Abstract: A method of conducting transactions between a customer device and a merchant device is presented. The method entails receiving login information from the customer device at a merchant venue, assigning a ticket to the customer device, receiving, from a merchant device, a predetermined amount of currency associated with the customer device, associating the predetermined amount of currency with the ticket, receiving, from the customer device, an approval to carry out a financial transaction for at least the predetermined amount of currency using a payment card number, and receiving, from a gateway, a notification that the financial transaction is completed using the payment card number.

Abstract: A system that allows for conducting merchant transactions independent of a POS system. The system employs both a merchant venue-specific website and a mobile app. A customer at the merchant venue logs into the website with his or her mobile phone, and the mobile app is automatically notified of the login. The venue keeps track of the customer's total bill amount in any way, and enters it into the mobile app, which in turn updates the website with the total amount owed. The customer can then pay his or her bill through the website, via his/her phone. In this manner, a quick and easy payment system is implemented, allowing users to pay with the card or payment method of their choice, without need for a POS system and without need for downloading or installing any additional software on their mobile device.