System and method for facilitating cash payment transactions using a mobile device

A method for facilitating a payment between an online merchant and a consumer, wherein the consumer provides a purchase request on a web-based interface, and wherein the consumer provides the payment for the purchase request at a point-of-sale terminal that is local to the consumer and remote to the merchant, the method comprising:

• receiving with a communications interface of a service provider system the purchase request made on the web-based interface;
• generating with a processor of the service provider system transaction instructions for the purchase request;
• receiving with the communications interface of the service provider system contact information for the consumer;
• linking with the processor of the service provider system the consumer's contact information to the transaction instructions;
• creating with the processor of the service provider system a transaction-specific page;
• updating with the processor of the service provider system the transaction-specific page with instructions for the consumer on how to provide the payment for the purchase request at the point-of-sale terminal;
• transmitting with the communications interface of the service provider system the transaction-specific page to the consumer at the consumer's contact information and causing the web-based interface to display the transaction-specific page;
• generating with the processor of the service provider system a token ID;
• linking with the processor of the service provider system the token ID to the transaction instructions;
• updating with the processor of the service provider system the transaction-specific page to display the token ID;
• receiving with the communications interface of the service provider system confirmation that the consumer presented the token ID and the payment to the point-of-sale terminal;
• verifying with the processor of the service provider system that the payment is in accordance with the transaction instructions;
• and
• updating with the processor of the service provider system the transaction-specific page to display a transaction receipt confirming the payment at the point-of-sale.

A method for facilitating a payment between ma online merchant and a consumer, wherein the consumer provides a payment request through a mobile application on a mobile device for payment at a point-of-sale terminal that is local to the consumer and remote to the merchant, the method comprising:

• receiving with a communications interface of a service provider system the payment request made through the mobile application on the mobile device;
• generating with a processor of the service provider system transaction instructions for the payment request;
• receiving with the communications interface of the service provider system the consumer's contact information;
• linking with the processor of the service provider system the consumer's contact information to the transaction instructions;
• creating with the processor of the service provider system transaction-specific page instructions for the mobile application;
• transmitting with the communications interface of the service provider system the transaction-specific page instructions to the consumer at the consumer's contact information;
• updating with the processor of the service provider system the transaction-specific page instructions to cause the mobile device to display instructions to the consumer on bow to provide the payment for the purchase request at the point-of-sale terminal;
• generating with the processor of the service provider system a token ID;
• linking with the processor of the service provider system the token ID to the transaction instructions;
• updating with the processor of the service provider system the transaction-specific page instructions to cause the mobile device to display the token ID;
• receiving with the communications interface of the service provider system confirmation that the consumer presented the token ID and the payment to the point-of-sale terminal;
• verifying with the processor of the service provider system that the payment is in accordance with the transaction instructions;
• and
• updating with the processor of the service provider system the transaction-specific page instructions to cause the mobile device to display a transaction receipt confirming the payment at the point-of-sale.

A method for facilitating a payment between a consumer and a remote payee, wherein the consumer provides a payment request on a web-based interface to make the payment at a point-of-sale terminal that is local to the consumer, the method comprising:

• receiving with a communications interface of a service provider system the payment request made on the web-based interface;
• generating with a processor of the service provider system transaction instructions for the payment request;
• receiving with the communications interface of the service provider system contact information for the consumer;
• linking with the processor of the service provider system the contact information to the transaction instructions;
• causing with the processor of the service provider system the web-based interface to display of a portion of the transaction instructions including how to provide the payment for the payment request at the point-of-sale terminal;
• generating with the processor of the service provider system a token ID;
• linking with the processor of the service provider system the token ID to the transaction instructions;
• causing with the processor of the service provider system the web-based interface to display the token ID;
• receiving with the communications interface of the service provider system confirmation that the consumer presented the token ID and the payment to the point-of-sale terminal;
• verifying with the processor of the service provider system that the payment is in accordance with the transaction instructions;
• and
• causing with the processor of the service provider system the web-based interface to display a transaction receipt confirming the payment at the point-of-sale.

A method for facilitating a payment from a consumer to a remote payee, wherein the consumer provides a payment request though a mobile application on a mobile device for payment at a point-of-sale terminal, the method comprising:

• receiving with a communications interface of a service provider system the payment request made through the mobile application on the mobile device;
• generating with a processor of the service provider system transaction instructions for the payment request;
• receiving with the communications interface of the service provider system the mobile device contact information;
• linking with the processor of the service provider system the mobile device contact information to the transaction instructions;
• crating with the processor of the service provider system transaction-specific page instructions for the mobile application;
• transmitting with the communications interface of the service provider system the transaction-specific page instructions to the consumer at the mobile device contact information;
• generating with the processor of the service provider system a token ID;
• linking with the processor of the service provider system the token ID to the transaction instructions;
• updating with the processor of the service provider system the transaction-specific page instructions to cause the mobile device to display the token ID;
• receiving with the communications interface of the service provider system confirmation that the consumer presented the token ID and the payment to the point-of-sale terminal;
• verifying with the processor of the service provider system that the payment is in accordance with the transaction instructions;
• and
• updating with the processor of the service provider system the transaction-specific page instructions to cause the mobile device to display a transaction receipt confirming the payment at the point-of-sale.