System and Method for Facilitating Secure Self Payment Transactions of Retail Goods

摘要

Disclosed herein are various embodiments for systems and methods for self-payment and verification of the purchase of retail goods and services. According to an embodiment of the invention, a method for verifying the purchase using a mobile electronic device in wireless communication with a payment verification system and a code generating system is provided, the method comprising the steps of: receiving from a consumer information identifying an item for purchase; receiving from a consumer information identifying payment means for purchasing the item for purchase; processing the information identifying the item for purchase and information identifying payment means and generating a unique QR code indicating a purchase of the item; sending the unique QR code to a mobile device for display by a consumer to the vendor of the item for purchase.

主权项

1. A computer-implemented method for verifying the purchase of goods and services between a consumer and a retailer, said consumer having a mobile device capable of communicating with a server, and said retailer having an electronic device capable of communicating with the server and with the mobile device, the method comprising the following steps:
receiving a first set of data from the mobile device, said first set of data comprising identifying information for one or more goods or services to be purchased; receiving a second set of data from the mobile device, said second set of data identifying payment means for the consumer's purchase of said one or more goods or services; transmitting a request for payment authorization to a payment processing system, said request for payment identifying said payment means; receiving from the payment processing system a response to the request for payment authorization indicating whether or not the request for payment authorization was approved; creating in response to an approved request for payment authorization a data record in a database representing the consumer's completed purchase of said one or more goods or services; generating in response to the completed purchase of said one or more goods or services via the identified payment means a unique token, said unique token associated with said data record; transmitting said unique token to the mobile device for use by the consumer to verify to the retailer the purchase of said one or more goods or services by wirelessly transmitting said unique token to a retailer electronic device; receiving from the retailer electronic device a request to verify the unique token wirelessly transmitted from the mobile device in order to confirm the consumer's purchase of said goods or services; transmitting to the retailer electronic device information indicating whether the unique token is valid; and wherein the steps of receiving the first set of data, receiving the second set of data, transmitting a request for payment authorization, creating the data record, generating said unique token, transmitting said unique token, receiving a request to verify the unique token, and transmitting information indicating whether the unique token is valid are performed by the server.