Apparatus and method for transaction completion

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

• via a point-of-sale terminal, receiving a transaction token that corresponds to the transaction, the transaction token having been transmitted over the internet cloud through a gateway device that is collocated with the point-of-sale terminal, and presenting the transaction token for acceptance by a guest device;
• and
• receiving a notification that the transaction is complete, the notification having been transmitted over the internet cloud through the gateway device;
• wherein, upon acceptance of the transaction token by the guest device, the guest device launches a proprietary application program that is employed to receive details of the transaction for display on the guest device and to enable entry and transmission of transaction completion details by a guest on the guest device, and to receive notice that the transaction is complete.

A system for handing off a transaction for completion, the system comprising:

• a point-of-sale terminal, configured to receive a transaction token that corresponds to the transaction, said transaction token having been transmitted over the internet cloud through a gateway device that is collocated with the point-of-sale terminal, and configured to present said transaction token for acceptance by a guest device;
• and configured to receive a notification that the transaction is complete, said notification having been transmitted over the internet cloud through said gateway device;
• and
• a proprietary application program disposed within a memory of said guest device that is launched upon acceptance of said transaction token by said guest device, and that is configured to receive details of the transaction for display on said guest device, and that is configured to enable entry and transmission of transaction completion details by a guest on said guest device, and that is configured to receive notice that the transaction is complete.