Patent ID: 8662384
Filing Date: 2014-03-04
Classification: G06Q

Abstract:
1. A computer-implemented method of effectuating a payment, comprising: receiving, by a computer server system, a text message from a payor comprising a payment request that corresponds to a payment intended for one of a plurality of stores that are each associated with an entity, wherein the payment request comprises a payment amount sent by a payor device operating independently of the computer server system and the plurality of stores, and wherein the payment request does not comprise information identifying a target store; determining, by the computer server system, a target store from among the plurality of stores to which the payment request is directed, wherein the target store is determined based, at least in part, on a location of the payor device when the payment request is submitted; and causing, by the computer server system, a change in a payor account associated with the payor and a payee account associated with the entity or the target store in response to the payment request.