System and method of using electronic funds transfer to complete payment for goods and services

Abstract

A system and method of using Electronic Funds Transfer (EFT) to complete payment for goods and services. An example method of operating a transaction terminal includes identifying items selected by a customer for purchase, determining a required payment amount for the items, obtaining identification information from the customer, obtaining contact information and payment information, including bank account information and bank routing number information, from a customer profile associated with the identification information, creating a check image, sending a request for payment message providing access to the check image and the payment information to a mobile communication device of the customer using the contact information in the customer profile, and receiving a reply message from the mobile communication device authorizing payment for the items via electronic funds transfer and including a 2 D barcode containing the check image and the payment information.

1 - 12 . (canceled) 
     
     
         13 . A method of operating a mobile communication device of a customer to complete a transaction involving items selected for purchase from a business by the customer, the method comprising:
 receiving a request for payment message during the transaction by a mobile communication device of the customer, wherein the request for payment message provides access to a check image;   displaying by the mobile communication device a payment screen containing the check image and an authorize payment selection element;   recording customer selection using the authorize payment selection element by the mobile communication device; and   sending a reply message authorizing payment for the items via electronic funds transfer by the mobile communication device.   
     
     
         14 . The method of  claim 13 , wherein the request for payment message contains the check image. 
     
     
         15 . The method of  claim 13 , wherein the request for payment message contains a link to the check image. 
     
     
         16 . The method of  claim 13 , wherein the check image includes an amount field containing an amount of the transaction. 
     
     
         17 . The method of  claim 13 , wherein the check image includes a plurality of fields. 
     
     
         18 . The method of  claim 17 , wherein a number of the fields are completed. 
     
     
         19 . The method of  claim 13 , wherein the reply message contains a 2D barcode containing the check image.