System, method and article of manufacture to conserve power in a mobile device by temporarily displaying a scanning code for conducting a cloud-based transaction without unlocking a mobile device

A method to conserve power in a mobile device comprising:

• identifying the mobile device is at a business location;
• temporarily replacing lock screen wallpaper in the mobile device to an image having a scanning code, the scanning code encoding payment information for conducting a cloud-based transaction at the business location, wherein a payment provider automatically covers transaction cost with issuer linked funds and, in a separate transaction, the payment provider charging purchaser's selected, cloud-linked account in a card-not-present transaction;
• activating a display of the mobile device and rendering the image having the scanning code as the lock screen wallpaper on the activated display of the mobile device which remains in the screen locked state;
• and
• conserving power in the mobile device by providing the image having the scanning code as the lock screen wallpaper of the mobile device, without having to unlock the mobile device.

A mobile device comprising:

• a processor;
• a display;
• storage storing computer readable programmable code, which when executed by the processor implements a method to conserve power in the mobile device having a lock screen wallpaper, the storage comprising computer readable program code to:
• identify the mobile device is at a business location;
• temporarily replace lock screen wallpaper in the mobile device to an image having a scanning code, the scanning code encoding payment information for conducting a cloud-based transaction at the business location;
• and
• activate a display of the mobile device and render the image having the scanning code as the lock screen wallpaper on the activated display of the mobile device which remains in the screen locked state,
• wherein power is conserved in the mobile device by providing the image having the scanning code as the lock screen wallpaper of the mobile device, without having to unlock the mobile device.