| 摘要 |
A computer implemented method, system and node for processing a payment request is provided. The system comprises one or more merchant Point of Sale (POS) terminals 101, 102, 103, connected by way of a communications network 106 to a network node 104 where the merchant terminals are capable of transmitting a request to the network node. A user pre-defines a payment profile (fig 2) comprising an indication of purchase value, time of purchase and prospective merchant. The method comprises operating a processor of a network node to: (i) determine that a current time is within a predefined period of a payment time associated with the payment profile; (ii) determine an account number, a payment amount and a payment provider associated with the payment profile; (iii) transmit to the payment provider a request for pre-authorisation of payment of the payment amount from an account associated with the determined account number; and (iv) responsive to receiving a pre-authorisation from the payment provider, associating an authorisation indication with the payment profile. In this way, time spent waiting for a merchant terminal to receive authorization to process the transaction is reduced since the transaction has been authorized in advance of the purchase. |
