Customer Presented Payment Solutions

This table highlights the key aspects of the Customer Presented QR Code Payment solution, emphasizing its suitability for environments requiring fast and efficient transaction processes, along with the benefits and considerations associated with its implementation.

SolutionDescriptionTechnical ScopeIdeal forProsCons
Customer Presented QR Code PaymentThis solution allows customers to pay using their digital wallet by presenting a QR code for the cashier to scan.Customer's digital wallet generates a QR code, scanned by POS system scanner.Fast-paced retail environments with high customer throughput.Efficient and quick transaction process; reduces physical contact.Requires customer familiarity and comfort with digital wallets


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Customer Checkout Experience

The Customer Presented QR Code payment use case in the context of Pockyt's solutions involves a series of technical steps centered around QR code scanning for transaction processing. Here's a breakdown of the technical details:

QR Code Generation by Customer’s Digital Wallet:

  • When a customer opts to pay using a digital wallet like AliPay or WeChat Pay, the wallet app generates a unique QR code. This QR code contains encoded information about the customer's account and the specific transaction.

Scanning the QR Code:

  • The cashier uses a scanner connected to the Point of Sale (POS) system to scan the QR code displayed on the customer's mobile device.
  • The scanner reads the encoded information in the QR code, which typically includes the customer's wallet identifier and transaction details.

Transaction Request Initiation:

  • Once the QR code is scanned, the POS system interprets the data and initiates a payment request. This request is typically sent to Pockyt’s payment processing system.
  • The request includes necessary transaction details like the amount, merchant identifier, and customer's wallet information.

Communication with Payment Gateway:

  • Pockyt’s system, acting as a payment gateway, processes the request. It communicates with the digital wallet provider to authenticate the transaction.
  • This step ensures that the payment is authorized by the customer's digital wallet service.

Transaction Authorization and Confirmation:

  • Upon successful verification and authorization by the digital wallet service, Pockyt’s system confirms the transaction.
  • A response is sent back to the merchant’s POS system indicating the status of the transaction (e.g., successful, pending, failed).

Completing the Transaction:

  • The POS system updates the transaction status based on the response received. For a successful transaction, the sale is completed.
  • The customer receives a notification, typically on their digital wallet app, confirming the payment.

Receipt Generation (Optional):

  • The merchant can then generate a digital or printed receipt for the customer, marking the end of the transaction process.

This technical process highlights the seamless integration of QR code technology with digital wallets and POS systems, providing a quick and secure method for in-store transactions. The customer-presented QR code system is advantageous for its speed, user-friendliness, and the added security of not requiring physical card swipes or manual entry of payment details.