System and method for facilitating secure self payment transactions of retail goods

Abstract

Disclosed herein are various embodiments for systems and methods for self-payment and verification of the purchase of retail goods and services. According to an embodiment of the invention, a method for verifying the purchase using a mobile electronic device in wireless communication with a payment verification system and a code generating system is provided, the method comprising the steps of: receiving from a consumer information identifying an item for purchase; receiving from a consumer information identifying payment means for purchasing the item for purchase; processing the information identifying the item for purchase and information identifying payment means and generating a unique QR code indicating a purchase of the item; sending the unique QR code to a mobile device for display by a consumer to the vendor of the item for purchase.

1 .- 7 . (canceled) 
     
     
         8 . A system comprising:
 a server comprising one or more processors and a non-transitory storage medium in communication with the one or more processors, the non-transitory storage medium storing instructions which, when executed by the one or more processors, cause the one or more processors to:   receive a first set of data from a mobile device, the first set of data comprising identifying information for one or more goods or services to be purchased;   receive a second set of data from the mobile device, the second set of data identifying a payment method related to the purchase of the one or more goods or services;   transmit a request for payment authorization to a payment processing system, the request for payment identifying the payment method;   receive from the payment processing system a response to the request for payment authorization indicating whether the request for payment authorization was approved;   create, in response to an approved request for payment authorization, a data record in a database, the data record representing a completed purchase of the one or more goods or services;   generate, in response to the completed purchase of the one or more goods or services via the identified payment method, a unique token, the unique token associated with said data record;   transmit the unique token to the mobile device, the mobile device configured to display the unique to enable the retailer electronic device to scan the unique token and to verify the purchase of the one or more goods or services;   receive from the retailer electronic device a request to verify the unique token in order to confirm the purchase of the goods or services; and   transmit to the retailer electronic device information indicating whether the unique token is valid.   
     
     
         9 . The system of  claim 8 , wherein the data record includes the following data:
 the goods or services purchased, the method of payment used to purchase the goods or services, the date and time of the purchase, the retailer name, the location of the transaction, and a consumer ID.   
     
     
         10 . The system of  claim 8 , wherein the unique token is in the form of a URL link or a portion thereof. 
     
     
         11 . The system of  claim 8 , wherein the step of generating in response to the purchase of said one or more goods or services via the identified payment means a unique token comprises the step of embedding in the token a link to the data record. 
     
     
         12 . The system of  claim 8 , wherein the non-transitory storage medium of the server has further instructions thereon which, when executed by the one or more processors, cause the one more processors to execute the following steps:
 determining whether any of the one or more goods or services identified in the first set of data are currently unavailable for purchase; and   transmitting a notification to the mobile device indicating whether any of the one or more goods or services identified in the first set of data are currently unavailable for purchase.   
     
     
         13 . The system of  claim 8 , wherein the first set of data is input by the consumer when the consumer is outside of the retailer location containing the goods and services, and wherein the non-transitory storage medium of the server has further instructions thereon which, when executed by the one or more processors, cause the one more processors to execute the following steps:
 creating a data entry in the data record to indicate the portion of the goods identified in the first set of data that have already been collected from the retailer by the consumer.   
     
     
         14 . The system of  claim 8 , further comprising an electronic device capable of communicating with the server, said electronic device comprising:
 one or more processors;   a wireless transceiver operable by said one or more processors; and   a non-transitory storage medium in communication with the one or more processors of the electronic device, said non-transitory storage medium having instructions thereon which, when executed by the one or more processors, cause the one or more processors to execute the steps of:   transmitting a request to the mobile device for the unique token when the electronic device is brought into sufficient proximity of the mobile device to permit wireless communication between the electronic device and the mobile device;   transmitting said unique token to the server;   receiving from the server an indication of whether said unique token communicated from the mobile device is valid; and   displaying via the electronic device whether said unique token communicated from the mobile device is valid.   
     
     
         15 . The system of  claim 8 , wherein the non-transitory storage medium of the server has further instructions thereon which, when executed by the one or more processors of the server, cause the one more processors of the server to execute the following steps:
 comparing the unique token to entries in a table containing valid purchase information; and   determining whether the unique token matches an entry in the table containing valid purchase information.   
     
     
         16 . The system of  claim 8 , wherein the unique token is in the form of a URL string. 
     
     
         17 . The system of  claim 8 , wherein the mobile device is equipped with location service functionality and wherein the non-transitory storage medium of the server has further instructions thereon which, when executed by the one or more processors of the server, cause the one more processors of the server to execute the following steps:
 receiving from the mobile device an indication that the mobile device is located near a retailer location; and   transmitting to the mobile device a notification that the device is located in or near a retailer location.   
     
     
         18 . The system of  claim 17 , wherein the step of receiving from the mobile device an indication that the mobile device is located near a retailer location is triggered by the mobile device breaching a geofence of the retailer or connecting to a wireless network of the retailer. 
     
     
         19 . The system of  claim 14 , wherein transmitting said unique token to the mobile device for use by the consumer to verify to the retailer the purchase of said one or more goods or services by communicating said unique token to the electronic device includes the retailer device optically scanning an image on the mobile device. 
     
     
         20 . The system of  claim 8 , wherein the payment means includes a coupon. 
     
     
         21 . The system of  claim 14 , wherein the electronic device includes a barcode scanner.