring both vocal and retinal identification. Additionally, the system can be configured to require a consumer personal identification number (PIN) to complete a transaction. [0176] When a consumer initiates a transaction, the system may display (e.g., on 30 the display device 2020 or on the consumer's mobile device) purchasing information for the consumer that corresponds to the specific product and merchant in the advertisement. In one exemplary embodiment, the system may display a machine - 51 - WO 2012/068480 PCT/US2011/061433 readable pay code on the display device 2020. In instances where multiple products are advertised, or when a product is advertised not tied to a specific merchant, a list of products or merchants may be displayed to the consumer. Additional voice or human based gesture actions may be used in order to select among the products or 5 merchants. For example, a cursor can be displayed on the display device 2020 that may be moved through arm gestures or by vocal commands, or the choices may be displayed in a list with the consumer speaking or gesturing their choice in the list (e.g., holding up nine fingers for the item listed ninth). Such a selection method may also be used for the consumer to select between multiple methods of payment or 10 between multiple shipping addresses. Location- and History-based Distribution of Offers to a Mobile Device [01771 FIG. 23 illustrates a block diagram of a system for distributing offers to a mobile device. The system may include an offer server 2410, a mobile device 2420, 15 a merchant 2430, and a cellular network tower 2440. [01781 The offer server 2410 may be configured to identify the geographic location of the mobile device 2420. The identification of the geographic location of the mobile device 2420 may be obtained by using, for example, the Global Positioning System (GPS), cellular network tower triangulation (commonly known 20 as Assisted GPS), or Wi-Fi or wireless networks, or any combination thereof. [0179] By way of example, the geographic location of the mobile device 2420 may be obtained by using GPS, such as through GPS application 2422 included on the mobile device 2420. The mobile device 2420 may be in communication with at least one cellular network tower 2440 in order to determine its location. In an 25 exemplary embodiment, the mobile device 2420 is in communication with at least three cellular network towers 2440 for the purposes of triangulation of the mobile device 2420. In one embodiment, the merchant 2430 may include a wireless network 2432. In such an embodiment, the geographic location of the mobile device 2420 may be identified when the mobile device 2420 connects or is otherwise in 30 communication with the wireless network 2432. Other suitable methods of identification of the geographic location of the mobile device 2420 will be apparent to persons having skill in the relevant art. - 52 - WO 2012/068480 PCT/US2011/061433 [01801 The offer server 2410 may also be configured to identify the geographic location of the merchant 2430, or may store location information of the merchant 2430 in a database (not shown) either included in the offer server 2410, external to the offer server 2410, or in combination thereof. 5 [0181] The offer server 2410 may also include a user accounts database 2412 and an offer database 2414. These databases may be included as part of the offer server 2410, may be stored externally to the offer server 2410, or in combination thereof. The user accounts database 2412 may include information associated to a user of the mobile device 2420. The information stored in the database 2412 may include a 10 history of financial transactions between the user of the mobile device 2420 and the merchant 2430 if elected by the user.. The financial transaction history may be minimal (e.g., only the existence of past transactions) or may include the number of transactions, the amount of each transaction, the time and date of each transaction, or the goods or services purchased in each transaction, for example. 15 [01821 The offer database 2414 may include at least one offer, which the offer server 2410 may be configured to distribute to the mobile device 2420. The offer may only be distributed to the mobile device 2420 if the offer server 2410 identified at least one previous financial transaction between the user of the mobile device 2420 and the merchant 2430 stored in the user accounts database 2412. The offer 20 may be for goods or services, and may be associated with the merchant 2430. The offer may also be an advertisement or a machine-readable code (e.g., a bar code) that when read by the mobile device 2420 initiates a financial transaction with the merchant 2430 for goods or services. [01831 The merchant 2430 may be proximate to the geographic location of the 25 mobile device 2420 identified by the offer server 2410. The proximity of the merchant 2430 may vary from merchant to merchant, offer to offer, or user to user. The proximity may also be based on the number of additional merchants nearby. For example, if the merchant 2430 is the only merchant in a shopping center, offers associated with the merchant may be distributed if the mobile device 2420 is 30 identified as being within one mile of the merchant, but if the merchant is located within a shopping mall that includes a plurality of other merchants, the mobile device 2420 may be required to be within five hundred feet of the merchant 2430 - 53 - WO 2012/068480 PCT/US2011/061433 before an offer that is associated with the merchant 2430 may be distributed to the mobile device 2420. Exemplary Method for Distribution of Location- and History-Based Offers 5 [01841 FIG. 24 is a flow diagram illustrating an exemplary method for distributing offers to a mobile device in accordance with exemplary embodiments. [01851 In step 2502, the offer server (e.g., offer server 2410) may identify a geographic location of a mobile device (e.g., mobile device 2420) associated with a user. In one embodiment, the offer server uses GPS, Assisted GPS, wireless 10 network discovery, or a combination thereof. In step 2504, the offer server may identify at least one merchant (e.g., merchant 2430) proximate to the geographic location. [0186] In step 2506, the offer server may identify, in a user account associated with the user (e.g., stored in user accounts database 2412), at least one previous 15 transaction between the user and the at least one merchant. In one embodiment, the server must identify at least three previous transactions between the user and the at least one merchant. In step 2508, an offer is distributed to the mobile device. In one exemplary embodiment, the offer is an offer for goods or services and the offer is associated with the at least one merchant. In one embodiment, the mobile device is 20 a mobile communication device configured to read machine-readable code, and the offer is a machine-readable code that initiates a financial transaction with the at least one merchant when read by the mobile device. 101871 Where methods described above indicate certain events occurring in certain orders, the ordering of certain events may be modified. Moreover, while a process 25 depicted as a flowchart, block diagram, etc. may describe the operations of the system in a sequential manner, it should be understood that many of the system's operations can occur concurrently. For example, although the multiple payer pay code flow (FIGS. 7A-7C) is disclosed and illustrated as being configured to have payer device 1 OA receive the transaction details and pay prior to payer device 10B, 30 payer device lOB can receive and pay prior to payer device 1OA as well. [01881 Techniques consistent with the present disclosure provide, among other features, systems and methods for distributing content to devices, initiating financial - 54 - WO 2012/068480 PCT/US2011/061433 transactions, processing electronic financial transactions using a payer device and pay codes, and indirectly controlling websites. While various exemplary embodiments of the disclosed system and method have been described above it should be understood that they have been presented for purposes of example only, 5 not limitations. It is not exhaustive and does not limit the disclosure to the precise form disclosed, Modifications and variations are possible in light of the above teachings or may be acquired from practicing of the disclosure, without departing from the breadth or scope. - 55 -

Claims

1. An electronic financial transaction method, comprising: reading, in a payer device, a machine-readable pay code in which transaction 5 details for a specific transaction are encoded; requesting the transaction details for the specific transaction from a pay code provider and receiving the transaction details for display on the payer device; receiving indications of payer selected transaction options from a user of the payer device and transmitting the indications to the pay code provider for 10 conveyance to a payee; and receiving an indication that completion of the transaction has been initiated by initiating payment from the payer to the payee, wherein the payer device is a communications device enabled to read machine-readable code and specifically programmed to electronically carry out the above reading, requesting, and receiving 15 actions.

2. The method of claim 1, wherein the payer device is a mobile telephone, the mobile telephone having a camera and a specifically programmed processor, wherein the camera and the specifically programmed processor read 20 optical machine-readable code.

3. The method of claim 1, wherein the machine-readable pay code is a bar code. 25

4. The method of claim 3, wherein the bar code is a QR bar code.

5. The method of claim 2, wherein the optical machine-readable code is a bar code.

6. The method of claim 1, wherein the payer selected transaction 30 options include at least one option selected from the group consisting of quantity, quality, color, and size. -56- WO 2012/068480 PCT/US2011/061433

7. The method of claim 1, wherein the payer selected transaction options include selection of a funding source.

8. The method of claim 1, wherein the payer selected transaction 5 options include user selected shipping details.

9. The method of claim 1, wherein the machine-readable pay code is displayed on one or more of: a printed invoice or bill, a computer monitor, an advertisement display screen, a billboard, or a poster. 10

10. A method for distributing context based data, comprising: receiving, in an acoustic receiving device, a high frequency analog acoustic signal, wherein the high frequency analog acoustic signal is of a frequency of at least 21,000 Hz, and the high frequency analog acoustic signal contains encoded data; 15 converting the high frequency analog acoustic signal to a digital acoustic signal; analyzing the digital acoustic signal to obtain the encoded data from the digital acoustic signal; decoding the encoded data to obtain information; and 20 displaying the information on the acoustic receiving device.

11. The method of claim 10, wherein the acoustic receiving device is a mobile communication device. 25

12. The method of claim 10, wherein the encoded data includes transaction details for a financial transaction.

13. The method of claim 10, wherein the information includes at least one or more of: a proposed consumer transaction, a product description, a list of 30 merchants, a coupon, a special offer, a news item, or a context-based advertisement. - 57 - WO 2012/068480 PCT/US2011/061433

14. A method for initiating a consumer transaction, comprising: transmitting video data from a processing device to a display device; monitoring, in the processing device, the transmitted video data for event data corresponding to a plurality of consumer products or services; 5 receiving the event data in the processing device; notifying a consumer, on the display device, of an eligible consumer transaction; reading, with a human interaction device, voice or human based gesture actions; 10 analyzing the voice or human based gesture actions; and initiating a consumer transaction on the display device for the plurality of consumer products or services if the voice or human gesture based actions conform to a predetermined first set of interaction requirements.

15 15. The method of claim 14, further comprising: reading and analyzing additional voice or human based gesture actions; receiving indications of payer selected transaction options from a user if the additional voice or human gesture based actions conform to a predetermined second set of interaction requirements; 20 transmitting the indications to a payee; and receiving an indication that completion of the consumer transaction has been initiated by initiating payment from the a payer to the payee.

16. The method of claim 14, wherein the human interaction device 25 includes a camera and/or a microphone.

17. The method of claim 14, wherein the video display and the human interaction device are a single device. 30

18. The method of claim 14, wherein the processing device, the video display device, and the human interaction device are a single device. - 58 - WO 2012/068480 PCT/US2011/061433

19. The method of claim 14, wherein the event data is included in a vertical blanking interval of the transmitted video data.

20. The method of claim 15, wherein the payer selected transaction 5 options include at least one option selected from the group consisting of quantity, quality, color, and size.

21. The method of claim 15, wherein the payer selected transaction options include selection of a funding source. 10

22. The method of claim 15, wherein the payer selected transaction options include user selected shipping details.

23. An electronic financial transaction method, comprising: 15 reading, in a payer device, a machine-readable pay code in which transaction details for a specific transaction are encoded; displaying the transaction details on the payer device; connecting the payer device to a communications network; requesting additional transaction details for the specific transaction from a 20 pay code provider through the communications network; receiving the additional transaction details for display on the payer device; receiving indications of payer selected transaction options from a user of the payer device and transmitting the indications to the pay code provider for conveyance to a payee; and 25 receiving an indication that completion of the transaction has been initiated by initiating payment from the payer to the payee, wherein the payer device is a communications device enabled to read machine-readable code and specifically programmed to electronically carry out the above reading, displaying, connecting, requesting, receiving, and transmitting actions. 30

24. The method of claim 23, wherein the payer device is a mobile telephone, the mobile telephone having a camera and a specifically programmed - 59 - WO 2012/068480 PCT/US2011/061433 processor, wherein the camera and the specifically programmed processor read optical machine-readable code.

25. The method of claim 23, wherein the machine-readable pay code is a 5 bar code.

26. The method of claim 25, wherein the bar code is a QR bar code, wherein the machine-readable pay code is received by a near field communication device. 10

27. The method of claim 23, wherein the payer selected transactions options include at least one option selected from the group consisting of quantity, quality, color, and size. 15

28. The method of claim 23, wherein the payer selected transaction options include a funding source.

29. The method of claim 23, wherein the payer selected transaction options include user shipping details. 20

30. The method of claim 23, wherein the machine-readable pay code is displayed on one or more of: a printed invoice or bill, a computer monitor, an advertisement display screen, a billboard, or a poster. 25

31. An electronic financial transaction method, comprising: receiving, in a mobile device, a high frequency analog acoustic signal, wherein the high frequency analog acoustic signal is of a frequency of at least 21,000 Hz, and the high frequency acoustic signal contains a machine-readable pay code in which transaction details for a specific transaction are encoded; 30 converting the high frequency analog acoustic signal to a digital acoustic signal; - 60 - WO 2012/068480 PCT/US2011/061433 analyzing the digital acoustic signal to obtain the machine-readable pay code; requesting the transaction details for the specific transaction from a pay code provider and receiving the transaction details for display on the mobile device; 5 receiving indications of payer selected transaction options from a user of the mobile device and transmitting the indications to the pay code provider for conveyance to a payee; and receiving an indication that completion of the transaction has been initiated by initiating payment from the payer to the payee, wherein the mobile device is a 10 communications device enabled to read machine-readable code and specifically programmed to electronically carry out the above receiving, converting, analyzing, and requesting actions.

32. The method of claim 31, wherein the machine-readable pay code is a 15 bar code.

33. The method of claim 32, wherein the bar code is a QR bar code.

34. An electronic financial transaction method, comprising: 20 transmitting video data from a processing device to a display device; monitoring, in the processing device, the transmitted video data for event data corresponding to a plurality of consumer products or services; receiving the event data in the processing device; notifying a consumer, on the display device, of an eligible consumer 25 transaction; reading, with a human interaction device, voice or human gesture based actions; analyzing the voice or human gesture based actions; transmitting a machine-readable pay code in which transaction details for a 30 specific transaction for the plurality of consumer products or services are encoded, to a payer device if the voice or human gesture based actions conform to a predetermined set of interaction requirements; - 61 - WO 2012/068480 PCT/US2011/061433 requesting the transaction details for the specific transaction from a pay code provider and receiving the transaction details on the payer device; receiving indications of payer selected transaction options from a user of the payer device and transmitting the indications to the pay code provider for 5 conveyance to a payee; and receiving an indication that completion of the transaction has been initiated by initiating payment from the payer to the payee, wherein the payer device is a communications device enabled to read machine-readable code and specifically programmed to electronically carry out the above transmitting, requesting, and 10 receiving actions.

35. The method of claim 34, wherein the machine-readable pay code is a bar code or a video watermark. 15

36. The method of claim 35, wherein the bar code is a QR bar code.

37. A method of indirectly controlling a web site, comprising: displaying a unique machine-readable code unique to a specific display device displaying contents from a website through a server, the unique machine 20 readable code being readable by a user communication device, the user communication device being able to communicate with the server through a communications path not involving an input device associated with the specific display device; receiving commands to control content displayed through the server from the 25 user communication device, the commands including the identity of the specific display device by the displayed unique machine readable code read by the user communication device; and changing the content displayed on the specific display device. 30

38. A payer device for use in an electronic financial transaction system, that includes a pay code provider and a payee device, said payer device being configured to read a machine-readable pay code in which transaction details for a - 62 - WO 2012/068480 PCT/US2011/061433 specific transaction are encoded, request the transaction details for the specific transaction from the pay code provider, display the transaction details, receive indications of payer selected transaction options from a user, transmit the indications to the pay code provider for conveyance to the payee device, and receive an 5 indication that completion of the transaction has been initiated by initiating payment from the payer device to the payee device.

39. The system of claim 38, wherein the payer device is a mobile telephone having a camera and a specifically programmed processor, wherein the 10 camera and the specifically programmed processor read optical machine-readable code.

40. The system of claim 38, wherein the machine-readable pay code is a bar code. 15

41. The system of claim 40, wherein the bar code is a QR bar code.

42. The system of claim 39, wherein the optical machine-readable code is a bar code. 20

43. The system of claim 39, wherein the payer selected transaction options include at least one option selected from the group consisting of quantity, quality, color, and size. 25

44. The system of claim 39, wherein the payer selected transaction options include selection of a funding source.

45. The system of claim 39, wherein the payer selected transaction options include user selected shipping details. 30 - 63 - WO 2012/068480 PCT/US2011/061433

46. The system of claim 39, wherein the machine-readable pay code is displayed on one or more of: a printed invoice or bill, a computer monitor, an advertisement display screen, a billboard, or a poster. 5

47. A system for distributing context based data, comprising: an acoustic emitting device configured to emit a high frequency acoustic signal, wherein the high frequency acoustic signal is of a frequency of at least 21,000 Hz, and the high frequency acoustic signal contains encoded data; and an acoustic receiving device configured to receive the high frequency 10 acoustic signal, convert the high frequency acoustic signal to a digital acoustic signal, analyze the digital acoustic signal to obtain the encoded data, decode the encoded data, and display the decoded data.

48. The system of claim 47, wherein the acoustic receiving device is a 15 mobile communication device.

49. The system of claim 47, wherein the encoded data includes transaction details for a financial transaction. 20

50. The system of claim 47, wherein the decoded data includes at least one or more of: a proposed consumer transaction, a product description, a list of merchants, a coupon, a special offer, a news item, or a context-based advertisement.

51. A system for initiating a consumer transaction, comprising: 25 a human interaction device configured to read and transmit voice or human based gesture actions; and a processing device configured to at least receive video data; transmit the video data to a display device, analyze the transmitted video data for event data corresponding to a consumer transaction, receive and analyze the voice or human 30 based gesture actions, compare the voice or human based gesture actions with a predetermined set of requirements, and initiate the consumer transaction if the voice - 64 - WO 2012/068480 PCT/US2011/061433 or human based gesture actions meet the predetermined first set of interaction requirements, wherein the display device is configured to receive the video data from the processing device and display the received video data. 5

52. The system of claim 51, wherein the human interaction device is further configured to read and transmit additional voice or human based gesture actions, the processing device is further configured to receive and analyze the 10 additional voice or human based gesture actions, receive indications of payer selected transaction options from a user if the additional voice or human based gesture actions conform to a predetermined second set of interaction requirements, transmit the indications to a payee, and receive an indication that completion of the consumer transaction has been initiated. 15

53. The system of claim 51, wherein the human interaction device includes a camera and/or microphone.

54. The system of claim 51, wherein the display device and the human 20 interaction device are a single device.

55. The system of claim 51, wherein the processing device, display device, and human interaction device are a single device. 25

56. The system of claim 51, wherein the event data is included in a vertical blanking interval of the video data.

57. The system of claim 52, wherein the payer selected transaction options include at least one option selected from the group consisting of quantity, 30 quality, color, and size. - 65 - WO 2012/068480 PCT/US2011/061433

58. The system of claim 52, wherein the payer selected transaction options include selection of a funding source.

59. The system of claim 60, wherein the payer selected transaction 5 options include user selected shipping details.

60. A payer device for use in an electronic financial transaction system that includes a pay code provider and a payee, said payer device configured to read a machine-readable pay code in which transaction details for a specific transaction are 10 encoded, display the transaction details, connect to a communications network, request additional transaction details for the specific transaction from the pay code provider through the communications network, display the additional transaction details, receive indications of payer selected transaction options from a user, transmit the indications to the pay code provider for conveyance to the payee, and 15 receive an indication that completion of the transaction has been initiated by initiating payment from the payer to the payee.

61. The system of claim 60, wherein the payer device is a mobile telephone having a camera and a specifically programmed processor, wherein the 20 camera and the specifically programmed processor read optical machine-readable code.

62. The system of claim 60, wherein the machine-readable code is a bar code. 25

63. The system of claim 42, wherein the bar code is a QR bar code.

64. The system of claim 61, wherein the optical machine-readable code is a bar code. 30 - 66 - WO 2012/068480 PCT/US2011/061433

65. The system of claim 60, wherein the payer selected transaction options include at least one option selected from the group consisting of quantity, quality, color, and size. 5

66. The system of claim 60, wherein the payer selected transaction options include a funding source.

67. The system of claim 60, wherein the payer selected transaction options include user shipping details. 10

68. The system of claim 60, wherein the machine-readable pay code is displayed on one or more of: a printed invoice or bill, a computer monitor, an advertisement display screen, a billboard, or a poster. 15

69. A payer device for use in an electronic financial transaction system that includes a pay code provider and a payee, said payer device configured to read a machine-readable pay code in which transaction identification for a specific transaction is encoded, receive transaction information for the specific transaction through near field communication, display the transaction information, connect to a 20 communications network, request transaction details for the specific transaction from the pay code provider through the communications network, display the transaction details, receive indications of payer selected transaction options from a user, transmit the indications to the pay code provider for conveyance to the payee, and receive an indication that completion of the transaction has been initiated by 25 initiating payment from the payer to the payee.

70. The system of claim 69, wherein the payer device is a mobile telephone having near field communication chip, wherein the camera and the specifically programmed processor read optical machine-readable code and the near 30 field communication chip is configured to receive data through near field conununication. - 67 - WO 2012/068480 PCT/US2011/061433

71. The system of claim 70, wherein the payer selected transaction options include at least one option selected from the group consisting of quantity, quality, color, and size. 5

72. The system of claim 70, wherein the payer selected transaction options include a funding source.

73. The system of claim 70, wherein the payer selected transaction 10 options include user shipping details.

74. The system of claim 70, wherein the machine-readable pay code is displayed on one or more of: a printed invoice or bill, a computer monitor, an advertisement display screen, a billboard, or a poster. 15

75. A payer device for use in an electronic financial transaction system, that includes a pay code provider, a payee, and an acoustic emitting device configured to emit a high frequency acoustic signal, wherein the high frequency acoustic signal is of a frequency of at least 21,000 Hz, and the high frequency 20 acoustic signal contains a machine-readable pay code in which transaction details for a specific transaction are encoded, wherein the payer device configured to receive the high frequency acoustic signal, convert the high frequency acoustic signal to a digital acoustic signal, analyze the digital acoustic signal to obtain the machine-readable pay code, request the 25 transaction details for the specific transaction from the pay code provider, display the transaction details, receive indications of payer selected transaction options from a user, transmit the indications to the pay code provider for conveyance to the payee, and receive an indication that completion of the transaction has been initiated by initiating a payment from the payer to the payee. 30 - 68 - WO 2012/068480 PCT/US2011/061433

76. In an electronic financial transaction system, including a payee device, a pay code provider, a display device, and a payer device, a transaction facilitating device comprising: a human interaction device configured to read and transmit voice or human 5 based gesture actions; and a processing device configured to at least receive video data, transmit the video data to the display device, monitor the transmitted video data for event data corresponding to a specific transaction, receive and analyze the voice or human based gesture actions, compare the voice or human based gesture actions with a 10 predetermined set of requirements, and transmit a machine-readable pay code in which transaction details for the specific transaction are encoded to the payer device if the voice or human based gesture actions meet the predetermined set of requirements, wherein the display device is configured to receive the video data from the processing 15 device and display the received video data, and the payer device is configured to receive and read the machine-readable pay code, request the transaction details for the specific transaction from the pay code provider, display the transaction details, receive indications of payer selected transaction options from a user, transmit the indications to the pay code provider for 20 conveyance to the payee, and receive an indication that completion of the transaction has been initiated by initiating payment from the payer to the payee.

77. A system for indirectly controlling a web site, comprising: a server; and 25 a display device configured to display contents from a website through the server and display a unique machine-readable code unique to the display device, wherein a user communication device configured to read the unique machine readable code communicates with the server through a conununications path not involving an input device associated with the display device, and receive commands 30 to control content displayed through the server, wherein the commands include the identity of the display device by the read unique machine-readable code, and wherein -69 - WO 2012/068480 PCT/US2011/061433 the display device is further configured to change the displayed contents after the user communication device has received commands to control content displayed through the server. 5

78. A payer device, comprising: a pay code receiver for receiving a machine-readable pay code in which transaction details for a specific transaction are encoded; a receiver for receiving the transaction details for the specific transaction and a transaction option; and 10 a transmitter for transmitting to a transaction service provider the transaction option to initiate the specific transaction.

79. The payer device of claim 78, further comprising: a display for presenting one or more transaction options associated with the 15 transaction details for selection by a payer.

80. The payer device of claim 78, wherein the pay code receiver images the machine-readable pay code, and the payer device further comprises: a processor for determining, from images of the machine-readable pay code, 20 the an associated transaction identifier such that the transmitter transmits the associated transaction identifier to the transaction service provider.

81. The payer device of claim 78, further comprising: a near field communication chip configured to receive basic transaction 25 information for the specific transaction through near field communication.

82. The payer device of claim 78, wherein the machine-readable pay code is a bar code. 30

83. The payer device of claim 82, wherein the bar code is a QR code. -70- WO 2012/068480 PCT/US2011/061433

84. The payer device of claim 79, wherein the one or more transaction options include at least one of the group consisting of quantity, quality, size, and color. 5

85. The payer device of claim 79, wherein the one or more transaction options includes selection of a funding source.

86. The payer device of claim 79, wherein the one or more transaction options includes user selected shipping details. 10

87. An acoustic receiving device, comprising: an acoustic receiver configured to receive a high frequency acoustic signal, wherein the high frequency acoustic signal is of a frequency of at least 21,000 Hz, and the high frequency acoustic signal contains encoded data; 15 a converter configured to convert the high frequency acoustic signal to a digital acoustic signal; a processor configured to analyze the digital acoustic signal to obtain the encoded data and to decode the encoded data; and a display configured to display the decoded data. 20

88. The acoustic receiving device of claim 87, further comprising: a communication interface device configured to communicate with a pay code provider; and an input interface configured to receive indications of payer selected 25 transaction options from a user, wherein the read machine-readable pay code is encoded with transaction details for a specific transaction; the processor is further configured to request the transaction details for the specific transaction from the pay code provider, receive the indications of payer 30 selected transaction options, transmit the indications of payer selected transaction options to the pay code provider for conveyance to a payee, and receive an - 71 - WO 2012/068480 PCT/US2011/061433 indication that completion of the transaction has been initiated by initiating payment from the payer to the payee.

89. The acoustic receiving device of claim 88, wherein the payer selected 5 transaction options include at least one option selected from the group consisting of quantity, quality, color, and size.

90. The acoustic receiving device of claim 88, wherein the payer selected transaction options include selection of a funding source. 10

91. The acoustic receiving device of claim 88, wherein the payer selected transaction options include user selected shipping details.

92. A website control device, comprising: 15 a reader configured to read a unique machine-readable code displayed on an external display device; a communication interface configured to communicate with an external server through a communication path; and an input interface configured to receive commands from a user to control 20 content displayed on the external display device through the external server, wherein the unique machine-readable code includes the identity of the external display device.

93. A method of distributing context based offers, comprising: 25 identifying a geographic location of a mobile device associated with a user; identifying at least one merchant proximate to the geographic location; identifying, in a user account associated with the user, at least one previous transaction between the user and the at least one merchant; and distributing an offer to the mobile device, wherein the offer is for the 30 purchase of goods or services and wherein the offer is associated with the at least one merchant. -72 - WO 2012/068480 PCT/US2011/061433

94. The method of claim 93, wherein the identifying a geographic location of a mobile device includes using at least one of Global Positioning System (GPS), Assisted GPS, or wireless network discovery. 5

95. A system for distributing context based offers, comprising: a database configured to store a user account associated with a user, the user account including transactions between the user and a plurality of merchants; a locating device configured to identify a geographic location of a mobile device associated with the user; and 10 a processor configured to identify at least one merchant proximate to the geographic location, identify, in the database, at least one transaction between the user and the at least one merchant, and distribute an offer to the mobile device, wherein the offer is for the purchase of goods or services and the offer is associated with the at least one merchant. 15

96. The system of claim 95, wherein the identifying a geographic location of a mobile device includes using at least one of Global Positioning System (GPS), Assisted GPS, or wireless network discovery. 20

97. A mobile device associated with a user, comprising: a transmitter configured to transmit a geographic location of the mobile device; and a receiver configured to receive an offer, wherein the offer is for the purchase of goods or services, wherein the offer 25 is associated with at least one merchant, wherein the at least one merchant is proximate to the geographic location, and wherein the user has previously conducted at least one transaction with the at least one merchant.

98. The mobile device of claim 97, wherein the geographic location of 30 the mobile device is identified using at least one of Global Positioning System (GPS), Assisted GPS, or wireless network discovery. - 73 -