Abstract: Systems, devices, apparatuses, and methods for conducting a transaction in which a consumer purchases a product or a service by providing payment to a merchant whom is not the provider of the product or service. The invention permits a consumer to present cash or a payment device (such as a credit card or debit card) to a merchant, where that merchant may be an element of a load network or payment processing network. In a typical load network transaction, the merchant would accept the cash or payment device from the consumer and use the funds provided to “load” or recharge an account of the consumer. However, instead of this use of the network, embodiments of the invention operate to allow the consumer to provide the source of payment to the merchant for a product or service offered by a third party which is accessed by the consumer using a consumer token.

Abstract: Systems, devices, apparatuses, and methods for conducting a transaction in which a consumer purchases a product or a service by providing payment to a merchant whom is not the provider of the product or service. The invention permits a consumer to present cash or a payment device (such as a credit card or debit card) to a merchant, where that merchant may be an element of a load network or payment processing network. In a typical load network transaction, the merchant would accept the cash or payment device from the consumer and use the funds provided to “load” or recharge an account of the consumer. However, instead of this use of the network, embodiments of the invention operate to allow the consumer to provide the source of payment to the merchant for a product or service offered by a third party which is accessed by the consumer using a consumer token.

Abstract: Systems, devices, apparatuses, and methods for conducting a transaction in which a consumer purchases a product or a service by providing payment to a merchant whom is not the provider of the product or service. The invention permits a consumer to present cash or a payment device (such as a credit card or debit card) to a merchant, where that merchant may be an element of a load network or payment processing network. In a typical load network transaction, the merchant would accept the cash or payment device from the consumer and use the funds provided to “load” or recharge an account of the consumer. However, instead of this use of the network, embodiments of the invention operate to allow the consumer to provide the source of payment to the merchant for a product or service offered by a third party which is accessed by the consumer using a consumer token.