Payment Program for Use in Point-of-Sale Transactions

摘要

In some embodiments, the present application relates to card-free programs provided by a merchant to a customer, whereby the customer has access to functions such as payment options and/or loyalty program benefits without needing to present a physical card at a point of sale. For example, a customer may make a card-free purchase of goods or services from a merchant, whereby the customer need not present a card such as a debit card, credit card, loyalty card, or other physical tender to make a purchase. Further, the customer need not provide biometric data or otherwise use an electronic device or identifier to make a purchase. Alternatively or additionally, the customer may access a loyalty program without needing to provide a physical card or data associated with a card.

主权项

1. A method of receiving payment by a merchant for goods purchased by a customer, facilitated by a merchant's computer system, comprising:
(a) receiving from the customer at a point of sale, via a merchant's computer system input device, data consisting of a unique identification number and security code, wherein the unique identification number and security code is provided via customer mnemonic transfer; and (b) associating, by the merchant's computer system, the data with account information previously provided by the customer such that the customer may pay for goods purchased from the merchant via an ACH transaction from an account.