Systems and Methods for Handling Point-of-Sale Transactions Using a Mobile Device

A method for providing payment in a mobile e-commerce network, comprising:

• storing, in an account repository of a network processing system (NPS), at least one transaction account associated with an NPS account identified by a customer identifier;
• receiving, at the NPS, a notification identifying a transaction account selection, the transaction account selection designating one of the transaction accounts for use in at least one future transaction;
• and
• receiving the customer identifier from a point-of-sale (POS) system in a request to use the designated transaction account from the NPS account to complete a transaction.

A method for providing payment in a mobile e-commerce network, comprising:

• storing, in an account repository of a network processing system (NPS), at least one transaction account associated with an NPS account identified by a customer identifier;
• receiving, at the NPS, a notification identifying a transaction account selection, the transaction account selection designating one of the transaction accounts for use in at least one future transaction;
• receiving the customer identifier from a financial institution gateway in a request to use the designated transaction account from the NPS account to complete a transaction;
• and
• authorizing payment using the designated transaction account with a financial institution associated with the designated transaction account for the transaction.

A mobile device, comprising:

• a processor;
• a memory comprising an application, executable by the processor, and configured to allow selection of a transaction account to use for payment of items or services provided by a merchant;
• a transceiver configured to communicate with a network processing system (NPS) to send a notification identifying the selected transaction account for at least one future transaction;
• and
• a short-range communications module (SRCM) configured to communicate, via a short-range communications medium, with a point-of-sale (POS) system associated with the merchant to send a customer identifier to complete a transaction.

A method for providing payment in an e-commerce network, comprising:

• receiving, at a network processing system (NPS), a customer identifier from a point-of-sale (POS) system, the customer identifier first being sent from a mobile device to the POS system for payment in a transaction for an item or service;
• determining, at the NPS, from the customer identifier, a telephone number associated with the mobile device;
• sending, from the NPS, a message to the mobile device requesting authorization to charge a selected account;
• receiving, at the NPS, a response message from the mobile device, the response message comprising an account selection;
• authorizing payment with a financial institution identified by the account selection;
• and
• sending, from the NPS, the customer identifier to the POS with confirmation of a successful payment.