Patent ID: 9004355
Filing Date: 2015-04-14
Classification: G06Q,G07F

Abstract:
1. A payment method comprising: identifying a payment on file at a point of sale device of a vendor corresponding to a reservation for purchase of one or more of goods and services to be provided by the vendor, the payment on file being identified based on customer information received at the point of sale device, the received customer information not including financial information of the customer, the payment on file having been previously stored and associated with payment code information, the payment on file including one or more identifiers that identify one or more of the goods, the services, and the vendor the purchase will be made with corresponding to the reservation, the payment on file being a preauthorization for the purchase including a dollar amount limit of credit that is preauthorized for the purchase, the payment on file being used so that the vendor is never provided with a customer's financial information; based on the identified payment on file, creating a ticket correlated to the payment on file, at the point of sale device of the vendor, the ticket being correlated to a profile stored in accordance with the payment on file of the customer, and the ticket including the payment code information; receiving, at the point of sale device, an indication of a checkout method of checking out from the reservation provided by the vendor, the checkout method including one or more of: subsequent to receiving indication of the checkout, the point of sale device sending the ticket to a computing device associated with the customer, the ticket indicating the one or more of goods and services provided by the vendor corresponding to the reservation and a corresponding payment to be paid, and requesting payment from the payment on file based on the payment code information, the payment being provided to the vendor without the vendor ever being provided with a customer's financial information.