| 摘要 |
Systems and methods of payment processing via employing a payment token(s) that is supplied to smart portable devices, which are carried by customers. Such a token can be in form of a unique identifier(s) (which is generated by an issuing bank and received by the smart portable devices), and is associated with a payment amount for a merchant. Moreover, the point of sale (POS) terminal can accept the token offline, and hence a requirement for availability of communication between the POS and a payment processor/issuing bank can be mitigated.
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