Dynamic payment quick response (“QR”) codes

Apparatus for processing and executing offline transactions between a customer and a vendor, the apparatus comprising:

• an entity-operated application configured to execute on a processor of a customer device, without using an internet connection, the entity-operated application configured to:
• receive a customer selection including a value of funds;
• and
• create a transaction payload including the value of funds;
• an artificial intelligence (“AI”) model including progressive learning algorithms, the AI model configured to execute on the processor, the AI model configured to:
• access a data log of the entity-operated application;
• identify metadata of a most recent transaction in the data log;
• retrieve, from the metadata, customer account information;
• and
• encode the customer account information and the transaction payload in black and white pixels of a quick response (“QR”) code;
• the customer device further configured to initiate a transaction with the vendor without using an internet connection, the customer device configured to:
• connect to a vendor scanning device via a local connection;
• receive from the vendor scanning device a payment amount to be transmitted to the vendor, the payment amount being a portion of the value of funds;
• update the transaction payload included in the QR code based on the payment amount, the update configured to set aside the portion of the value of funds from the value of funds;
• and
• display the QR code;
• the vendor scanning device further including photosensitive sensor, the vendor scanning device configured to:
• scan the QR code using the photosensitive sensor;
• transmit the QR code to a central vendor platform;
• the central vendor platform including a processor and a memory location, the central vendor platform configured to:
• extract data from the QR code including customer information, transaction information and the payment amount;
• generate an encrypted data packet that stores the extracted data;
• insert the encrypted data packet into an offline transaction queue;
• and
• transmit the encrypted data packet to an entity-operated platform when an internet connection is established;
• and
• the entity-operated platform configured to:
• receive the encrypted data packet;
• and
• use the data stored in the data packet to execute a transfer of funds between the customer and the vendor corresponding to the payment amount.