TRANSACTION PROCESSING SYSTEM AND METHOD

摘要

A secure storage system securely stores customer information including, for a customer, payment account information, mobile communications device access information and customer verification information associated with mobile communications device identification information. Transactions can be conducted at a merchant system without the merchant system being provided with customer payment account details on presentation of the mobile communications device, payment being effected though the use of the secure storage system interacting with a merchant terminal device and an application on the mobile communications device.

主权项

1. A storage system comprising:
storage securely storing user information including, for a user, mobile communications device information, including mobile communications device identification information that identifies an instance of a mobile communications device application on a mobile communications device, payment account information and user verification information associated with the mobile communications device identification information; and storage system processing means configured
to receive from a transaction system a first transaction authorisation request message including transaction amount information, mobile communications device identification information and user verification information; andto determine whether the received user verification information corresponds to stored user verification information for the mobile communications device identified in the transaction authorisation request and, where the received user verification information corresponds to the stored user verification information,
to retrieve from the storage the payment account information associated with the mobile communications device identification information,to transmit to an authorisation system a second authorisation request message that includes the transaction amount information and the payment account information, andon receipt from the authorization system of a first authorization response message in response to the second authorization message to cause a second authorization response message to be transmitted to the transaction system without identifying the payment account information.