Patent ID: 8770478

Claim:
A method of processing a transaction between a consumer and a merchant, the method comprising: receiving, from a remote token-generating server, a token by a device of the consumer and storing the token in a memory of the device; positioning, by the consumer, a display of the device within view of an optical scanner of a merchant checkout system capable of NFC communications; if the device is NFC enabled and within NFC range of the checkout system, (i) establishing, without action by the consumer, an NFC communication channel between the device and the checkout system, (ii) communicating, by the checkout system, over the communication channel a request to display the stored token, (iii) in response to the request, displaying, by the device, the stored token, (iv) optically reading and electronically decoding, by the checkout system, the token upon presentation thereof by the device, and (v) completing, by the checkout system, the transaction based at least in part on the decoded token information; and if the device is incapable of NFC communications, (i) in response to an action by the consumer, displaying, by the device, the stored token, (ii) optically reading and electronically decoding, by the checkout system, the token upon presentation thereof by the device, and (iii) completing, by the checkout system, the transaction based at least in part on the decoded token information.