MOBILE PAYMENTS USING PAYMENT TOKENS

A user may request a payment token from a host. The payment token may be a unique one-time use identifier linked to one or more payment accounts associated with the user. The payment token may be subject to conditions of use. To redeem the payment token, the user device may generate an image code to visually present the payment token for access by a recipient's camera. The recipient may then record the image code. The user may also provide a security identifier to the recipient. The recipient may then transmit the image code and the security identifier to the host as a payment request. The host may verify the payment request and verify compliance with any associated conditions. When the payment token is valid, funds are available, and the conditions are satisfied, then the host may transfer the funds to an account of the recipient.