A computer-implemented system for facilitating mobile device payments and providing compensation for using a mobile payment service via a customer mobile device, the system comprising a processor configured to:
- receive, from the customer mobile device associated with a user, product information associated with a purchase of one or more products made via the mobile payment service by the user using the customer mobile device, the product information being encoded in a product barcode of the one or more products, the product barcode being captured by the customer mobile device and displayed by a display of the customer mobile device for capturing by a payment receiver mobile device, the product information including at least information associated with the one or more products and a payment amount for the purchase of the one or more products;
- upon capturing the product barcode, prompt the customer mobile device to match the product information with records of a local database stored on the customer mobile device;
- prompt the customer mobile device to retrieve, based on the matching and from the local database, first additional information associated with the one or more products;
- upon receiving the product information, select, from a product database associated with the mobile payment service and stored on a server associated with the mobile payment service, second additional information associated with the one or more products;
- transmit the second additional information to the customer mobile device;
- prompt the customer mobile device to display the first additional information and the second additional information to the user;
- receive, from the customer mobile device, a customer payment information, the customer payment information being entered by the user via a user interface of the customer mobile device;
- upon receiving the customer payment information, store the customer payment information remotely from the customer mobile device;
- based on the customer payment information, generate a unique code encoding the customer payment information;
- upon generating the unique code, provide a transmit the unique code to the customer mobile device;
- prompt the user to set a password for the unique code by entering the password on the customer mobile device by the user;
- upon the receiving the product information, prompt the user to enter, via the customer mobile device, the password associated with the unique code;
- upon entering the password by the user, display the unique code on a screen of the customer mobile device, the unique code being scannable by the payment receiver mobile device;
- based on the scanning of the unique code by the payment receiver mobile device, transfer the payment amount for the purchase of the one or more products based on the customer payment information;
- upon the transferring, update, in a database associated with the mobile payment service, customer records associated with the user by adding information associated with the payment amount and the information associated with the one or more products;
- determine, based on the product information, that the one or more products are associated with a predetermined group of products;
- based on the determining that the one or more products are associated with the predetermined group of products, attribute the user to a group of customers associated with group buying of the predetermined group of products;
- upon the updating the customer records, determine, based on the customer records retrieved from the database, that the user spent a predetermined amount of money for purchasing products associated with the predetermined group of products;
- and
- based on the attributing the user to the group of customers and the determining that the user spent the predetermined amount of money for purchasing the products associated with the predetermined group of products, selectively provide to the user a predetermined amount of cashback for the purchase based on predetermined criteria.