ACCOUNT ACCESS AT POINT OF SALE

摘要

A user makes a payment at a POS by entering the user's phone number (either through a keypad or via a card swipe) and PIN into a POS device (such as through a keypad). That information is communicated to a payment provider, who can then access the user's account, determine whether to approve or deny the payment, and notify the merchant of the decision.

主权项

1. A system comprising:
a hardware memory storing user account information, wherein the information comprises an account identifier and a PIN for a user; and one or more processors for
receiving a user identifier from the user at the POS;receiving a PIN or password entered by the user at the POS;receiving information about a merchant at the POS;accessing an account of the user with the payment provider;communicating, to the merchant, any value items for the financial transaction;receiving information about the transaction, including a total amount; andnotifying the merchant whether to approve the total amount for the transaction.