System and method for facilitating cash payment transactions using a mobile device

Abstract

Disclosed herein are systems and methods for facilitating transactions between a merchant-partner and an end-user. In one embodiment, a service provider: (a) stages a transaction between a merchant and a consumer; (b) creates a transaction-specific unique reference locator (URL) linked to a transaction-specific web page; and (c) sends the transaction-specific URL to the consumer's mobile device. Whereupon the consumer clicks on the transaction specific URL on their mobile device, the service provider displays a token ID on the transaction-specific web page. The token ID is linked to the staged transaction and is used to initiate data communication between a point-of-sale (POS) terminal and the service provider's processing unit. The service provider can then: receive confirmation that the consumer has presented the token ID and a payment to the POS terminal; display a transaction receipt on the transaction-specific web page; and/or notify the merchant that the consumer has provided the payment.

1 .- 22 . (canceled) 
     
     
         23 . A method for facilitating a payment between an online merchant and a consumer, wherein the consumer provides a purchase request on a web-based interface, and wherein the consumer provides the payment for the purchase request at a point-of-sale terminal that is local to the consumer and remote to the merchant, the method comprising:
 receiving with a communications interface of a service provider system the purchase request made on the web-based interface;   generating with a processor of the service provider system transaction instructions for the purchase request;   receiving with the communications interface of the service provider system contact information for the consumer;   linking with the processor of the service provider system the consumer's contact information to the transaction instructions;   creating with the processor of the service provider system a transaction-specific page;   updating with the processor of the service provider system the transaction-specific page with instructions for the consumer on how to provide the payment for the purchase request at the point-of-sale terminal;   transmitting with the communications interface of the service provider system the transaction-specific page to the consumer at the consumer's contact information and causing the web-based interface to display the transaction-specific page;   generating with the processor of the service provider system a token ID;   linking with the processor of the service provider system the token ID to the transaction instructions;   updating with the processor of the service provider system the transaction-specific page to display the token ID;   receiving with the communications interface of the service provider system confirmation that the consumer presented the token ID and the payment to the point-of-sale terminal;   verifying with the processor of the service provider system that the payment is in accordance with the transaction instructions; and   updating with the processor of the service provider system the transaction-specific page to display a transaction receipt confirming the payment at the point-of-sale.   
     
     
         24 . The method of  claim 23 , further comprising notifying with the communicators interface of the service provider system the merchant that the consumer has provided the payment. 
     
     
         25 . The method of  claim 23 , wherein the token ID is in a form selected from the group consisting of: a barcode, a pin number, and a quick response (QR) code. 
     
     
         26 . The method of  claim 25 , further comprising receiving with the processor of the service provider system the consumer's selection of the point-of-sale terminal on the web-based interface and selecting with the processor of the service provider system the form of the token ID based on the point-of-sale terminal. 
     
     
         27 . The method of  claim 23 , further comprising:
 receiving with the communications interface of the service provider system geolocation information from the consumer;   identifying with the processor of the service provider system the point-of-sale based on the geolocation information; and   updating with the processor of the service provider system the transaction-specific page to display the address of the point-of-sale.   
     
     
         28 . The method of  claim 27 , wherein the token ID is in a form selected from the group consisting of: a barcode, a pin number, and a quick response (QR) code. 
     
     
         29 . The method of  claim 28 , further comprising selecting with the processor of the service provider system the form of the token ID based on the point-of-sale terminal. 
     
     
         30 . A method for facilitating a payment between ma online merchant and a consumer, wherein the consumer provides a payment request through a mobile application on a mobile device for payment at a point-of-sale terminal that is local to the consumer and remote to the merchant, the method comprising:
 receiving with a communications interface of a service provider system the payment request made through the mobile application on the mobile device;   generating with a processor of the service provider system transaction instructions for the payment request;   receiving with the communications interface of the service provider system the consumer's contact information;   linking with the processor of the service provider system the consumer's contact information to the transaction instructions;   creating with the processor of the service provider system transaction-specific page instructions for the mobile application;   transmitting with the communications interface of the service provider system the transaction-specific page instructions to the consumer at the consumer's contact information;   updating with the processor of the service provider system the transaction-specific page instructions to cause the mobile device to display instructions to the consumer on bow to provide the payment for the purchase request at the point-of-sale terminal;   generating with the processor of the service provider system a token ID;   linking with the processor of the service provider system the token ID to the transaction instructions;   updating with the processor of the service provider system the transaction-specific page instructions to cause the mobile device to display the token ID;   receiving with the communications interface of the service provider system confirmation that the consumer presented the token ID and the payment to the point-of-sale terminal;   verifying with the processor of the service provider system that the payment is in accordance with the transaction instructions; and   updating with the processor of the service provider system the transaction-specific page instructions to cause the mobile device to display a transaction receipt confirming the payment at the point-of-sale.   
     
     
         31 . The method of  claim 30 , further comprising notifying with the communications interface of the service provider system the merchant that the consumer has provided the payment. 
     
     
         32 . The method of  claim 30 , wherein the token ID is in a form selected from the group consisting of: a barcode, a pin number, and a quick response (QR) code. 
     
     
         33 . The method of  claim 32 , further comprising selecting with the processor of the service provider system the form of the token ID based on the point-of-sale terminal. 
     
     
         34 . The method of  claim 30 , further comprising:
 receiving with the communications interface of the service provider system geolocation information from the mobile device;   identifying with the processor of the service provider system the point-of-sale based on the geolocation information; and   updating with the processor of the service provider system the transaction-specific web page to display the address of the point-of-sale.   
     
     
         35 . The method of  claim 34 , wherein the token ID is in a form selected from the group consisting of: a barcode, a pin number, and a quick response (QR) code. 
     
     
         36 . The method of  claim 35 , further comprising selecting with the processor of the service provider system the form of the token ID bred on the point-of-sale terminal. 
     
     
         37 . A method for facilitating a payment between a consumer and a remote payee, wherein the consumer provides a payment request on a web-based interface to make the payment at a point-of-sale terminal that is local to the consumer, the method comprising:
 receiving with a communications interface of a service provider system the payment request made on the web-based interface;   generating with a processor of the service provider system transaction instructions for the payment request;   receiving with the communications interface of the service provider system contact information for the consumer;   linking with the processor of the service provider system the contact information to the transaction instructions;   causing with the processor of the service provider system the web-based interface to display of a portion of the transaction instructions including how to provide the payment for the payment request at the point-of-sale terminal;   generating with the processor of the service provider system a token ID;   linking with the processor of the service provider system the token ID to the transaction instructions;   causing with the processor of the service provider system the web-based interface to display the token ID;   receiving with the communications interface of the service provider system confirmation that the consumer presented the token ID and the payment to the point-of-sale terminal;   verifying with the processor of the service provider system that the payment is in accordance with the transaction instructions; and   causing with the processor of the service provider system the web-based interface to display a transaction receipt confirming the payment at the point-of-sale.   
     
     
         38 . The method of  claim 37 , further comprising notifying with the communication interface of the service provider system the payee that the consumer has provided the payment. 
     
     
         39 . The method of  claim 37 , wherein the token ID is in a form selected from the group consisting of: a barcode, a pin number, and a quick response (QR) code. 
     
     
         40 . The method of  claim 39 , Author comprising receiving with the processor of the service provider system the consumer's selection of the point-of-sale terminal on the web-based interface and selecting with the processor of the service provider system the form of the token ID based on the point-of-sale terminal. 
     
     
         41 . The method of  claim 37 , further comprising:
 receiving with the communications interface of the service provider system geolocation information from the consumer;   identifying with the processor of the service provider system the point-of-sale based on the geolocation information; and   updating with the processor of the service provider system the transaction-specific page to display the address of the point-of-sale.   
     
     
         42 . A method for facilitating a payment from a consumer to a remote payee, wherein the consumer provides a payment request though a mobile application on a mobile device for payment at a point-of-sale terminal, the method comprising:
 receiving with a communications interface of a service provider system the payment request made through the mobile application on the mobile device;   generating with a processor of the service provider system transaction instructions for the payment request;   receiving with the communications interface of the service provider system the mobile device contact information;   linking with the processor of the service provider system the mobile device contact information to the transaction instructions;   crating with the processor of the service provider system transaction-specific page instructions for the mobile application;   transmitting with the communications interface of the service provider system the transaction-specific page instructions to the consumer at the mobile device contact information;   generating with the processor of the service provider system a token ID;   linking with the processor of the service provider system the token ID to the transaction instructions;   updating with the processor of the service provider system the transaction-specific page instructions to cause the mobile device to display the token ID;   receiving with the communications interface of the service provider system confirmation that the consumer presented the token ID and the payment to the point-of-sale terminal;   verifying with the processor of the service provider system that the payment is in accordance with the transaction instructions; and   updating with the processor of the service provider system the transaction-specific page instructions to cause the mobile device to display a transaction receipt confirming the payment at the point-of-sale.