| 摘要 |
A payment system transmits an authorization token to a mobile device. The authorization token enables the mobile device to create a barcode. The system receives from a point of sale device, in connection with reading the barcode, the authorization token and information relating to a product or service for purchase. The system validates the authorization token, and compares the information relating to the product or service with information associated with a virtual payment account. In response to the comparison, the system either authorizes the purchase or denies the purchase. The system transmits the authorization or denial to the point of sale device, and applies a purchase amount to the virtual payment account. |
| 主权项 |
1. A system comprising:
a computer processor operable to:
receive from a mobile device a request to create a virtual payment account, the virtual payment account associated with one or more of a bank account, a credit card account, and a prepaid account;create the virtual payment account;transmit an authorization token to the mobile device, wherein the authorization token is associated with the virtual payment account, wherein the authorization token is configured such that the authorization token enables the mobile device to create a barcode or quality code, and wherein the barcode or quality code comprises the authorization token;receive from a point of sale device, in connection with a reading of the barcode or quality code and a purchase of a product or service, the authorization token and information relating to the product or service;validate the authorization token received from the point of sale device;compare the information relating to the product or service with information associated with the virtual payment account;in response to the comparison, determine that there is a sufficient amount of funds associated with the virtual payment account to purchase the product or service, and authorize the purchase of the product or service;in response to the comparison, determine that there is an insufficient amount of funds associated with the virtual payment account to purchase the product or service, and deny the purchase of the product or service;transmit the authorization or the denial to the point of sale device; andin response to the authorization of the purchase, apply a purchase amount to the bank account, the credit card account, or the prepaid account. |
