MERCHANT ACCOUNT TRANSACTION PROCESSING SYSTEMS AND METHODS

A computer-implemented method performed by a computer system includes receiving a payment token generated for a mobile wallet transaction between a payor and a merchant from a mobile device of the payor where the payment token is displayed on a POS (Point of Sale) device of the merchant and scanned...

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Hauptverfasser: Kurani, Ashish Bhoopen, Meyyappan, Uma, Sahni, Bipin, Stroke, Nikolai, Lowry, Melissa, Kennedy, Michael J, Ellis, Stephen M
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creator Kurani, Ashish Bhoopen
Meyyappan, Uma
Sahni, Bipin
Stroke, Nikolai
Lowry, Melissa
Kennedy, Michael J
Ellis, Stephen M
description A computer-implemented method performed by a computer system includes receiving a payment token generated for a mobile wallet transaction between a payor and a merchant from a mobile device of the payor where the payment token is displayed on a POS (Point of Sale) device of the merchant and scanned by the mobile device as part of the mobile wallet transaction, determining, based on a payment token, an issuing financial institution and an account number corresponding to a payor account of the payor at the issuing financial institution, and initiating a transfer of funds from the payor account at the issuing financial institution to a merchant account held by the merchant at a recipient financial institution.
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subjects CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
title MERCHANT ACCOUNT TRANSACTION PROCESSING SYSTEMS AND METHODS
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