Dynamic generation of quick response (QR) codes for secure communication from/to a mobile device

A method comprising:

• receiving, in a mobile device executing a payment application, user account information;
• generating, in the mobile device and based on the received user account information, a first quick response (QR) code encoding identification of the user account of the user of the mobile device, and a location at which the first QR code is being encoded;
• providing a search function, in the mobile device, for locating one or more devices for processing a payment transaction within a specific geographical location of the mobile device;
• reading, using a camera of the mobile device, a second QR code displayed by one of the one or more devices for processing a payment transaction, the second QR code encoding an encryption key;
• processing, in the mobile device, the second QR code read using the camera in order to extract the encryption key encoded in the second QR code;
• encrypting, in the mobile device, the first QR code into an encrypted QR code using the encryption key extracted from the second QR read by the camera;
• displaying, by the mobile device, the encrypted QR code in a format to be read by a QR reader of the one of the one more devices for processing a payment transaction;
• and
• receiving, from a payment application server associated with the payment application, a payment confirmation message in response to the one of the one more devices for processing the payment transaction successfully completing a payment transaction based on the user account identification encoded in the displayed encrypted QR code;
• wherein the location at which the first QR code was encoded is configured to be extracted from the encrypted QR code to verify that the first QR code was generated within a particular geographical area of the one of the one more devices for processing a payment transaction before processing the payment transaction.

A method comprising:

• displaying, by a device for processing a payment transaction a first quick response (QR) code, for reading by a mobile device, wherein the first QR code encodes an encryption key;
• reading, by a QR code reader of the device for processing the payment transaction, a second QR code displayed by the mobile device, wherein the second QR code is encrypted using the encryption key read by the mobile device;
• processing, by the device for processing the payment transaction, the second QR code read by the QR reader in order to extract identification, encoded in the second QR code, of a user account of a user of the mobile device and of a location at which the second QR code was encoded, wherein processing the second QR code read by the QR reader comprises decrypting information encoded in the second QR code using a decryption key corresponding to the encryption key encoded in the first QR code displayed for reading by the mobile device;
• verifying, by the device for processing the payment transaction, that the location at which the second QR code was encoded is within a particular geographical area of a location of the device for processing the payment transaction;
• generating a payment transaction request message, in the device for processing the payment transaction, the payment transaction request message including the identification of the user account extracted from the second QR code and a transaction amount;
• transmitting the generated payment transaction request message, from the device for processing the payment transaction to a payment application server;
• and
• receiving, at the device for processing a payment transaction, from the payment application server, a payment confirmation message in response to the payment application server successfully completing a payment transaction based on the user account identification extracted from the second QR code.