Systems and methods for facilitating card present transactions

A system comprising:

• at least one processor associated with a service provider system;
• and
• at least one memory storing computer-executable instructions, wherein the at least one processor is operable to access the at least one memory and execute the computer-executable instructions to:
• communicate over a network with one or more merchant computer configured to host a webpage comprising inventory information associated with a desired product or service;
• receive a request to initiate a card present transaction associated with a first user;
• collect information associated with the card present transaction, wherein the information associated with the card present transaction comprises one or more identifiers associated with the desired product or service, an identifier of a desired payment account, and identification information associated with the first user, wherein the information associated with the card present transaction identifies the card present transaction as a card present transaction;
• determine that an authorization of the card present transaction is required from a second user based at least in part on the information associated with the card present transaction;
• transmit a notification to facilitate an invocation of a transaction module on a mobile device associated with the second user upon determining that the authorization from the second user is required, wherein the transaction module is communicatively coupled to a secure element of the mobile device;
• receive a response from the second user in response to transmitting the notification, wherein the response comprises validation information from the transaction module wherein;
• the validation information comprises a key or signature retrieved by the transaction module from the secure element;
• and
• the service provider system verifies the validation information based on the key or signature received from the transaction module;
• and
• approve or deny the card present transaction, based on verification of the validation information.

A non-transitory computer-readable media comprising computer-readable instructions stored thereon that when executed by one or more processors of a service provider system cause the one or more processors to:

• receive a request to initiate a card present transaction associated with a first user, wherein the service provider system is in network communication with one or more merchant computers configured to host a webpage comprising inventory information indicative of a desired product or service;
• collect information associated with the card present transaction, wherein the information associated with the card present transaction comprises one or more identifiers associated with the desired product or service, an identifier of a desired payment account, and identification information associated with the first user, wherein the information associated with the card present transaction identifies the card present transaction as a card present transaction;
• determine that an authorization of the card present transaction is required from a second user based at least in part on the information associated with the card present transaction;
• transmit a notification to facilitate an invocation of a transaction module on a mobile device associated with the second user upon determining that the authorization from the second user is required, wherein the transaction module is communicatively coupled to a secure element of the mobile device;
• receive a response from the second user in response to transmitting the notification, wherein the response comprises validation information from the transaction module, wherein:
• the transaction module associates the validation information with the card present transaction and retrieves a key or signature stored on the secure element;
• and
• the service provider system verifies the validation information based on the key or signature received from the transaction module;
• and
• approve or deny the card present transaction, based on verification of the validation information.