| 主权项 |
1. A computer-implemented method, the method comprising:
establishing, by a payment system, a user account for a customer, the user account associated with a user application running on a user device, and the user application acquiring information for one or more financial accounts of the customer, the information for one or more financial accounts being stored securely by the payment system in a user database; establishing, by the payment system, a merchant account for a merchant restaurant, the merchant account associated with a merchant application running on a merchant device, and the merchant application acquiring information for one or more financial accounts of the merchant restaurant, the information for the one or more financial accounts of the merchant restaurant being stored securely by the payment system in a merchant database; accepting, by the payment system, an electronic reservation for the customer at the merchant restaurant in response to a reservation request received from the user interacting with the user application running on the user device; detecting, by the payment system, that the user is present at a location associated with the merchant restaurant based at least in part on an indication received, by the payment system, from the user application running on the user device; determining, by the payment system, a completion of a service for the customer at the merchant restaurant associated with the electronic reservation by receiving a confirmation of the completion of the service from at least one of: the user application and the merchant application; receiving, by the payment system and from the merchant application, a list of items purchased during the service at the merchant restaurant; providing, by the payment system, an electronic bill for the service to the user application to be displayed on the mobile device of the user, the electronic bill including the list of items purchased at the merchant restaurant; receiving, by the payment system, an authorization to pay the electronic bill from the user application running on the mobile device of the user; and transferring funds, by the payment system, from the one or more financial accounts of the user to the one or more financial accounts of the merchant account for at least an amount disclosed in the electronic bill. |
