| 摘要 |
Discloses a payment transfer system used to transfer funds from a payer to a payee using an online payment processor gateway. The payment processor gateway is accessible by a payer over the internet from a merchant web site or by telephone contact usi ng mobile SMS messaging or mobile, POTS or VoIP interactive voice response. The payer is authenticated to use the system by a challenge response process. The challen ge response process may include a user identifier such as a card number and related password or PIN or the challenge response may include a scanned biometric parameter such as a fingerprint or retinal scan.
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