| 摘要 |
Computer-implemented systems, methods, and computer-readable media for financial transfers from a mobile device, comprising: receiving a mobile device identifier, a unique user identifier, a merchant identifier, and an amount from a mobile device; determining whether the transaction is authorized based on the mobile device identifier and the unique user identifier; transmitting an authorization failure message to at least one of the mobile device and a merchant device associated with the merchant identifier if it is determined that the transaction is not authorized; and transmitting to a payment gateway an account identifier associated with the unique user identifier and mobile device identifier, the merchant identifier, and the amount if it is determined that the transaction is authorized.
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