CN105701660A - 移动条码生成和支付 - Google Patents

移动条码生成和支付 Download PDF

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CN105701660A
CN105701660A CN201610206377.1A CN201610206377A CN105701660A CN 105701660 A CN105701660 A CN 105701660A CN 201610206377 A CN201610206377 A CN 201610206377A CN 105701660 A CN105701660 A CN 105701660A
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凯瑟琳·A·黄
爱德华·I·施
杰弗瑞·M·奥罗诺弗
理查德·池-鹏·林
斯瑞施·波蒂雷迪
塞思·施·月·王
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    • G06—COMPUTING; CALCULATING OR COUNTING
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    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
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    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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    • G06—COMPUTING; CALCULATING OR COUNTING
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    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3228—One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key

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Abstract

本公开涉及移动条码生成和支付。用户的移动设备(具有显示屏幕)上的应用在用户输入PIN时通过支付提供商在显示屏上生成一次使用和时间有限的条码。条码可被扫描以在销售点(POS)处进行购买。收据也可被存储在设备上，其可被用户检索出并被商家扫描以便退回。

Description

移动条码生成和支付
分案申请说明
本申请是申请日为2009年10月28日、题为“移动条码生成和支付”的发明专利申请No.200980148377.9的分案申请。
技术领域
本发明总地涉及促进金融交易，更具体而言涉及利用移动设备促进这种交易。
背景技术
诸如蜂窝电话之类的移动设备正被全世界的越来越多的人们使用。除了将移动电话用于语音呼叫以外，消费者几乎可在任何时间和任何地点进行通信以促进对移动服务和因特网的信息访问。移动电话也已成为了集成有数字相机的多媒体计算平台，用于拍摄图片和视频、播放音乐、记录交谈以及组织和计划活动和约会。
最近，已经在结合诸如加州圣何塞的PayPal公司之类的在线支付服务提供商使用移动电话。随着因特网和因特网商务的流行性的不断增长，消费者和卖家都在使用因特网来促进当事人之间的金融交易，无论当事人是个人还是公司。在在线金融交易中，消费者可使用在线支付提供商来通过诸如因特网之类的电子网络转移金钱和接收金钱。金钱转移可用于商品或服务的支付。支付提供商提供使用户能够进行支付和接收支付的基础设施、软件和服务。移动电话用户可与支付提供商订立合约以允许用户通过电话进行支付。通常，这要求用户在电话上打开一应用(例如通过web浏览器)。用户随后通过输入所请求的诸如用户名、电话号码、电子邮件和/或口令之类的信息来访问其在线账户。支付信息随后可被输入并发送到支付提供商，支付提供商随后将资金从用户的账户转移到收款人的账户。随后可向支付人和/或收款人发送确认。
虽然此服务给予了消费者利用移动电话在任何地方为服务付款的灵活性，但该过程可能是麻烦的、耗时的并且可能易于发生欺诈性转移。
发明内容
根据一个实施例，具有屏幕的移动设备(例如蜂窝电话)上的应用使得用户能够在屏幕上生成条码，该条码可被扫描以用于支付。该条码在有限的一段时间(例如一分钟)内并且对单次使用有效。一旦被扫描，支付就被从用户的账户转移到商家的账户。在一个实施例中，用户首先在电话上打开该应用，该应用随后向用户呈现一屏幕，该屏幕示出与用户相关联的电话号码和供用户输入口令或PIN的字段。在输入正确的口令或PIN之后，条码被生成并出现在屏幕上。条码是通过诸如PayPal之类的支付提供商生成的。一旦条码被生成，诸如CCD扫描仪之类的扫描仪就在销售点(POS)或其他物理支付地点处扫描条码。资金被从用户的账户中扣除并被转移到零售商的账户。可以要求用户进行签名确认。然后可在移动设备上生成收据，并且立即跟踪购买。
根据另一个实施例，可在用户的移动设备上显示收据以用于执行退款交易。利用任何适当的搜索，例如按日期、最近活动、商店等等，在用户的移动设备上定位到该收据。收据可能已如上所述作为购买的一部分被存储。一旦定位到，采取可扫描的条码形式的收据就被显示在用户的设备上。收据随后被商家或用户扫描。退回的商品可在收据被扫描之前或之后被扫描。一旦退回的商品和收据两者都被扫描，信息就被比较以确保收据匹配退回的商品。如果退款得到核准，则支付提供商将适当的资金从商家的账户转移到用户的账户。商家和/或用户随后可被给予一收据，该收据是电子形式的或者可打印/纸质形式的。
也可以生成其他可扫描的金融产品，例如虚拟借记/信用卡、赠券和礼品卡。如果合格的购买向用户提供了即时的赠券或回扣，则这些赠券或回扣也可被生成。
结果，用户可以容易且安全地在任何具有适当的扫描设备的地点利用其移动电话为交易付款。用户被提供以替换的或额外的支付手段。用户不需要费心携带和管理许多的物理支付手段，例如卡、纸质赠券、纸质礼券等等。购买可经由电话被即时分类和跟踪，并且收据即时可得。对于商家或零售商，这种新形式的支付可增加销售和数量，因为消费者能够有容易且新颖的方式来购买物品。商家和零售商的成本是最小限度的，因为可以使用或者简单地修改现有的扫描系统。
从结合附图来理解的以下记载的实施例的详细描述将容易清楚本发明的这些和其他特征和优点。
附图说明
图1是示出根据一个实施例的用户从移动电话进行支付的步骤的流程图；
图2A是示出根据一个实施例的支付提供商使用户能够从移动电话进行支付的步骤的流程图；
图2B是示出根据一个实施例的商家从移动设备执行金融交易的步骤的流程图；
图2C是示出根据一个实施例的使用户能够从移动电话上的收据获得退款的步骤的流程图；
图3A和3B示出了根据一个实施例的从移动电话生成的条码；并且
图4是示出根据一个实施例的由支付交易的不同当事人利用移动设备执行的各种步骤的系统图；并且
图5是可用于实现这里描述的系统的一个或多个组件的系统的一个实施例的框图。
通过参考以下详细描述来最好地理解示例性实施例及其优点。应当明白，相似的标号用于标识在一幅或多幅图中图示的相似元件，在其中示出是为了图示示例性实施例而不是对其进行限制。
具体实施方式
图1是示出用户从移动电话进行支付的一个实施例的流程图100。在步骤102中，用户向诸如PayPal之类的在线支付提供商注册。注册可通过任何适当的手段进行，例如访问支付提供商站点和输入所需要的信息。例如，如果尚未建立账户，则可要求用户创建账户，或者如果建立了账户，那么如果需要可要求用户为账户充入资金。随后可要求用户输入移动电话的电话号码和口令或PIN，之后是对口令或PIN的确认。一旦用户完成了注册，则可在用户的注册设备(例如移动电话)上安装一应用。当用户准备好使用该服务或应用时，用户在步骤104打开该应用，例如通过叩击电话上的该应用的图标。随后向用户呈现一屏幕，该屏幕示出两个字段，电话号码字段和口令或PIN字段。在一个实施例中，设备电话号码已经被输入。注意可以以任何适当的组合使用其他标识符字段，只要向支付提供商提供了充分的信息来认证用户即可。在步骤106中，用户输入PIN(或任何其他所请求的标识信息)。如果PIN和电话号码得到支付提供商的核实，则向用户呈现示出条码的屏幕。
在步骤108中，用户向商家呈现条码图像。这可以发生在收银台或销售点(POS)处，在用户完成了购物并且要购买的物品(和/或服务)已被扫描或输入以便支付之后。向用户呈现总额，此时，用户向商家提供一种形式的支付。在一个实施例中，用户显示条码以供商家扫描。商家随后扫描该条码以便支付。在另一个实施例中，用户可以自己扫描条码，例如通过使屏幕经过扫描仪。注意，取决于示出条码的设备，可能需要适当的扫描仪系统和类型。例如，为了准确地扫描具有反射性屏幕的设备(例如在电话上)，可能需要CCD扫描仪。在扫描之后，在步骤110中，可以给予用户确认支付的选项，例如通过签名、勾选“接受”图标，等等。
随后通知商家该支付是否是经核准的。核准可以采取如下形式：支付提供商发送并且商家接收文本消息(例如“核准”)、视觉消息(例如绿灯)、口头消息(例如来自到商家的现场或自动呼叫)、或者对核准的任何其他适当的指示。对支付的拒绝可以用类似的方式来指示，例如“拒绝”、红灯，等等。对支付的拒绝可能是各种原因造成的，例如用户的账户中的资金不足以进行购买或支付，读取条码时出错，或者条码无效。如果拒绝是由于读取时出错造成的，则可以相应地通知商家并根据需要重新扫描条码。如果拒绝是由于条码无效造成的，则条码可能已到期或者已经被使用过。如果被拒绝，则可以向商家和/或用户给出对原因的指示，以便可以应对该原因。例如，如果拒绝是因为条码无效，则可以再次扫描条码，或者可以生成新的条码以供扫描。
在一个实施例中，在用户的电话上生成的条码仅对一次使用(例如一次确认的使用，其中单次使用可来自多次不成功的扫描和一次成功的扫描)以及特定量的时间有效。例如，条码可以仅在条码被生成之后的30秒或一分钟内有效。这提高了安全性并且使对条码的错用或欺诈性使用达到最低限度。
假定条码是有效的并且得到确认，则支付结束，并且在步骤112中给予用户一收据，该收据例如来自商家终端，采取纸质收据或到电话的短消息服务(SMS)消息的形式。在其他实施例中，用户还可以在电话上查看收据并且通过支付提供商管理或以其他方式跟踪该购买。例如，用户可以做出关于该购买的注释以供将来参考或将该购买发送到另一应用。用户还可以检查先前的交易并且查看或取消未决的授权。注意，在一些实施例中，用户可以很容易地完全取消此服务，例如当电话丢失时。例如，用户可以简单地登录到支付提供商站点上，输入信息以访问账户，然后取消该服务。另一个安全性特征可以是用户在使用之前需要首先将电话解锁。这可以用各种方式来完成，例如生物识别扫描或输入ID来将电话解锁。对于后者，用户于是需要输入两个口令或PIN，一个用于将电话解锁，一个用于访问该应用。
图2A是示出支付提供商使用户能够从移动电话进行支付的步骤的另一实施例的流程图200。在步骤202中，用户针对该服务向支付提供商注册。支付提供商接收并处理用户输入的信息以在必要时创建应用和账户。信息可包括用户名、口令、金融信息、账单地址、PIN、安全性问题和答案，等等。信息的传输可以通过任何手段，例如通过因特网、蓝牙或有线连接，利用适当的组件，例如天线和处理器。接下来，支付提供商在步骤204中在用户的设备上安装适当的应用，这可以经由web浏览器来完成。该应用可以就是用户的设备屏幕上的图标。当用户准备好使用该应用或服务时，用户如上所述打开该应用并输入所请求的信息。支付提供商在步骤206中接收此信息以确认用户。如果该信息(例如电话号码和PIN)不对应于注册用户，则支付提供商可相应地通知用户，给予其更多登录机会。一旦确认了用户，支付提供商就可在步骤208访问用户的账户。
在步骤210，支付提供商生成与用户的账户相对应的条码。条码可以利用标准软件生成，以显示在屏幕或终端上，例如通过运行该软件的处理器来生成。条码可允许访问用户的账户中的所有资金、仅限用户拨出的一部分，或者限于某些商家或产品/服务。例如，家长可以为孩子设立带有使用限额和限制的账户。限制可包括每次交易或条码生成的最大数额、每时间段(例如星期或月)的最大交易次数、每时间段(例如星期或月)的交易的最大金额、以及协定的预定到期日期，从而在到期后，用户不再能够生成条码，除非用户更新该协定。条码也可以是用于特定数额的，这由用户在访问应用之后指定。例如，在访问后，用户可以被给予如下的选项：输入数额，从若干个预定的数额之一中选择，或者使用默认数额。
一旦生成了条码，支付提供商就将条码发送到用户设备，用户设备在设备上显示条码。条码的发送可以通过与用于从用户接收信息的手段相同或相似的手段进行，例如天线、发送器或收发器。支付提供商随后等待来自商家或扫描仪的信息。此信息可包括商家的名称、账户信息、支付数额等等。当在步骤212中接收到信息时，支付提供商判定所接收的信息是否将允许支付提供商进行转账。如上所述，会使得支付提供商拒绝支付的信息可包括所请求的支付超出条码限额、条码已到期或已经被使用过、条码不匹配用于用户的条码、商家账户未得到承认，等等。如果所接收的信息是适当的，则支付提供商在步骤214中实现从用户的账户到商家的账户的资金转移，其中由例如PayPal和其他在线金融机构使用的处理器执行协议和软件。支付提供商还可以向用户和商家两者发送确认，指出资金已被转移。确认对于用户和商家可以是相同或不同的，并且可包括文本消息、视觉指示物、语音指示物，等等。
在另一实施例中，支付提供商可以向商家提供额外的一层保护，例如为了使退单达到最低限度和/或获得用户签名或同意的证据。最初，商家如上所述利用扫描仪扫描所生成的条码。商家所在地的POS软件随后为了授权该支付而对支付提供商发出DoAuthorizationAPI调用。作为响应，支付提供商判定扫描的信息是否与支付提供商关于该用户的信息一致并且以授权或拒绝作为对商家的响应。如果得到授权，商家则可显示数额以便用户授权。这可以是在电子签名板上供用户签名或者就是一个OK键供用户按下。POS软件随后向支付提供商发出DoCaptureAPI调用以获得该支付。支付提供商随后将以API响应作为响应以表明资金是否已被成功转移。如果是，则商家为用户打印收据。
图2B是示出根据一个实施例的由商家执行的用于利用显示条码的移动设备来执行金融交易的步骤的流程图230。当移动设备的用户想要与商家(或其他任何人)进行金融交易时，用户如上所述在移动设备上生成和显示条码。这可以发生在用户已完成购物，在出纳机或销售点处准备好结账或为物品付款时。最初，在步骤232，商家记录要购买的物品和买家应付的总数额，例如扫描物品以获得描述和价格。接下来，在步骤234，商家被呈现以在用户或买家的移动设备(例如电话)上显示的条码。随后在步骤236由商家或用户(例如利用商家扫描仪)扫描该条码。同样，取决于用户设备的显示屏/屏幕，为了准确地读取条码需要适当的扫描仪，例如CCD扫描仪。条码信息和购买信息在步骤238被发送到支付提供商，并被支付提供商所处理。商家随后在步骤240接收关于支付已被接受或拒绝的通知。如果被拒绝，则商家可在步骤242告知用户，并且用户可以相应地响应。选项包括再次扫描条码、生成新条码、或者向商家呈现新形式的支付。如果被接受，则商家可在步骤244接收对交易的确认。结果，资金被从用户的账户转移到商家的账户，用于购买期望的(一个或多个)物品。
图2C是示出用户在移动电话上检索出收据并将其在POS处用于退款的实施例的流程图250。在例如像上述那样购买之后，用户可能希望退回购买物以获得退款。在步骤252中，用户在用户的移动电话或设备上定位到收据。收据可能已作为初始购买的一部分被存储，如上所述。检索出收据可包括该应用具有搜索菜单，该菜单使用户可以按商家、金额、日期或其他类别来定位到交易。用户可以选择期望的交易来查看详情，例如物品和收据。一旦定位到了期望的收据或交易，在步骤254中条码收据就被示出在移动设备的显示屏上。例如，可以向交易详情页面添加一按钮，用以显示商家的订单ID或发票ID(由条码表示)。条码收据也可以按任何其他适当方式来显示或生成，例如在购买过程期间以条码的形式捕捉和存储。
一旦被显示，在步骤256，作为退款过程的一部分，商家就可以扫描该条码。对条码的扫描可以在商家扫描退回的商品之前或之后进行。接下来，在步骤258，商家所在地的POS软件发出退款API调用以发起退款。在一个实施例中，支付提供商随后可判定该交易(退款)是否是适当且有效的。支付提供商可用于判定的方式包括确认商家和用户账户是否有效、将特定的商家账户与商家匹配、将特定的用户账户与用户匹配、判定退款的物品是否确实被购买以及其是否是在商家处购买的、将退回的物品与收据上指示的物品相匹配、收据上关于退款的任何到期日期，等等。当退款得到支付提供商或商家的核准时，支付提供商将退款的数额从商家的账户转移到用户的账户。支付提供商随后发送API响应以表明退款是否成功。如果是，则商家在步骤260打印示出退款交易的收据。退款收据也可被存储在用户的电话上。与对纸质收据进行保存、存储和分类相比，此实施例使得用户能够容易且有效地管理收据和退款。
图3A和3B示出了从移动电话300生成的条码的一个实施例。在图3A中，用户已打开了应用并且被呈现以登录屏幕302。登录屏幕302包括：电话字段304，其可能已被填充或未被填充以设备电话号码；以及口令或PIN字段306，用户例如利用电话按键在其中输入其PIN。在成功登录之后，向用户示出具有条码308的屏幕，该条码308可能仅在一定时间段内和对单次使用有效。屏幕上示出的条码随后可在POS处被扫描以用于支付，如上所述。
图4是示出根据一个实施例的支付交易的不同当事人利用移动设备执行的各种步骤的示图。路径1示出了买家为了向支付提供商注册或者在支付提供商处创建账户而采取的步骤。所选择的诸如PIN、电话号码、协定令牌、协定ID之类的信息被存储在支付提供商的数据库400中。数据库400可被存储在本地或远程服务器上或者任何其他适当的存储装置上。路径2示出了买家在商店或POS处准备好进行购买时的步骤。在数据库400中搜索用户PIN和电话号码以找到匹配的用户ID。生成条码，带有相关联的条码ID。用户ID和条码ID都被存储在数据库400中。路径3示出了在路径2中生成条码之后商家的步骤。在扫描条码之后，在数据库将条码ID与匹配的用户ID相核对。当得到确认时，用户ID被发送到商家以便确认支付。
图5是根据一个实施例的计算机系统500的框图，该计算机系统500可适用于实现本公开的各种方面的实施例。在实施例的各种实现方式中，设备300可包括个人计算设备，例如个人计算机、膝上型计算机、PDA、蜂窝电话或其他个人计算或通信设备。数据库400可以在网络计算设备内、是网络计算设备的一部分或包括网络计算设备，网络计算设备例如是被组合来提供支付服务的一个或多个服务器、计算机或处理器。从而，应当明白，这里描述的设备可以按如下方式实现为计算机系统500。
在一个实施例中，计算机系统500可包括总线502或其他用于传输信息的通信机构，其互连子系统和组件，例如处理组件504(例如处理器、微控制器、数字信号处理器(DSP)等等)、系统存储器组件506(例如RAM)、静态存储组件508(例如ROM)、盘驱动组件510(例如磁的或光的)、网络接口组件512(例如调制解调器或以太网卡)、显示组件514(例如用于显示所生成的条码的CRT或LCD)、输入组件516(例如用于输入PIN或口令的键盘或小键盘)、和/或光标控制组件518(例如按键、鼠标或轨迹球)。在一个实施例中，盘驱动组件510可包括具有一个或多个盘驱动组件的数据库。网络接口组件512可包括分开的或集成的天线，用于使能经由通信链路520进行发送和接收。
根据以上联系图1、2A和2B描述的步骤，计算机系统500可通过处理器504执行系统存储器组件506中包含的一个或多个指令的一个或多个序列来执行特定的操作。这种指令可被从另一计算机可读介质(例如静态存储组件508或盘驱动组件510)读取到系统存储器组件506中。各种存储或存储器组件可用于存储关于快速核准过程的受信任源的信息。在其他实施例中，可使用硬连线电路取代软件指令或与软件指令相结合来实现本发明。
逻辑可被编码在计算机可读介质中，计算机可读介质可以指任何参与向处理器504提供指令以供执行的介质。这种介质可采取许多形式，包括但不限于非易失性介质、易失性介质和传输介质。在各种实现方式中，非易失性介质包括光盘或磁盘，比如盘驱动组件510，易失性介质包括动态存储器，比如系统存储器组件406，并且传输介质包括同轴电缆、铜线和光纤，包括构成总线502的线路。在一个示例中，传输介质可采取声波或光波的形式，例如在无线电波和红外数据通信期间生成的声波或光波。
机器可读介质的一些常见形式例如包括软盘、柔性盘、硬盘、磁带、任何其他磁介质，CD-ROM、任何其他光介质，穿孔卡、纸带、任何其他具有孔图案的物理介质，RAM、PROM、EPROM、FLASH-EPROM、任何其他存储器芯片或卡盘，载波，或者计算机适于读取的任何其他介质。
在各种示例性实施例中，为了实现本发明实施例而对指令序列的执行可由计算机系统500来执行。在各种其他实施例中，通过通信链路520耦合的多个计算机系统500可执行指令序列以相互协同地实现本发明。
计算机系统500可通过通信链路520和通信接口512发送和接收消息、数据、信息和指令，其中包括一个或多个程序(即应用代码)。所接收的程序代码可在接收到时被处理器504执行和/或存储在盘驱动组件510或某种其他非易失性存储组件中以供执行。
在适用时，本公开提供的各种实施例可利用硬件、软件或硬件和软件的组合来实现。另外，在适用时，这里记载的各种硬件组件和/或软件组件可被组合成包括软件、硬件和/或两者的合成组件，而不脱离本公开的精神。在适用时，这里记载的各种硬件组件和/或软件组件可被分离成包括软件、硬件或两者的子组件，而不脱离本公开的范围。此外，在适用时，设想了软件组件可实现为硬件组件，反之亦然。
根据本公开，诸如程序代码和/或数据之类的软件可被存储在一个或多个计算机可读介质上。还设想了这里标识的软件可利用联网的和/或其他形式的一个或多个通用或专用计算机和/或计算机系统来实现。在适用时，这里描述的各种步骤的顺序可被改变、被组合成合成步骤和/或被分离成子步骤以提供这里描述的特征。
上述公开并不意欲将本发明限制到所公开的确切形式或特定使用领域。设想了根据本公开可以做出对本发明的各种替换实施例和/或修改，无论其是否在这里明确描述或暗示。例如，连同相关联的电话号码输入用户PIN可以创建具有相应的条码的虚拟借记卡。该条码随后可被扫描以便进行通常的借记卡处理。其他示例包括生成与赠券、礼品卡或几乎任何金融工具相对应的条码。另外，条码的生成和扫描可以在交易期间的任何时间进行，例如在物品被扫描或以其他方式记录之前、期间或之后。
在已这样描述本发明的实施例后，本领域的普通技术人员将认识到在不脱离本发明范围的情况下可以做出形式和细节上的改变。从而，本发明仅由权利要求所限。

Claims (18)

1.一种执行金融交易的方法，包括：
通过支付提供商的硬件处理器用电从用户接收信息，其中所述支付提供商是与移动用户设备和商家通信以处理所述用户和所述商家之间的金融交易的第三方服务提供商；
通过所述支付提供商基于所述信息生成条码，其中所述条码具有由用户预先确定的使用条件，并且其中所述条码在规定的时间段内有效；
通过所述支付提供商用电将所述条码发送到所述移动用户设备以便显示在所述移动用户设备上；
从扫描条码信息的商家扫描的所述条码接收信息并将所述信息随来自所述商家的购买信息一起发送到所述支付提供商以用于所述用户通过所述商家的购物；
由所述支付提供商确定所述条码在从扫描条码信息的商家扫描的所述条码接收信息之前尚未经扫描；
由所述支付提供商确定所述规定的时间段还未到；
处理已发送的接收条码和购物信息以从用户账户向所述商家的账户转移资金；
使用于所述购物的收据条码显示在所述用户设备上；
接收有关来自所述商家扫描的所述收据条码的退货的信息以及有关要被退回的物品的信息；以及
处理有关所述退货和所述物品的信息以从所述商家的账户向所述用户账户转移资金。
2.如权利要求1所述的方法，还包括在从用户接收信息之后访问所述用户账户。
3.如权利要求1所述的方法，其中，所述信息包括登录信息。
4.如权利要求3所述的方法，其中，所述登录信息包括口令或PIN。
5.如权利要求1所述的方法，还包括在所述条码被使用之后从第二用户接收信息。
6.如权利要求5所述的方法，其中，所述第二用户是所述商家。
7.如权利要求5所述的方法，其中，基于从所述第二用户接收的信息，所述资金被转移到所述第二用户的账户。
8.如权利要求1所述的方法，其中，所述条件包括周期性限额、每交易限额、商家限额或交易次数限额。
9.如权利要求1所述的方法，其中，所述移动用户设备是电话。
10.一种用于执行金融交易的方法，包括：
由商家扫描临时显示在移动设备上的条码，其中通过支付提供商生成所述条码并用电将所述条码发送至所述移动设备以便显示在所述移动设备上，其中所述条码具有由用户预先确定的使用条件，其中所述条码在规定的时间段内有效，其中所述支付提供商是与所述移动设备和所述商家通信以处理用户和所述商家之间的金融交易的第三方服务提供商；
将关于所述金融交易的信息发送到所述支付提供商；
响应于由所述支付提供商对所述规定的时间段还未到的第一确定以及由所述支付提供商对所述条码在由所述商家的扫描仪对所述条码进行扫描之前尚未经扫描的第二确定，从所述支付提供商接收关于所述支付提供商为所述金融交易转移资金的通知；
扫描所述用户设备上显示的用于购物的收据条码，其中所述收据条码包括有关来自所述收据条码的退货的信息；
发送有关要被退回的物品的信息；
从所述支付提供商接收所述退货被所述支付提供商同意还是拒绝的通知；以及
当所述退货被所述支付提供商同意时，使资金被所述支付提供商从所述商家的账户划入用户账户。
11.如权利要求10所述的方法，其中，所述发送是由商家在销售点处进行的。
12.如权利要求10所述的方法，其中，所述资金被从与所述移动设备相关联的用户账户转移到商家账户。
13.如权利要求10所述的方法，其中，所述资金被从商家账户转移到与所述移动设备相关联的用户账户。
14.一种用于执行金融交易的方法，包括：
访问移动设备上的应用；
登录到与所述应用相关联的支付提供商服务中；
用电从支付提供商接收由所述支付提供商生成的条码以便显示在所述移动设备上，其中所述条码具有由用户预先确定的使用条件，其中所述条码在规定的时间段内有效，其中所述支付提供商是与所述移动设备和商家通信以处理用户和所述商家之间的金融交易的第三方服务提供商；
使所述条码被所述商家扫描；
从所述支付提供商接收关于资金被所述支付提供商转移的通知；
使所述用户设备上显示的用于购物的收据条码被扫描，其中所述收据条码包括用电传递到所述支付提供商的有关来自所述收据条码的要退回的物品的信息；
发送有关要被退回的物品的信息；
响应于由所述支付提供商对所述规定的时间段还未到的第一确定以及由所述支付提供商对所述条码在由所述商家的扫描仪对所述条码进行扫描之前尚未经扫描的第二确定，从所述支付提供商接收所述退货被所述支付提供商同意还是拒绝的通知；以及
当所述退货被所述支付提供商同意时，使资金被所述支付提供商从所述商家的账户划入用户账户。
15.如权利要求14所述的方法，其中，所述登录包括输入口令或PIN。
16.如权利要求14所述的方法，还包括在所述条码被扫描之后确认所述金融交易。
17.如权利要求14所述的方法，还包括对所述条码设定限额。
18.如权利要求17所述的方法，其中，所述限额包括基于时间、次数或金额的限额。
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