OPEN WALLET FOR ELECTRONIC TRANSACTIONS

摘要

A system for completing a transaction between a first party and a second party is provided. The system includes at least one processor programmed to receive a request for personal data to complete the transaction from the second party using an open commerce wallet exchange (OCWE) protocol. The processor is further programmed to receive a selection of one of one or more banking applications and/or wallets associated with the system from the first user. The one or more banking applications and/or wallets include the personal data or access to the personal data. The processor is further programmed to receive the personal data from the selected banking application and/or wallet and provide the merchant with the personal data using the OCWE protocol to complete the transaction.