Patent ID: 8204825

Claim:
A system comprising: a tangible, non-transitory memory communicating with a processor for providing a payment service, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising: registering, by the processor, a merchant with a merchant center; and linking, by the processor, a virtual point of sale device and a software application configured to enable financial data to be routed to a transaction processor via the merchant center, wherein the merchant center is configured for: querying, by the processor, a database for transaction request information, wherein the database is configured to store information associated with a buyer and merchant transaction data received from the virtual point of sale device, wherein the information associated with the buyer stored in the database is inaccessible to a merchant system, and wherein the information associated with the buyer and the merchant transaction data is pre-stored in the database, wherein the merchant system does not obtain access to personal data or transaction account data of the buyer associated with the transaction request; receiving, by the processor, a response to the queried transaction request; and generating, by the processor and based on the queried transaction request response, a transaction request comprising the merchant transaction data received from the virtual point of sale device and the information associated with the buyer, wherein the transaction request is provided to a transaction server configured to process the transaction request.