PERSON-TO-PERSON ELECTRONIC PAYMENT PROCESSING

摘要

A method of person-to-person anonymous electronic payment processing involves a payment processing server receiving from a payor payment device a payment initiation request for a payment from a payor account. The payment initiation request identifies a payment amount and excludes payee particulars and the payee account. The server also receives from a payee payment device a payment completion request requesting completion of the payment. The payment completion request includes a payee identifier and excludes the payment amount, payor account and payor particulars. The server confirms that the payment completion request is uniquely associated with the payee payment device and the payee identifier, and determines the payment amount and the payor account by correlating the payment completion request with the payment initiation request. In accordance with an outcome of the confirming, the payment processing server effects a transfer in the payment amount from the payor account to the payee account.