Patent ID: 9626701
Date: 2017-04-18
CPC Classifications: G06Q

Claim:
1. A method for facilitating a payment between an online merchant and a consumer, wherein the consumer provides a purchase request on a mobile device, and wherein the consumer provides the payment for the purchase request at a point-of-sale terminal that is local to the consumer and remote to the merchant, the method comprising: receiving with a communications interface of a service provider system the purchase request made on the mobile device; generating with a processor of the service provider system transaction instructions for the purchase request; receiving with the communications interface of the service provider system the consumer's mobile phone number; linking with the processor of the service provider system the consumer's mobile phone number to the transaction instructions; creating with the processor of the service provider system a transaction-specific unique reference locator linked to a transaction-specific web page; updating with the processor of the service provider system the transaction-specific web page to display instructions to the consumer on how to provide the payment for the purchase request at the point-of-sale terminal; transmitting with the communications interface of the service provider system the transaction-specific unique reference locator to the consumer at the consumer's mobile telephone number; generating with the processor of the service provider system a token ID; linking with the processor of the service provider system the token ID to the transaction instructions; updating with the processor of the service provider system the transaction-specific web page to display the token ID; receiving with the communications interface of the service provider system confirmation that the consumer presented the token ID and the payment to the point-of-sale terminal; verifying with the processor of the service provider system that the payment is in accordance with the transaction instructions; and updating with the processor of the service provider system the transaction-specific web page to display a transaction receipt confirming the payment at the point-of-sale.