Patent ID: 8527360
Filing Date: 2013-09-03
Classification: G06Q

Abstract:
1. A method of eliminating the need to wait in line to conduct a payment transaction in a retail establishment, said method comprising: invoking, by a shopper, an application in a communications device that causes the device to display a list of different retail establishments, the device being operated by, and designated by, the shopper for conducting payment transactions; identifying a merchant system to be used for conducting the payment transaction by selecting, by the shopper, a retail establishment from the list; selecting, by the device, a service provider user identifier associated with the selected retail establishment for conducting the transaction; initiating the payment transaction with the device; entering a machine readable code from at least one good with the device; determining a price of the at least one good and a total payment transaction cost; displaying the total payment transaction cost on the device; determining whether to approve payment for the electronic payment transaction; authenticating the shopper; and completing the electronic payment transaction in the retail establishment and transmitting a transaction complete message to the device after successfully authenticating the shopper.