Patent ID: 8561892

Claim:
A method of completing a transaction with a payment terminal, comprising: the payment terminal transmitting to a network gateway via a first communications network a transaction proposal identifying a proposed transaction with a network device, and receiving from the network gateway a transaction proposal response in response to the transaction proposal, the transaction proposal response specifying a pointer to the proposed transaction, the network gateway being configured to authenticate to the network device via a second communications network comprising the network device; the payment terminal transmitting over a payment network distinct from the communications networks payment particulars for the proposed transaction, and receiving from the payment network a payment confirmation in response to the payment particulars; and in accordance with the payment confirmation, the payment terminal initiating completion of the proposed transaction by generating a transaction completion request and transmitting the transaction completion request to the network device via the network gateway, the transaction completion request including the pointer and requesting completion of the proposed transaction with the network device, wherein the payment terminal generates the transaction proposal from a credential, and generates the transaction completion request from the credential and the transaction pointer.