Payment processing using electronic benefit transfer (EBT) system

A system for allowing a consumer to complete a payment transaction using a payment account of the consumer with a merchant at a merchant location, the system comprising:

• a detection unit operable to detect a mobile device associated with the consumer;
• one or more remote servers in communication with the detection unit, the remote servers used to verify an identity of the consumer using the mobile device and to form a virtual payment account number and a coin, wherein the virtual payment account number and the payment account of the consumer are associated with the coin, the coin acting as an identifier for a transaction between the merchant and consumer and is specific to the payment transaction, the remote servers further operable to send payment authorization information to the consumer's mobile device to allow the consumer to initiate the payment transaction with the merchant;
• and
• an EBT point of sale terminal used to process the payment transaction at the request of the consumer, processing the payment transaction using the payment authorization information, wherein the payment authorization information is associated with the virtual payment account number and the virtual payment account number is received by the EBT point of sale terminal from the one or more remote servers and used by the merchant as a mechanism for payment using an EBT payment processing system for the purpose of identifying each item purchased by the consumer, further wherein the identity of the items purchased by consumer is captured at the one or more remote servers and associated with the consumer using the coin;
• and wherein the payment account of the consumer is a non-EBT payment account.