Secure matrix barcode based data transfers

A non-transitory computer-readable media storing instructions which, in response to being executed, cause a machine to perform or control performance of one or more operations, the operations comprising:

• receiving a matrix barcode from a computing device, the matrix barcode including a first entity identifier, wherein the matrix barcode is received based on the computing device scanning the matrix barcode;
• analyzing the matrix barcode to:
• determine a request to initiate a data transfer between a first entity associated with first entity merchant identifier and a second entity;
• and
• determine one or more characteristics associated with the data transfer, including determining, based on a geographic location of the data transfer, a network infrastructure of a network in which the data transfer will occur;
• identifying, based on the one or more characteristics, a first matrix barcode processing flow from a plurality of matrix barcode processing flows to follow to process the data transfer;
• verifying the first entity in the data transfer based on the first entity identifier of the matrix barcode and based on the first matrix barcode processing flow, wherein the verifying includes:
• determining whether the identified first matrix barcode processing flow matches a matrix barcode processing flow selected by the first entity prior to the computing device scanning the matrix barcode;
• and
• processing, in response to determining a match between the two processing flows, the data transfer between the second entity and the first entity based on the first matrix barcode processing flow.

A system, comprising:

• one or more processors;
• and
• one or more non-transitory computer-readable media storing instructions which, in response to being executed by the one or more processors, cause the system to perform or control performance of one or more operations, the operations comprising:
• receiving a matrix barcode from a computing device, the matrix barcode including a first entity identifier, wherein the matrix barcode is received based on the computing device scanning the matrix barcode;
• analyzing the matrix barcode to:
• determine a request to initiate a data transfer between a first entity associated with a first entity merchant identifier and a second entity;
• and
• determine one or more characteristics associated with the data transfer, including determining, based on a geographic location of the data transfer, a network infrastructure of a network in which the data transfer will occur;
• identifying, based on the one or more characteristics, a first matrix barcode processing flow from a plurality of matrix barcode processing flows to follow to process the data transfer;
• verifying the first entity in the data transfer based on the first entity identifier of the matrix barcode and based on the first matrix barcode processing flow, wherein the verifying includes:
• determining whether the identified first matrix barcode processing flow matches a matrix barcode processing flow selected by the first entity prior to the computing device scanning the matrix barcode;
• and
• processing, in response to determining a match between the two processing flows, the data transfer between the second entity and the first entity based on the first matrix barcode processing flow.