| 摘要 |
There is disclosed a method, computer program and system that support purchase transactions at merchants via a Payment ID generated on-demand and funded with a specific consumer-requested amount. The Payment ID, which could include but is not limited to a gift card ID, is then leveraged to complete a transaction at a merchant's point of sale (POS) system via the existing methods and processes inherent in the POS system. Also disclosed are related mechanisms to manage a secure database of Payment IDs and dynamically adjust the value tied to Payment IDs to account for any value due the customer from the merchant or other involved party.
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