Ecommerce point-of-sale transaction for offline transactions

Non-transitory computer-readable storage media having computer-executable instructions stored thereon for bypassing communication network disruptions in point-of-sale terminal-initiated financial transactions, wherein when executed by at least one processor the computer-executable instructions cause the at least one processor to:

• receive, at a consumer mobile device having a payment application, user input initiating a payment transaction;
• based on the user input, prompt a merchant point-of-sale terminal via the payment application for transaction data for the payment transaction, the transaction data identifying a product for purchase and an amount;
• receive, at the consumer mobile device and from the merchant point-of-sale terminal, the transaction data;
• transmit the transaction data from the consumer mobile device to a merchant server;
• receive, from the merchant server and at the consumer mobile device, a prompt to complete a transaction corresponding to the transaction data;
• receive acceptance input from the consumer at the consumer mobile device;
• based on the acceptance input, transmit an acceptance to complete the transaction;
• and
• transmit, via the payment application, a confirmation of transaction completion to the merchant point-of-sale terminal, the confirmation of transaction completion being encoded with a merchant private key for storage by the merchant point-of-sale terminal.