Abstract: In one exemplary embodiment a computer-implemented method includes receiving a digital image of a matrix code. A user identifier associated with the digital image is received. The matrix code is identifying from the digital image. The matrix code can represent a good or a service, a price of the good or the service and/or a merchant identifier selling the good or the service. A fund is caused to be transferred from a user's account to a merchant's account. Optionally, the digital image of the matrix code can be captured by a digital camera in a mobile device of the user. The mobile device can include a user-side application that communicated the digital image and the user identifier. The fund can be obtained with a user's credit card number stored in a database.

Abstract: In one exemplary embodiment a computer-implemented method includes receiving a digital image of a matrix code. A user identifier associated with the digital image is received. The matrix code is identifying from the digital image. The matrix code can represent a good or a service, a price of the good or the service and/or a merchant identifier selling the good or the service. A fund is caused to be transferred from a user's account to a merchant's account. Optionally, the digital image of the matrix code can be captured by a digital camera in a mobile device of the user. The mobile device can include a user-side application that communicated the digital image and the user identifier. The fund can be obtained with a user's credit card number stored in a database.