CPC G06Q 20/3674 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/12 (2013.01); G06Q 20/351 (2013.01); G06Q 20/36 (2013.01); G06Q 20/407 (2013.01); G06Q 20/42 (2013.01)] | 14 Claims |
1. A method comprising:
receiving a proxy payment identifier, by a point of sale terminal from a client device comprising a first digital wallet storing the proxy payment identifier for a transaction, wherein the proxy payment identifier is valid for only the transaction;
receiving, by a server computer, an authorization request comprising the proxy payment identifier for the transaction from the point of sale terminal via a merchant server;
determining that the proxy payment identifier is associated with a second digital wallet;
obtaining, by the server computer, accounts associated with the second digital wallet;
presenting, by the server computer, the accounts to the client device over a communication network, wherein the client device displays the accounts to a user via a user interface, and starting a timer for a user response;
receiving, by the server computer from the client device over the communication network, a selection of an account from the accounts associated with the second digital wallet;
after receiving the selected account and after determining that an elapsed time of the timer does not exceed a predetermined threshold, processing, by the server computer, the transaction using a payment identifier associated with the account in the second digital wallet by replacing the proxy payment identifier in the authorization request with the payment identifier;
generating, by a wallet server computer in communication with the server computer, a purchase identifier encoded in a QR Code on a purchase receipt;
transmitting, by the wallet server computer, the purchase identifier encoded in the QR Code on the purchase receipt to the client device, wherein purchase identifier on the purchase receipt provides proof that the transaction was authorized; and
reading, by a merchant device, the purchase receipt and then allowing the user to exit the store.
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