| 摘要 |
A payment system includes a financial persona server having a file stored therein which is configured to store user information. The information includes a choice of payment options. The system also includes a payment server connectable to the financial persona server and operable to request one of the payment choices from the financial persona server. The corresponding method includes providing the purchaser with an account on a financial persona server, an account number representing the account and a secure connection to the financial persona server. The method includes receiving, at a payment server, a message from the merchant, which identifies the transaction and the account number. The payment server communicates the message to the financial persona server which requests an authorization and a payment choice from the purchaser. If the financial persona server receives the authorization and the payment choice, it communicates the payment choice to the payment server over a secure link. The payment server receives the payment choice and forwards it over a secure link to a financial institution for further authorization. If the payment server receives authorization from the financial institution the payment server communicates an authorization code to the merchant. |
