| 摘要 |
The technologies disclosed herein use mobile computing devices, such as smartphones, to facilitate purchases without the use of a credit or debit card (i.e., "cardless" purchases). A cardless purchase can be initiated by a user using their mobile device to connect with a merchant's acquiring bank (acquirer), the acquirer collecting a mobile device identifier (e.g., phone number), an issuer code, a merchant code, account security information (e.g., a card security code and an access code), and the acquirer sending a request to the user's issuing bank to authorize the purchase. The acquirer uses the information received from the mobile device to assemble an account number, typically 15 or 16 digits long, so as to leverage existing acquirer, issuer and credit card network infrastructure. Upon receiving a response from the issuer bank, the user and merchant are notified (via SMS, email or other method) whether the transaction has been authorized.
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