Confirming local marketplace transaction consummation for online payment consummation

Abstract

Exemplary embodiment of the present invention would provide systems, including Internet-based systems, and computer-implemented methods, for providing online Buyers and Sellers who physically transact an exchange of an item at a local meeting place, indicia of confirmation of the exchange on which to base a background online payment. In particular, exemplary embodiments of the present invention would provide a way for Buyers and/or Sellers to input an identifier for online authentication to confirm that a physical exchange of an item sold had been transacted and that would accordingly provide an online system with a basis to charge the relevant Buyer's account for a sale amount and pay the Seller for the item sold.

What is claimed is: 
     
         1 . An Internet-based computer system for confirming that a proposed sale transaction has been consummated, said Internet-based computer system including a payment processor system comprising at least one computer device programmed to:
 receive a buyer's payment information and store said payment information;   prior to a sale of an at least one item associated with an online store of a seller to said buyer, receive, at said payment processor system, a request transmitted from a buyer computer device for said buyer to be able to purchase at least one item offered for sale by said online store;   in response to said request, generate a transaction-specific buyer acceptance identifier comprising a combination of human-readable characters;   provide said transaction-specific buyer acceptance identifier to said buyer computer device;   store in computer-accessible memory associated with said payment processor system a record comprising a relationship between said transaction-specific buyer acceptance identifier, a buyer-specific identifier, and a seller-specific identifier;   receive from a seller computer device an identifier of the transaction, an identifier of the buyer, and an identifier of the seller;   compare the identifier of the transaction with the transaction-specific buyer acceptance identifier;   compare the identifier of the buyer with the buyer-specific identifier;   compare the identifier of the seller with the seller-specific identifier; and   if said identifier of the transaction corresponds to the transaction-specific buyer acceptance identifier, said identifier of the buyer corresponds to the buyer-specific identifier, and said identifier of the seller corresponds to the seller-specific identifier, charge an account associated with the buyer for an amount associated with the request to purchase at least one item offered for sale by said online store;   wherein the payment information is reused for at least one subsequent transaction; and   wherein providing said transaction-specific buyer acceptance identifier comprises providing at least one of a text message and a Personal Identification Number (PIN).   
     
     
         2 . The system of  claim 1 , wherein the payment information comprises at least one of an account number, credit card payment information, debit card payment information, a bank identifier, or buyer identification information. 
     
     
         3 . The system of  claim 1 , wherein said buyer computer device is a buyer mobile device. 
     
     
         4 . The system of  claim 1 , wherein said payment processor system is implemented on a website of the online store. 
     
     
         5 . The system of  claim 1 , wherein the payment information is reused for at least one subsequent transaction. 
     
     
         6 . A computer implemented method for confirming that a proposed sale transaction has been consummated, performed by a payment processor system, the method comprising:
 receiving a buyer's payment information and storing said payment information;   prior to a sale of an at least one item associated with an online store of a seller to said buyer, receiving at said payment processor system a request transmitted from a buyer computer device for said buyer to be able to purchase at least one item offered for sale by said online store;   in response to said request, generating a transaction-specific buyer acceptance identifier comprising a combination of human-readable characters;   sending said transaction-specific buyer acceptance identifier as a text message, which comprises a Personal Identification Number (PIN), to a mobile device of said buyer, wherein said mobile device of said buyer and said buyer computer device may be the same or different;   storing in computer-accessible memory, associated with said payment processor system, a record comprising a relationship between said transaction-specific buyer acceptance identifier, a buyer-specific identifier, and a seller-specific identifier; receiving from a seller computer device an identifier of the transaction, an identifier of the buyer, and an identifier of the seller,   comparing the identifier of the transaction with the transaction-specific buyer acceptance identifier;   comparing the identifier of the buyer with the buyer-specific identifier;   comparing the identifier of the seller with the seller-specific identifier; and   if said identifier of the transaction corresponds to the transaction-specific buyer acceptance identifier, said identifier of the buyer corresponds to the buyer-specific identifier, and said identifier of the seller corresponds to the seller-specific identifier, charging an account associated with the buyer for an amount associated with the request to purchase at least one item offered for sale by said online store;   wherein the payment information is reused for at least one subsequent transaction; and   wherein providing said transaction-specific buyer acceptance identifier comprises providing at least one of a text message and a Personal Identification Number (PIN).   
     
     
         7 . A computer implemented method for confirming that a proposed sale transaction has been consummated, performed by a payment processor system, the method comprising:
 receiving a buyer's payment information and storing said payment information;   prior to a sale of an at least one item associated with an online store of a seller to said buyer, receiving at said payment processor system a request transmitted from a buyer computer device for said buyer to be able to purchase at least one item offered for sale by said online store;   in response to said request, generating a transaction-specific buyer acceptance identifier comprising a combination of human-readable characters;   sending said transaction-specific buyer acceptance identifier as a text message, which comprises a Personal Identification Number (PIN), to a mobile device of said buyer, wherein said mobile device of said buyer and said buyer computer device may be the same or different;   storing in computer-accessible memory, associated with said payment processor system, a record comprising a relationship between said transaction-specific buyer acceptance identifier, a buyer-specific identifier, and a seller-specific identifier;   receiving from a seller computer device an identifier of the transaction, an identifier of the buyer, and an identifier of the seller; comparing the identifier of the transaction with the transaction-specific buyer acceptance identifier;   comparing the identifier of the buyer with the buyer-specific identifier;   comparing the identifier of the seller with the seller-specific identifier; and   if said identifier of the transaction corresponds to the transaction-specific buyer acceptance identifier, said identifier of the buyer corresponds to the buyer-specific identifier, and said identifier of the seller corresponds to the seller-specific identifier, charging an account associated with the buyer for an amount associated with the request to purchase at least one item offered for sale by said online store.