Mobile payments

Abstract

In an embodiment, a data processing method comprises a service provider computer system obtaining, from a point-of-sale (POS) computer of a merchant, ticket data comprising one or more items of a transaction ticket opened at the POS computer; matching the transaction ticket to a user account of a user of the service provider computer system; communicating the ticket data to a mobile computing device of the user based on matching the transaction ticket to the user account; receiving, from the mobile computing device, a request to pay a payment amount based upon the ticket data; and causing transfer of funds in the payment amount from a payment account of the user to a bank account of the merchant.

1 . A data processing method comprising:
 using a merchant booking computer, associating a reservation record with a location identifier, wherein the reservation record comprises a user identifier;   using a service provider computer system, obtaining the location identifier, matching a transaction ticket stored in a point-of-sale (POS) computer of a merchant to the location identifier of the reservation record, based upon obtaining one or more POS data values from the POS computer, and obtaining ticket data specifying one or more items in the transaction ticket;   based upon the user identifier and a user account that associates the user identifier with a mobile computing device identifier, communicating the ticket data to a mobile computing device using the service provider computer system;   receiving, from the mobile computing device, a request to pay a payment amount based upon the ticket data;   requesting a payment gateway computer to initiate a payment transaction in which user payment account data associated with the user account identified as payer and in which a merchant account associated with the merchant is identified as beneficiary.