Mastercard International Incorporated

Sara Absar

Shane Lansley Jorge Deniz

Ojo K Oluwasogo

Edwin Kaduki

Madhur Ratanlal Mehra

Francis Montet

Ayansola Akanmu

A payment transaction method is provided comprising: providing a 2-dimensional coded representation to a payment giver for identifying the payment receiver; providing a code recognition device to recognize the 2-dimensional coded representation as being associated with the payment receiver; commencing a payment transaction from a payment giver to the payment receiver; wherein the 2-dimensional coded representation is provided to the code recognition device using a non-visual interaction channel, and the 2-dimensional coded representation is recognized using non-visual scanning. Alternatively or additionally, a push request database may be provided which allows a selection to be made between payment using a push request or payment using a 2d coded representation. This selection may be performed by the payment giver, the payment receiver or an arbiter.

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Karachi, Pakistan

Sara Absar