Server for transaction handoff and completion employing ephemeral token

A non-transitory 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, facilitating the handoff of the transaction, the facilitating comprising:
• registering payment instrument data corresponding to a payment instrument;
• associating the payment instrument data with an ephemeral transaction authorization token;
• storing a payment token that associates the ephemeral transaction token with the payment instrument data in a payment token database record along with a push notification device identifier that corresponds to a guest device;
• receiving details of the transaction from a point-of-sale (POS) terminal;
• transmitting the ephemeral transaction authorization token to the guest device wherein the ephemeral transaction authorization token is valid to authorize handoff of the transaction for completion for a prescribed period of time;
• receiving the ephemeral transaction authorization token from the POS terminal;
• employing the payment token to send a push notification to the guest device using the push notification device identifier;
• upon acceptance of the push notification by the guest device, transmitting details for the transaction that cause the guest device to simultaneously display what is being displayed on the POS terminal;
• receiving transaction completion data from the guest device;
• completing the transaction;
• and
• notifying the POS terminal that the transaction is complete.

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

• a payment token database, configured to:
• register payment instrument data corresponding to a payment instrument;
• associate the payment instrument data with an ephemeral transaction authorization token;
• and
• store a payment token that associates the ephemeral transaction token with the payment instrument in a payment token database record along with a push notification device identifier that corresponds to a guest device;
• a communication circuit, configured to:
• receive details of the transaction from a point-of-sale (POS) terminal;
• transmit the ephemeral transaction authorization token to the guest device;
• and
• receive the ephemeral transaction authorization token from the POS terminal;
• and
• a handoff code segment disposed in a memory, configured to:
• employ the payment token to send a push notification to the guest device using the push notification device identifier;
• upon acceptance of the push notification by the guest device, direct the communication circuit to transmit details for the transaction that cause the guest device to simultaneously display what is being displayed on the POS terminal;
• receive transaction completion data from the guest device via the communication circuit;
• complete the transaction;
• and
• direct the communication circuit to notify the POS terminal that the transaction is complete.