Patent ID: 9741026
Date: 2017-08-22
CPC Classifications: G06Q

Claim:
1. A method of processing a payment transaction on behalf of a customer by use of an identifier associated with the customer, comprising: receiving, from a first merchant system of a first merchant and by a payment service system (PSS), first transaction information associated with a first payment transaction between the customer and the first merchant, the first payment transaction involving a swipe of a payment card, associated with the customer, through a card reader of a first physical point-of-sale (POS) device associated with the first merchant system, the first transaction information including payment card information associated with the payment card; receiving, from the first merchant system and by the PSS, contact information associated with the customer and the identifier associated with the customer, the contact information and the identifier being provided by the customer at a user interface of the first physical POS device associated with the first merchant system; sending, by the PSS, a confirmation request to a customer device operated by the customer using the contact information, the confirmation request configured to prompt the customer for a confirmation of the identifier via the customer device; responsive to receiving the confirmation of the identifier from the customer device, storing, by the PSS, an association between the identifier, the contact information, and the payment card information; receiving, from a second merchant system of a second merchant and by the PSS, the identifier associated with the customer, the identifier being provided by the customer at a user interface of a second physical POS device associated with the second merchant system, wherein the identifier is provided in lieu of the payment card or the payment card information to initiate a second payment transaction with the second merchant; identifying, by the PSS, the payment card and the contact information associated with the customer based on the stored association between the identifier, the contact information, and the payment card information identifying the payment card; transmitting, by the PSS, a transaction confirmation request to the customer device using the contact information, the transaction confirmation request configured to prompt the customer to confirm or cancel the second payment transaction via the customer device; receiving, by the PSS, a confirmation response from the customer device confirming the second payment transaction; and responsive to receiving the confirmation response, executing a transfer of a payment amount, associated with the second payment transaction, from a financial account associated with the identified payment card to a financial account associated with the second merchant system to pay for the second payment transaction.