Abstract: Systems for encoding resource access credentials in barcodes displayed on user devices, such as mobile phones, are described. A resource access credential authorising payment for a transaction relating to the purchase of goods or services is obtained, and a barcode encoding barcode data is generated, including at least a purchasing entity identifier, the resource access credential, and a user supplied transaction identifier. The barcode is displayed on the display of the user device, and read by an optical reader of merchant computing system. The merchant computing system requests payment for the transaction using the resource access credential, and produces a transaction data packet containing transaction data relating to the transaction, together with at least the purchasing entity identifier and user supplied transaction identifier.

Abstract: Systems for encoding resource access credentials in barcodes displayed on user devices, such as mobile phones, are described. A resource access credential authorising payment for a transaction relating to the purchase of goods or services is obtained, and a barcode encoding barcode data is generated, including at least a purchasing entity identifier, the resource access credential, and a user supplied transaction identifier. The barcode is displayed on the display of the user device, and read by an optical reader of merchant computing system. The merchant computing system requests payment for the transaction using the resource access credential, and produces a transaction data packet containing transaction data relating to the transaction, together with at least the purchasing entity identifier and user supplied transaction identifier.

Abstract: A merchant computing system and a transaction processing computing system are disclosed. The merchant computing system produces a transaction data packet containing transaction data relating to the purchase of goods or services. The merchant computing system configured to receive a purchasing entity identified and user supplied transaction identifier for inclusion in the transaction data packet. The transaction processing computer system receives the transaction data packet from the merchant computing system.

Abstract: A method for facilitating payment transaction reconciliation is provided. The method includes receiving a purchasing entity identifier at a point of sale. Payment transaction information associated with the purchase, and the purchasing entity identifier, are transmitted to a financial institution providing the payment service used to make the purchase. Merchant transaction information is also transmitted to the financial institution, with the purchasing entity identifier, to be recorded against the payment transaction information.

Abstract: A method for facilitating payment transaction reconciliation is provided. The method includes receiving a purchasing entity identifier at a point of sale. Payment transaction information associated with the purchase, and the purchasing entity identifier, are transmitted to a fmancial institution providing the payment service used to make the purchase. Merchant transaction information is also transmitted to the financial institution, with the purchasing entity identifier, to be recorded against the payment transaction information.