NEAR-FIELD COMMUNICATION BASED PAYMENT METHODS

摘要

A method of performing a payment transaction is provided. Transaction information is received from a payee, which has been provided to payee by a payor using near-field communications and includes a payment amount and payee account information. A transaction authentication request is sent to the payor, and, after a transaction authentication is received from the payor, the payment amount is sent to the payee and a payment confirmation is sent to the payor. A method for processing a payment transaction using a generated remittance key is also provided. The remittance key, which includes an encrypted alphanumeric key having a payment amount and payment provider account information for a payor, is provided to a payee who transmits the remittance key to a remittance agent. The remittance agent transmits the remittance key and a payment request to a payment provider who processes the request and transmits a payment to the payee.