A digital tool that creates a scannable image, specifically a Quick Response code, which when used with a mobile payment application, facilitates the transfer of funds. This image, when scanned by another user’s device using the application, automatically populates the sender’s payment details, enabling a transaction to be initiated with ease. For example, a vendor can display this created image, allowing customers to quickly send payment without manually entering usernames or payment amounts.
The utility streamlines payment processes, offering increased efficiency and reducing the potential for errors associated with manual data entry. The implementation of these images supports contactless transactions, a feature that has become increasingly valuable for health and hygiene considerations. Historically, the development of these images for payment applications represents a shift toward more user-friendly and secure digital payment methods, moving away from traditional cash exchanges and complicated online payment portals.