SYSTEM, PAYMENT AGENT AND COMPUTER READABLE STORAGE MEDIUM FOR FACILITATING CONTACTLESS MOBILE PAYMENT TRANSACTIONS

摘要

A system for facilitating contactless mobile payment transactions comprises a payment network, an issuer switch operably coupled to the payment network, and a payment agent operably coupled to the issuer switch. In use, the issuer switch receives, via the payment network, a point of sale transaction request, the issuer switch sends a primary transaction request to the payment agent, the payment agent sends a virtual transaction request in accordance with the primary transaction request, the payment agent receives a virtual transaction reply, the payment agent sends a primary transaction reply to the issuer switch in accordance with the virtual transaction reply, and the issuer switch sends, via the payment network, a point of sale transaction reply in accordance with the primary transaction reply.

主权项

1. A system for facilitating contactless mobile payment transactions, the system comprising:
a payment network; an issuer switch operably coupled to the payment network; and a payment agent operably coupled to the issuer switch, wherein, in use:
the issuer switch receives, via the payment network, a point of sale transaction request;the issuer switch sends a primary transaction request to the payment agent;the payment agent sends a virtual transaction request in accordance with the primary transaction request;the payment agent receives a virtual transaction reply;the payment agent sends a primary transaction reply to the issuer switch in accordance with the virtual transaction reply; andthe issuer switch sends, via the payment network, a point of sale transaction reply in accordance with the primary transaction reply.