NEAR-FIELD COMMUNICATION BASED PAYMENT METHODS

A method of performing a payment transaction is provided. Transaction information is received from a payee, which has been provided to the payee by a payor using near-field communications and includes a payment amount and payee account information. A transaction authentication request is sent to the...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser:	CHANDOOR MADHURI, GROLEAU NICOLAS
Format:	Patent
Sprache:	eng
Schlagworte:	CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ELECTRIC COMMUNICATION TECHNIQUE ELECTRICITY PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHICCOMMUNICATION
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Beschreibung
Zusammenfassung:	A method of performing a payment transaction is provided. Transaction information is received from a payee, which has been provided to the payee by a payor using near-field communications and includes a payment amount and payee account information. A transaction authentication request is sent to the payor, and, after a transaction authentication is received from the payor, the payment amount is sent to the payee. After the payment has been completed, a payment confirmation is sent to the payor. A method for processing a payment transaction using a generated remittance key is also provided. The remittance key, which includes an encrypted alphanumeric key having a payment amount and payment provider account information for a payor, is generated and transmitted to a payee who, in turn, transmits the remittance key to a remittance agent. The remittance agent transmits the remittance key and a payment request to a payment provider who processes the request and transmits a payment to the payee.