Abstract: Embodiments may relate to a co-operable set of computer programs for making electronic payments. The set of computer programs may be adapted to run on distributed computing devices such as, without limitation, a mobile computing device, a remote server, and a point-of-sale computer system. Together the set of co-operable computer programs may be adapted to carry store a tokenized payment credential on a remote server. The remote server may coordinate with a point-of-sale computer system to open a tab in response to a command received from a mobile computing device. The mobile computing device may receive and display data associated with the tab including items ordered, and prices of items ordered. The remote server may coordinate payment of the tab with an external credit card payment processor using the tokenized payment credential, in response to a command received from the mobile computing device.

Abstract: Methods and devices for mobile payment are disclosed including initiating payment processes using a non-secure credential. A secure remote server may store certain sensitive data and may permit a consumer to use the data, for instance, in a retail transaction provided that the consumer can satisfy an authentication challenge. Authentication challenges may include, for instance, supplying PIN number, password, security code, or biometric data.