System and method for providing simplified in-store purchases and in-app purchases using a use-interface-based payment api

Abstract

Disclosed is a method including receiving at a user device a scan of a code, initiating on the device, based on the code, a communication with a server, receiving, based on the communication and from the server, a download of a user interface, the download being independent of a full application stored on the user device, transmitting, via the software module, an identification, received from the user, of a function to perform in connection with the code, transmitting location data associated with the user device to the server and transmitting authorized data to the server based on data retrieved from either the user device or a network entity. The user can scan product codes or rental codes in the store or on a device like a scooter and receive the interactive interface for performing a function. The process eliminates the need for point of sale equipment and eliminates checkout lines.