PAYMENT SYSTEM THAT REDUCES OR ELIMINATES THE NEED TO EXCHANGE PERSONAL INFORMATION

摘要

A payment system that securely identifies transactions using a transaction identifier that may be set by the parties to the transaction, such that the parties may interact regarding the transaction with one another and with the payment system using that identifier rather than personal identification information. In embodiments, funds may be transferred between individuals that are anonymous to one another, or transferred with limited exchange of personal identification information. When a first individual (the “payer”) seeks to pay a second individual, the first may obtain from the second (the “payee”) an identifier for the transaction. The payer may register the transaction with the payment system, including by providing this transaction identifier. The second individual may subsequently “claim” the transaction by providing that transaction identifier to the system and thereby demonstrating that he/she is the payee of the transaction, after which the system may transfer funds to the second individual.

主权项

1. A method for operating a payment system that processes transactions, each transaction involving a transfer of a payment from a payer to a payee, the method comprising:
operating at least one processor to:
receive information regarding a transaction between a payer and a payee from a mobile device operated by the payer;in response to confirming that the payer has fulfilled obligations of the payer for the transaction, select from at least one data store a confirmation message associated with the payee, the at least one data store storing a plurality of confirmation messages associated with a plurality of parties to transactions; andtransmit the confirmation message associated with the payee to the mobile device for display on the mobile device.