Abstract: A tip can be provided to an individual using a smart phone. A smart phone can be configured with an application that scans a code that can be worn by a service individual. The code can uniquely identify the service individual including the service individual's account. The application can also be configured with the user's payment account information to enable the application to initiate the transfer of a tip from the user's payment account to the service individual's account when the service individual's code is scanned. Accordingly, the user only needs to scan the code to provide a tip to the service individual. In this way, a tip of virtually any amount can be provided quickly and easily even when the user does not have any cash.