Abstract: Systems and methods for secure purchasing are provided in which an invoice comprising an amount to be remitted and a merchant identification is generated. The invoice is transmitted to a remote invoice database. At a device associated with a consumer, the invoice identification is received. A request including the invoice identification is sent to the remote invoice database thereby retrieving information about the invoice including an amount to be remitted and a merchant identification. Responsive to receiving consumer confirmation of the invoice, an approval of the invoice is transmitted to an account database comprising at least one account corresponding to the consumer. At a device associated with the account database, after receiving invoice approval, the invoice amount is remitted to the merchant in the form of a bank check that identifies the merchant and a notification of the check and the merchant is stored in the remote account database.

Abstract: Systems and methods for secure purchasing are provided in which, at a merchant device, an invoice is generated comprising a remittance amount and a merchant identification. The invoice is associated with an invoice identification. The invoice is transmitted to a remote invoice database. At a consumer device, the invoice identification is received. A request that includes the invoice identification is transmitted to the invoice database. Information about the invoice is received from the invoice database including the remittance amount and merchant identification. The remittance amount, merchant identification, and a prompt to confirm the invoice are displayed. Responsive to receiving approval from the consumer, the invoice is transmitted to a remote account database comprising an account corresponding to the consumer. At a device associated with the remote account database, after receiving the approval of the invoice from the consumer device, the amount of the invoice is remitted to the merchant.

Abstract: Systems and methods for secure purchasing are provided in which, at a merchant device, an invoice is generated comprising a remittance amount and a merchant identification. The invoice is associated with an invoice identification. The invoice is transmitted to a remote invoice database. At a consumer device, the invoice identification is received. A request that includes the invoice identification is transmitted to the invoice database. Information about the invoice is received from the invoice database including the remittance amount and merchant identification. The remittance amount, merchant identification, and a prompt to confirm the invoice are displayed. Responsive to receiving approval from the consumer, the invoice is transmitted to a remote account database comprising an account corresponding to the consumer. At a device associated with the remote account database, after receiving the approval of the invoice from the consumer device, the amount of the invoice is remitted to the merchant.