System and method for transaction handoff and completion employing indirect token

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:

• registering a payment instrument with a server, associating the payment instrument with one or more indirect payment authorization tokens, and storing a payment token that associates the one or more indirect payment authorization tokens with the payment instrument in a payment token database record;
• storing a push notification device identifier that corresponds to the payment token in the payment token database record;
• via a point-of-sale (POS) terminal, entering one of the one or more indirect payment authorization tokens, and transmitting the entered one of the one or more indirect payment authorization tokens via the internet cloud to the server, wherein the server is not collocated with the POS terminal, and wherein communications between the POS terminal and the server are transmitted and received through a gateway device that is collocated with the POS terminal;
• via the server, using the payment token to access the push notification device identifier and transmitting a push notification to a guest device that corresponds to the push notification device identifier;
• upon acceptance of the push notification, executing a proprietary application on the guest device and simultaneously displaying details for the transaction on both the guest device and POS terminal;
• receiving transaction completion data that is entered via the guest device and transmitting the transaction completion data to the server;
• and
• completing the transaction at the server and notifying the POS terminal and the guest device that the transaction is complete.

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

• a server, configured to receive payment instrument, and configured to store a payment token that represents said payment instrument and associate said payment instrument with one or more indirect payment authorization tokens in a payment token database record, and configured to store a push notification device identifier that corresponds to said payment token in said payment token database record;
• and
• a point-of-sale (POS) terminal, configured to enter one of said one or more indirect payment authorization tokens, and configured to transmit said one of said one or more indirect payment authorization tokens via the internet cloud to said server, wherein said server is not collocated with said POS terminal, and wherein communications between said POS terminal and said server are transmitted and received through a gateway device that is collocated with said POS terminal;
• wherein said server uses said payment token to access said push notification device identifier, and wherein said server transmits a push notification to said guest device;
• wherein, upon acceptance of said push notification, said guest device executes a proprietary application, and wherein details for the transaction are transmitted by said server for simultaneous display on both said guest device and said POS terminal;
• wherein said guest device receives transaction completion data that is entered and transmits said transaction completion data to said server;
• and
• wherein said server completes the transaction and notifies said POS terminal and said guest device that the transaction is complete.