A method for exercising third-party control over a first person's food and dining ordering using digital receipts, comprising the steps of:
- receiving, at a payment facilitation server, a deposit request from a registered user, the deposit request comprising financial information necessary to deposit funds from the registered user's financial account;
- processing, at a payment facilitation server, a funds transfer from the registered user's financial account to the stored user account so that stored funds are associated with the registered user;
- associating, at a payment facilitation server, a subordinate user with the registered user, wherein the subordinate user may be authorized to use the stored funds;
- receiving, at a payment facilitation server, a merchant authorization from the registered user, the merchant authorization comprising at least one merchant where the stored funds may be used to conduct a transaction;
- storing, at a payment facilitation server, the merchant authorization in the stored user account;
- providing, at a payment facilitation server, zero-step authorization wherein a subordinate user is automatically authorized to perform a transaction at a specific restaurant or retail location using funds associated with the registered user, the authorization comprising the steps of:
- comparing of the restaurant or retail location against any available stored merchant authorizations for the subordinate user to determine whether the subordinate user is authorized to perform the transaction at the restaurant or retail location;
- and
- comparing any stored merchant authorizations against the registered user corresponding to the funds used in the transaction to determine whether the merchant authorization was provided by the registered user;
- and
- permitting, at a payment facilitation server, the transaction using the stored funds corresponding to the registered user to process only if the subordinate user is authorized via the zero-step authentication;
- detecting, at a payment facilitation device, a wireless mobile device registered to the subordinate user;
- establishing, at a payment facilitation device, a wireless connection with the wireless mobile device;
- obtaining, at a payment facilitation device, a device identifier for the wireless mobile device;
- sending, at a payment facilitation device, the device identifier to the payment facilitation server;
- receiving, at a payment facilitation device, customer information for the wireless mobile device from the payment facilitation server;
- displaying, at a payment facilitation device, a photograph of the user associated with the wireless mobile device for confirmation of the identity of the subordinate user;
- transmitting, at a payment facilitation device, transaction details to a mobile device of the registered user for approval, the transaction details comprising a transaction amount;
- sending, at a payment facilitation device, the transaction details to the payment facilitation server for processing of the transaction;
- and
- generating and transmitting, at a payment facilitation device, a digital receipt using financial details indicative of the transaction to the registered user, wherein the digital receipt enables the registered user to input feedback using an interactive authorized merchant component.