Apparatus and method for transaction handoff and completion

A computer-readable storage medium storing program instructions that, when executed by a computer, cause the computer to perform a method for handoff of a transaction for completion, the method comprising:

• via a server, employing a token with a point-of-sale terminal to perform the handoff of the transaction for completion on a guest device, wherein the server is not collocated with the point-of-sale terminal, and wherein communications between the point-of-sale terminal and the server are transmitted and received through a gateway device that is collocated with the point-of-sale terminal;
• and
• via the server, transmitting details of the transaction for display on the guest device, receiving transaction completion data provided by the guest device, and notifying the guest device and the point-of-sale terminal that the transaction is complete.

The computer-readable storage medium as recited in claim 9, wherein the token corresponds to a payment instrument that is presented as payment for the transaction to the point-of-sale terminal, and wherein the server sends a push notification to the guest device upon reception of the payment instruction, the push notification directing the guest device to launch a proprietary application that communicates directly with the server and through which the details of the transaction are displayed and the transaction completion data is entered.

A system for handoff of a transaction for completion, the system comprising:

• a point-of-sale terminal, configured to employ a token with a server to perform the handoff of the transaction for completion on a guest device, wherein communications between said point-of-sale terminal and said server are transmitted and received through a gateway device that is collocated with said point-of-sale terminal;
• and
• a server, configured to transmit details of the transaction for display on said guest device, and configured to receive transaction completion data provided by said guest device, and configured to notify said guest device and said point-of-sale terminal that the transaction is complete, wherein said server is not collocated with said point-of-sale terminal.