Secure mobile checkout system

A secure checkout device, comprising:

• a computing device that comprises a processor;
• a scanning device configured to receive instructions from the processor;
• and
• a memory configured to communicate with the processor, the memory having instructions stored thereon that, in response to execution by the processor, cause the computing device to at least:
• determine the computing device has entered a merchant location based at least in part on receiving a merchant identifier for the merchant location, wherein the merchant identifier is determined based at least in part on a location of the computing device being within a geo-fence boundary for the merchant location;
• scan, via the scanning device, a product to determine scanned product data that comprises a product identifier associated with the product and a user transaction account identifier, wherein scanning the product comprises capturing at least one of a universal product code (UPC), a quick response (QR) Code, or a barcode;
• retrieve product data based at least in part on the product identifier and the merchant identifier, wherein the product data comprises a product price;
• generate a transaction data packet associated with a user-initiated transaction, wherein the transaction data packet comprises the merchant identifier, the product identifier, the product price, and the user transaction account identifier;
• transmit over a computer network, the transaction data packet to a payment network,
• retrieve a transaction authorization from the payment network and authorize the user-initiated transaction;
• transmit, in response to the transaction authorization, a deactivation signal to a secure checkout device using at least one of near field communication (NFC), radio frequency identification (RFID), or Bluetooth;
• wherein the transaction authorization comprises an exit signal for deactivating a security system associated with an exit area at the merchant location, and the exit signal comprises the product identifier to indicate that the product is allowed to exit the merchant location;
• and
• transmit, in response to the transaction authorization, the exit signal to the security system at the merchant location.

An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer based system, cause the computer based system to at least:

• determine that a client device has entered a merchant location based at least in part on receiving a merchant identifier for the merchant location, wherein the client device is configured to determine the merchant identifier based at least in part on a location of the client device being within a geo-fence boundary for the merchant location;
• receive at least:
• scanned product data comprising a product identifier associated with a product, the merchant identifier, and a user transaction account identifier, wherein the product identifier comprises at least one of a universal product code (UPC), a quick response (QR) Code, or a barcode;
• retrieve product data based at least in part on the merchant identifier and the product identifier, wherein the product data comprises a product price;
• generate a transaction data packet associated with a user-initiated transaction, wherein the transaction data packet comprises the merchant identifier, the product identifier, the product price, and the user transaction account identifier;
• transmit, over a computer network, the transaction data packet to a payment network;
• retrieve a transaction authorization from the payment network and authorize the user-initiated transaction;
• wherein the client device, in response to the transaction authorization, is configured to transmit a deactivation signal to a secure checkout device using at least one of near field communication (NFC), radio frequency identification (RFID), or Bluetooth;
• and
• wherein the transaction authorization comprises an exit signal for deactivating a security system associated with an exit area at the merchant location, and the exit signal comprises the product identifier to indicate that the product is allowed to exit the merchant location;
• and
• transmit, in response to the transaction authorization, the exit signal to the client device, wherein the client device is configured to deactivate the security system at the merchant location by transmitting the exit signal to the security system.