Patent ID: 8538891

Claim:
A computer-based system comprising a client computer-based system and a merchant computer, wherein said client computer-based system comprises: a client computer processor for facilitating transactions, a tangible, non-transitory memory communicating with said processor, said tangible, non-transitory memory having instructions stored thereon that, in response to execution by said processor, cause said processor to perform operations comprising: transmitting, by said client computer-based system and to said merchant computer, a request to facilitate a transaction with said merchant computer; sending, by said client computer-based system and to said merchant computer, an indication of a presence of a smart card reader in communication with said client computer-based system; receiving, by said client computer-based system and from said merchant computer, a payment option for using a smart card for payment, wherein said receiving is in response to said merchant computer detecting a presence of a smart card reader in communication with said client computer-based system, and transmitting, by said client computer-based system, a selection of said payment option to facilitate completion of a transaction.