Patent ID: 9633362
Date: 2017-04-25
CPC Classifications: G06Q

Claim:
1. A method, comprising: presenting, by a computer based system, a plurality of selectable channels to a user system of a user; syncing, by the computer based system, a financial transaction account associated with the user with one or more channels of the plurality of selectable channels selected by the user, receiving, by the computer based system and from the channel, reservation information representative of a reservation of an item from a merchant system; associating, by the computer based system and in response to the receiving, a unique identifier with the reservation information; enabling, by the computer based system and in response to the associating, access to the reservation information by using the unique identifier, synching, by the computer based system and in response to the receiving, the reservation information with the financial transaction account, creating, by the computer based system, reservation instructions for the item that indicate that the item is reserved as a reserved item for the user associated with the channel profile and the financial transaction account, receiving, by the computer based system and in response to an indication that the reserved item was used, purchase instructions with a request to initiate a payment within the channel, generating, by the computer based system, release instructions for the item in response to the receiving the request to initiate the payment, evaluating, by the computer based system, the purchase instructions received through the channel, the request to initiate payment received through the channel, the financial transaction account synched with the channel and the reservation instructions received through the channel; confirming, by the computer based system and based on the evaluating, that the purchase instructions comply with the reservation instructions; requesting, by the computer based system, a review of the reserved item; confirming, by the computer based system and in response to the requesting, that the reserved item conforms to the reservation information and the financial transaction account; initiating, by the computer based system and based on the confirming that the purchase instructions comply and based on the confirming that the reserved item conforms, a financial transaction in response to the indication that the reserved item has been used and the receiving the financial transaction information.