| 摘要 |
A remote transaction processing system 80 for e.g. online payments holds user device profiles and merchant profiles 20, 60. The user device profile designates communication routing for the device e.g. SMS, instant messaging details, email, internet address or the like, and the merchant profile includes a Point of Sale (POS) configuration 90 e.g. valid cards, level of user authentication, permitted geographic regions etc and may include payment details for the transaction. A payment request designates a user device e.g. using phone number, IMEI, etc and the system retrieves the relevant merchant and device profiles, sending the relevant POS configuration to the user device to cause the device to act as a POS terminal for the transaction. Preferably the profiles are or include a cryptographic certificate, e.g. a PKI certificate. The user device may be a smartphone 40 including a card reader 45. The routing information may include a plurality of ranked communicating routes for contacting the user device. The merchant profile may be temporary, being deleted from the user device on completion of the transaction. |
