| 摘要 |
<p>A payment system, including: a host server; a digital wallet for storing credit of a user; a user mobile communications device for data communication with the host server; and a point-of-sale terminal operable by a vendor. The point-of-sale terminal is configured to receive purchase data indicative of a desired purchase by the user and to transmit the purchase data to the host server, the purchase data including price data, the mobile communications device is configured to receive the purchase data from the host server or from the point-of-sale terminal and to prompt the user to input user authorization, the mobile communications device is configured to receive the user authorization and in response thereto to transmit authorization data to the host server, and the host server is configured to respond to receiving the authorization data by initiating transfer of funds according to the price data from the digital wallet to a vendor account.</p> |
