ONLINE PAYMENT

摘要

The present disclosure relates to computing systems that support authorization of payments to online merchants. The computer receives from the merchant or a financial institution of the merchant (merchant FI) a payment request. The computer determines a customer FI and sends the payment request to the customer FI to cause the customer FI to send to the customer an authorization code. The computer then receives an authorization request associated with the payment having the authorization code as provided by the customer to the merchant. The computer determines the customer FI and sends the authorization request to the customer FI to cause the customer FI to verify the authorization code. In reply the computer receives from the customer FI an authorization confirmation for the payment and sends the authorization confirmation to the merchant or merchant FI.

主权项

1. A computer implemented method performed by a central financial management system for authorizing a payment for a purchase by a customer from a merchant, the method comprising:
(a) receiving from the merchant or a financial institution of the merchant (merchant FI) an input message including a payment request having: a customer identifier, and purchase information; (b) based on the customer identifier, determining a financial institution of the customer (customer FI) and sending an output message including the payment request to the customer FI to cause the customer FI to send to the customer an authorization code that is associated with the payment; (c) receiving from the merchant or the merchant FI an input message including an authorization request associated with the payment having the authorization code as provided by the customer to the merchant; (d) determining the customer FI associated with the authorization request and sending an output message including the authorization request to the customer FI to cause the customer FI to verify the authorization code; (e) receiving from the customer FI an input message including an authorization confirmation for the payment; and (f) determining the merchant FI associated with the authorization confirmation and sending an output message including the authorization confirmation to the merchant FI.