Patent ID: 9602164
Date: 2017-03-21
CPC Classifications: G06Q,H04B

Claim:
1. A method of making a pre-payment, comprising: providing a mobile wallet to a user; receiving, from the user, information populating at least one payment instrument to the mobile wallet; receiving an indication that the mobile wallet has been presented to a payment location; receiving, from the user, a pre-payment corresponding to one or more items available for purchase at the payment location using at least one payment instrument from the mobile wallet for settlement of the pre-payment, wherein the pre-payment identifies the at least one payment instrument to the payment location via the mobile wallet; in response to the pre-payment being received by the payment location, providing the user with a token to the mobile wallet, wherein the token identifies the user, the pre-payment, and the one or more items to the payment location, wherein the token includes an identifier used to identify the user, wherein the token is presented by the user via the mobile wallet upon exit from the payment location to verify that the prepayment corresponds to the one or more items; and settling the pre-payment using the one of the at least one payment instrument.