UNIVERSAL ELECTRONIC PAYMENT CREDENTIAL PROCESSING

摘要

A method of credential-based electronic payment processing involves a credential processing server receiving from a mobile communications device a payment initiation request for initiating payment with a payment terminal, and providing the mobile communications device with a mode authorization for an authorized communications mode for the mobile communications device to provide the payment terminal with a payment pre-authorization credential. The payment pre-authorization credential is uniquely associated with a financial account and pre-authorizes electronic payment from the financial account. The credential processing server receives from the payment terminal a payment clearing request that identifies a payment amount and includes the payment pre-authorization credential. The credential processing server determines particulars of the financial account from the payment pre-authorization credential, and effects settlement of the electronic payment by forwarding over a payment network a settlement request message identifying the payment amount and the financial account particulars.

主权项

1. A method of credential-based electronic payment processing, the method comprising:
a credential processing server receiving from a mobile communications device a payment initiation request for initiating an electronic payment with a payment terminal; the credential processing server providing the mobile communications device with a mode authorization for an authorized communications mode for the mobile communications device to provide the payment terminal with a payment pre-authorization credential, the payment pre-authorization credential being uniquely associated with a financial account and pre-authorizing electronic payment from the financial account; the credential processing server receiving from the payment terminal a payment clearing request identifying a payment amount and including the payment pre-authorization credential; and the credential processing server determining particulars of the financial account from the payment pre-authorization credential, and effecting settlement of the electronic payment by forwarding over a payment network a settlement request message identifying the payment amount and the financial account particulars.