SYSTEM AND METHOD FOR ORGANIZING ELECTRONIC MOBILE PAYMENT TRANSACTIONS

摘要

A system for organizing electronic mobile payment transactions using a mobile device that uses electronic payment systems utilizing a digital wallet to make payments to a vendor is provided. The vendor's POS system the payment network and the digital wallet have a plurality of components for generating a digital receipt for use by the mobile device. The system includes an apparatus for hosting the digital wallet; a first communication channel for communication of the location of the payer's digital wallet as the destination where the receipt shall be sent; a second communication channel for transmitting data concerning the purchase to the apparatus in a form useful to the apparatus so that the merchant generates the contents of a digital receipt that has data fields such that data can be stored for retrieval. The system also includes at least one application available to the mobile device that permits the data in the data fields to undergo data processing to be manipulated by a user of the mobile device for presentation on the mobile device.

主权项

1. A system for organizing electronic mobile payment transactions using a mobile device that uses electronic payment systems utilizing a digital wallet to make payments to a merchant, the system comprises:
an apparatus for hosting the digital wallet; a first communication channel for communication of a location of the payer's digital wallet as a destination where a receipt shall be sent; a second communication channel for transmitting data concerning a purchase to the apparatus so that a merchant generates contents of a digital receipt that has data fields so that data can be stored for retrieval; and at least one application available to the mobile device that permits the data in the data fields to undergo data processing to be manipulated by a user of the mobile device for presentation on the mobile device.