SYSTEMS AND METHODS FOR TRANSACTING VIA A MOBILE COMMUNICATIONS CHANNEL

摘要

Systems and methods for transacting via a mobile communications channel are provided. In a method carried out at a payment processor, a request relating to processing of a transaction against a consumer account held at a value store of a third party entity is received. An authorization for the request is also received from a mobile communications device of a consumer. The authorization for the request is received from the mobile communications device directly via a mobile communications channel. The payment processor determines, using at least a consumer account identifier, the value store at which the consumer account is held and processes the request against the consumer account held at the value store of the third party entity.