Abstract: In one embodiment, a method for a payment application web server includes (1) allowing a user to (a) select, using a first device, a set of items for purchase from a merchant and select to pay the merchant using a hub-operator service, (2) receiving from the first device, first information including a unique identifier associated with a mobile device and the user (3) providing to the mobile device, using the unique identifier, second information identifying the set of items, the merchant, and a transaction to pay the merchant for the set of items using the hub operator, (4) prompting the user to approve the transaction using the mobile device, (5) providing to a payment-system back-end, third information identifying the transaction, for authorization of the transaction by the payment-system back-end, and (6) providing notification of the authorization of the transaction to the mobile device, the first device, and the merchant.