| 摘要 |
A system is disclosed for facilitating a secure method of payment for a commercial transaction which took place in a secure or unsecured environment. The system includes a financial persona server having a file stored therein which is configured to store information related to a user of the system. The information includes a choice of payment options. The system also includes a payment server selectively connectable to the financial persona server and operable to request one of the payment choices from the financial persona server to pay for the commercial transaction. Also disclosed is a method for enabling a purchaser to select a method of payment, and authorize a commercial transaction, between the purchaser and a merchant. The method includes providing the purchaser with an account on a financial persona server, an account number representing the account and a secure connection to the financial persona server. It includes enabling the purchaser to input, over the secure connection, two or more payment options into the account. The method also includes receiving, at a payment server, a message from the merchant, which identifies the transaction and the account number. The payment server communicates the message to the financial persona server and in response, the financial persona server requests an authorization and a payment choice from the purchaser. If the financial persona server receives the authorization and the payment choice from the purchaser, the financial persona server communicates the payment choice to the payment server over a secure link. The payment server receives the payment choice and forwards it over a secure link to a financial institution for further authorization. If the payment server receives authorization from the financial institution the payment server communicates an authorization code to the merchant.
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