Abstract: A method of creating an electronic transaction record between a customer and a merchant is presented. The method entails generating a digital payment certificate that includes the customer's biometric authentication token that is associated with a time of payment instruction from the customer to use a payment method, and generating a digital receipt signed with the digital payment certificate after executing the payment instruction using the payment method. A database of customer's biometric data and associated payment methods is maintained. If a customer's biometric authentication token does not match the stored biometric data for the payment method in the payment instruction, the payment is rejected. The method and system not only prevents fraud, it also provides a validated record of payment.

Abstract: A method of conducting a transaction between a merchant Point of Sale system (POS) and a customer device is presented. The method entails activating a web portal in response to activation of a button on the merchant POS, retrieving a list of open tabs created by customer devices that checked in, each of the open tabs being associated with a customer, receiving, from the merchant POS, a ticket ID of a ticket that is currently open on the merchant POS, presenting the list of open tabs on the merchant POS via the web portal, receiving a customer selection from the merchant POS, the selected customer being one from the list of open tabs, and associating the ticket ID with information for the selected customer.

Abstract: A method of conducting a transaction between a merchant Point of Sale system (POS) and a customer device is presented. The method entails obtaining a ticket directly from the merchant POS via a plug-in application, the ticket including a merchant identification, a customer identification, ordered items, and prices of the ordered items; activating a web portal to interface the customer device; reporting ordered items and prices to the client device, and receiving payment authorization from the customer device; generating a login token via a payment engine to contact a gateway to a financial transaction site; and in response to receiving authorization from the gateway, contacting the merchant POS to complete the transaction.

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 method of conducting a transaction between a merchant Point of Sale system (POS) and a customer device is presented. The method entails obtaining a ticket directly from the merchant POS via a plug-in application, the ticket including a merchant identification, a customer identification, ordered items, and prices of the ordered items; activating a web portal to interface the customer device; reporting ordered items and prices to the client device, and receiving payment authorization from the customer device; generating a login token via a payment engine to contact a gateway to a financial transaction site; and in response to receiving authorization from the gateway, contacting the merchant POS to complete the transaction.

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.

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.

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.