公开(公告)号：US20170262832A1

公开(公告)日：2017-09-14

申请号：US15454502

申请日：2017-03-09

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rahul A. Deshpande ,  Matthew R. Stocke ,  Jeffrey Allen Cox ,  Stewart J. Boling ,  Nevada Alpine Kent, V ,  Neeraj Javiya ,  Nitin Shambhu

IPC: G06Q20/22 ,  G06Q20/32

CPC classification number: G06Q20/223 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/36 ,  G06Q20/367 ,  G07F7/0886

Abstract: Systems and methods are provided for use in facilitating payment account transactions, through consumer communication devices, at merchant locations. One exemplary method includes capturing a merchant indicator for a merchant in connection with a payment account transaction at the merchant for at least one product and receiving a checkout token for the payment account transaction from a person-to-merchant (P2M) engine. The checkout token is based, at least in part, on the captured merchant indicator. The method further includes transmitting a request for the payment account transaction at the merchant, where the request includes the checkout token, and whereby the consumer is permitted to purchase one or more products from the merchant, using the consumer's communication device and without interacting with a point-of-sale (POS) terminal.