| 摘要 |
A system and method enabling consumers to settle payments using a handheld electronic device. The handheld electronic device preferably is provisioned with a unique code in a manner that does not require specialized software or hardware. A reader receives the unique code from the handheld electronic device, determines a consumer ID, and transmits the consumer ID, a reader ID and a payment amount to a service center. The service center retrieves the consumer account and the merchant account based on the consumer ID and the reader ID, and settles the payment by transmitting the accounts and the payment amount to a payment processing network.
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