Systems and Methods for Use in Facilitating Payment Account Transactions

Systems and Methods for Use in Facilitating Payment Account Transactions

Systems and methods are provided for use in facilitating payment account transactions, through consumer communication devices, at merchant locations. One exemplary method includes capturing a merchant indicator for a merchant in connection with a payment account transaction at the merchant for at le...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: Deshpande Rahul A, Shambhu Nitin, Kent, V Nevada Alpine, Cox Jeffrey Allen, Stocke Matthew R, Javiya Neeraj, Boling Stewart J
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:Systems and methods are provided for use in facilitating payment account transactions, through consumer communication devices, at merchant locations. One exemplary method includes capturing a merchant indicator for a merchant in connection with a payment account transaction at the merchant for at least one product and receiving a checkout token for the payment account transaction from a person-to-merchant (P2M) engine. The checkout token is based, at least in part, on the captured merchant indicator. The method further includes transmitting a request for the payment account transaction at the merchant, where the request includes the checkout token, and whereby the consumer is permitted to purchase one or more products from the merchant, using the consumer's communication device and without interacting with a point-of-sale (POS) terminal.