Patent ID: 8874480
Filing Date: 2014-10-28
Classification: G06Q

Abstract:
1. A system, comprising: at least one memory storing computer-executable instructions; and at least one processor configured to access the at least one memory and to execute the computer-executable instructions to: receive an indication of a request by an unbanked consumer to submit a payment for an online purchase of at least one good or service from a merchant via an offline mechanism that is independent from an online mechanism via which the online purchase is made; identify a confirmation number that uniquely identifies an order associated with the online purchase; transmit, for presentation to the unbanked consumer, the confirmation number and payment instructions, wherein the payment instructions comprise instructions for submitting the payment and the confirmation number via the offline mechanism, wherein the offline mechanism comprises one of: i) an ATM of a financial institution, ii) a payment kiosk of the financial institution or iii) a teller of the financial institution, and wherein the payment is linked to the order based at least in part on the confirmation number; and transmit the confirmation number to the merchant.