Systems and methods using mobile device in payment transaction

摘要

Systems and methods for performing a payment transaction are disclosed. In the embodiments of the invention, a mobile device is used by a user to receive an identifier associated with a piece of merchandise or a service from a merchant. The user then initiates a payment transaction with a remote payment server computer hosted by a third party processor. Upon completion of the payment transaction, the remote payment server computer notifies the user and the merchant that a payment has been made. The merchant then provide the merchandise or the service to the user. In the embodiments of the invention, a payment transaction is performed without exposing or disclosing financial account information of the user to the merchant.