Server for transaction handoff and completion employing ephemeral token
A server includes: a database that registers a payment instrument, associates the instrument with ephemeral tokens, and stores a payment token that associates the ephemeral tokens with the instrument in a record along with an identifier for a device; a communication circuit, that receives transaction details from a POS terminal, transmits one of the ephemeral tokens to the device, and receives the one of the ephemeral tokens from the POS terminal; and a code segment, that employs the payment token to access the identifier in the record, directs the communication circuit to send a push notification, and, upon execution of the proprietary application on the device, directs the communication circuit to transmit transaction details to the POS terminal and the device, receives transaction data from the device, completes the transaction, and directs the communication circuit to notify the POS terminal that the transaction is complete.
1. A method for handoff of a transaction for completion, the method comprising:
via a server, facilitating the handoff of the transaction, the facilitating comprising:
registering payment instrument data corresponding to a payment instrument;
associating the payment instrument data with an ephemeral transaction authorization token;
storing a payment token that associates the ephemeral transaction token with the payment instrument data in a payment token database record along with a push notification device identifier that corresponds to a guest device;
receiving details of the transaction from a point-of-sale (POS) terminal;
transmitting the ephemeral transaction authorization token to the guest device wherein the ephemeral transaction authorization token is valid to authorize handoff of the transaction for completion for a prescribed period of time;
after the ephemeral transaction authorization token is presented by the guest device and read by the POS terminal, receiving the ephemeral transaction authorization token from the POS terminal;
employing the payment token to send a push notification to the guest device using the push notification device identifier;
upon acceptance of the push notification by the guest device, transmitting details for the transaction that cause the guest device to simultaneously display what is being displayed on the POS terminal;
receiving transaction completion data from the guest device;
completing the transaction; and
notifying the POS terminal that the transaction is complete.
2. The method as recited in claim 1 , wherein the payment instrument data comprises a credit card number.
3. The method as recited in claim 1 , wherein the payment instrument data comprises a gift card number.
4. The method as recited in claim 1 , wherein the guest device comprises a smart phone.
5. The method as recited in claim 1 , wherein the guest device comprises a smart tablet.
6. The method as recited in claim 1 , wherein the transaction completion data comprises a tip amount.
7. The method as recited in claim 1 , wherein the prescribed period of time comprises 2 hours.
8. A non-transitory computer-readable storage medium storing program instructions that, when executed by a computer, cause the computer to perform a method for handoff of a transaction for completion, the method comprising:
via a server, facilitating the handoff of the transaction, the facilitating comprising:
registering payment instrument data corresponding to a payment instrument;
associating the payment instrument data with an ephemeral transaction authorization token;
storing a payment token that associates the ephemeral transaction token with the payment instrument data in a payment token database record along with a push notification device identifier that corresponds to a guest device;
receiving details of the transaction from a point-of-sale (POS) terminal;
transmitting the ephemeral transaction authorization token to the guest device wherein the ephemeral transaction authorization token is valid to authorize handoff of the transaction for completion for a prescribed period of time;
after the ephemeral transaction authorization token is presented by the guest device and read by the POS terminal, receiving the ephemeral transaction authorization token from the POS terminal;
employing the payment token to send a push notification to the guest device using the push notification device identifier;
upon acceptance of the push notification by the guest device, transmitting details for the transaction that cause the guest device to simultaneously display what is being displayed on the POS terminal;
receiving transaction completion data from the guest device;
completing the transaction; and
notifying the POS terminal that the transaction is complete.
9. The non-transitory computer-readable storage medium as recited in claim 8 , wherein the payment instrument data comprises a credit card number.
10. The non-transitory computer-readable storage medium as recited in claim 8 , wherein the payment instrument data comprises a gift card number.
11. The non-transitory computer-readable storage medium as recited in claim 8 , wherein the guest device comprises a smart phone.
12. The non-transitory computer-readable storage medium as recited in claim 8 , wherein the guest device comprises a smart tablet.
13. The non-transitory computer-readable storage medium as recited in claim 8 , wherein the transaction completion data comprises a tip amount.
14. The non-transitory computer-readable storage medium as recited in claim 8 , wherein the prescribed period of time comprises 2 hours.
15. A server for handoff of a transaction for completion, the server comprising:
a payment token database, configured to:
register payment instrument data corresponding to a payment instrument;
associate the payment instrument data with an ephemeral transaction authorization token; and
store a payment token that associates the ephemeral transaction token with the payment instrument in a payment token database record along with a push notification device identifier that corresponds to a guest device;
a communication circuit, configured to:
receive details of the transaction from a point-of-sale (POS) terminal;
transmit the ephemeral transaction authorization token to the guest device, wherein the ephemeral transaction authorization token is valid to authorize handoff of the transaction for completion for a prescribed period of time; and
after the ephemeral transaction authorization token is presented by the guest device and read by the POS terminal, receive the ephemeral transaction authorization token from the POS terminal; and
a handoff code segment disposed in a memory, configured to:
employ the payment token to send a push notification to the guest device using the push notification device identifier;
upon acceptance of the push notification by the guest device, direct the communication circuit to transmit details for the transaction that cause the guest device to simultaneously display what is being displayed on the POS terminal;
receive transaction completion data from the guest device via the communication circuit;
complete the transaction; and
direct the communication circuit to notify the POS terminal that the transaction is complete.
16. The server as recited in claim 15 , wherein the payment instrument data comprises a credit card number.
17. The server as recited in claim 15 , wherein the payment instrument data comprises a gift card number.
18. The server as recited in claim 15 , wherein the guest device comprises a smart phone.
19. The server as recited in claim 15 wherein the transaction completion data comprises a tip amount.
20. The server as recited in claim 15 , wherein the prescribed period of time comprises 2 hours.