Patent ID: 9064252
Filing Date: 2015-06-23
Classification: G06Q,G07G

Abstract:
1. A payment method, comprising: operating a mobile application server that communicates with at least one consumer mobile device; operating a financial switch that communicates with at least one POS device; providing, performed by the mobile application server, a temporary token that is a multi-digit number displayed on the consumer mobile device; after a consumer associated with the consumer mobile device has entered the temporary token into the POS device, and after merchant personnel has swiped a merchant-side card into the POS device, receiving, by the financial switch, a set of data comprising (1) a merchant identification number read from the merchant-side card, and (2) a multi-digit number received by the POS device as entered by the consumer; the merchant personnel keeping possession of the merchant-side card during a shift, and selectively swiping the merchant-side card into the POS device when a customer indicates a certain mobile payment mode.