Isolated payment system

摘要

A payment company separate from a retailer runs a payment application having credentials on a server computer. There are wireless personal portable interfaces belonging to the payment company but located in real and virtual retail, showrooms. The retailer agrees to the credentials of the payment company, which include prespecified real and virtual currencies for remittance. Credentials also include rules regarding limitations on acceptance of remittance in virtual currencies. A customer having a personal portable device enters a showroom and selects merchandise to purchase. She selects a payment company who remits payment to the retailer according to the credentials.

主权项

1. A payment system comprising:
a server computer running a payment application having credentials; a plurality of wireless portable device interfaces connected to said server computer via a plurality of real or virtual showrooms owned by a plurality of retailers, which are visited by customers having portable devices; a wireless user interface attached to said server computer, user accounts stored in a database accessible by said payment application; a shipping subsystem accessible by said payment application, running on said server computer; and wherein said payment application is configured to receive acceptance of said credentials from said retailers, and to remit payment to said retailers based on interaction with one of said customer portable devices via said portable device interfaces or said user interface.