| 摘要 |
There is disclosed a system and method for processing payment options, including consolidation, selection, and secure identification. In an embodiment, multiple payment options such as credit cards, debit cards, loyalty cards, etc. are registere d by a consumer and consolidated into a secure central repository. The consumer may securely access the central repository over a secure communications channel from a remote access device, such as a POS terminal at a merchant store, to retrieve and select from one of the availab le payment methods for use. Upon selection, additional data sufficient to complete the payment transaction may be sent to the POS terminal. The consumer may use a piece of identification and password, such as one of the registered cards together with a password or personal identification number (PIN), to securely access the multiple payment options. In another embodimen t, the consumer may identify himself using a biometric identifier, such as a fingerprint or retina scanner, without the need for a separate piece of ID.
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