Patent attributes
A computer-implemented system and method includes receiving a request to perform a transaction between a merchant and a user having a mobile device and an account at a financial institution, determining a first location of the user based on a location of the mobile device, determining a second location of the user based on a location of the merchant, comparing the first and second location to ensure a match, receiving an identifier, the identifier being embedded in a code displayable on the mobile device, and transmitting an indication that the transaction has been completed, the transaction being completed based on the identifier and based on the match of the first and second location.