System and method of using load network to associate product or service with a consumer token

A method of enabling a consumer to purchase a product or service, comprising:

• receiving a message over a load network or payment processing network;
• operating an electronic data processor to determine, based on data contained in the message, the product or service that the consumer has paid to purchase;
• operating the electronic data processor to determine, based on data contained in the message, identification data for the consumer;
• receiving identification data from a person wanting to obtain the product or service;
• comparing the identification data for the consumer to the identification data received from the person;
• and
• based on the comparison, providing the product or service to the person.

One or more computer-readable media collectively having thereon computer-executable instructions that, when executed by one or more computers cause the one or more computers to collectively, at least

• generate an electronic message in a format transportable over a load network or payment processing network, the message including data identifying the provider of a product or service, data identifying the product or service, and data identifying a consumer wanting to purchase the product or service;
• provide the generated message to the load network or payment processing network;
• receive the message over the load network or payment processing network;
• process the received message to determine, based on data contained in the message, the product or service that the consumer has paid to purchase;
• and
• process the received message to determine, based on data contained in the message, identification data for the consumer.