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 2D barcode containing the check image and the payment information.

1 . A method of operating a transaction terminal to complete a transaction involving items selected for purchase from a business by a customer, the method comprising:
 identifying the items selected by the customer for purchase by a transaction terminal;   determining a required payment amount for the items by the transaction terminal;   obtaining identification information from the customer by the transaction terminal;   obtaining contact information and payment information, including bank account information and bank routing number information, from a customer profile associated with the identification information by the transaction terminal;   creating a check image by the transaction terminal;   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 by the transaction terminal; and   receiving a reply message from the mobile communication device authorizing payment for the items via electronic funds transfer and including a 2D barcode containing the check image and the payment information by the transaction terminal.   
     
     
         2 . The method of  claim 1 , further comprising:
 sending the 2D barcode and the payment information with a request for the electronic funds transfer to a financial institution of the business by the transaction terminal.   
     
     
         3 . The method of  claim 1 , wherein creating comprises obtaining a check image template including fields and populating the fields with the payment information. 
     
     
         4 . The method of  claim 3 , wherein creating further comprises generating a check number to fill a check number field in the check image template. 
     
     
         5 . The method of  claim 1 , wherein obtaining identification information comprises obtaining the identification information from a loyalty card of the customer. 
     
     
         6 . The method of  claim 1 , wherein the request for payment message contains the check image and the payment information. 
     
     
         7 . The method of  claim 1 , wherein the request for payment message contains a link to the check image and the payment information. 
     
     
         8 - 12 . (canceled)