CPC G06Q 20/202 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/204 (2013.01); G06Q 20/209 (2013.01); G06Q 20/327 (2013.01); H04W 4/80 (2018.02); H04W 84/12 (2013.01)] | 12 Claims |
1. A computer-implemented method comprising:
establishing wireless communication between a user computing device and an electronic point of sale terminal using a first communication channel, the first communication channel being one of a Bluetooth low energy (BLE) channel, a Wi-Fi (802.11 standard) channel, and a radio frequency identification channel;
establishing communication between the user computing device and the electronic point of sale terminal using a near field communication (NFC) channel;
communicating an identification message from the user computing device to the electronic point of sale terminal via the NFC channel, the identification message including a unique identifier for the user device and an indication of communication channels that the user computing device is configured to use;
communicating contents of a virtual shopping cart from the user computing device to the electronic point of sale terminal via the first communication channel, the contents of the virtual shopping cart at least including purchase item identifiers and a purchase amount for items to be purchased;
communicating a payment confirmation amount message from the user computing device to the electronic point of sale terminal via the first communication channel, the payment confirmation amount message confirming that the electronic point of sale terminal is permitted to charge the purchase amount for the items to be purchased in the virtual shopping cart; and
communicating a payment credential message from the user computing device to the electronic point of sale terminal via the first communication channel, the payment credential message including a payment credential associated with a payment account to be used for the purchase transaction.
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