Online payment

摘要

#$%^&*AU2020202575A120200507.pdf#####ABSTRACT The disclosure concerns computing systems that support authorisation of payments to online merchants 103. The computer 105 receives from the merchant 103 or a financial institution of the merchant (merchant FI) 104 a payment request. The computer 105 determines a customer F 102 and sends the payment request to the customer FI 102 to cause the customer FI 102 to send to the customer 101 an authorisation code. The computer 105 then receives an authorisation request associated with the payment having the authorisation code as provided by the customer 101 to the merchant 103. The computer 105 determines the customer Fl 102 and sends the authorisation request to the customer FIl102 to cause the customer FIl102 to verify the authorisation code. In reply the computer 105 receives from the customer Fl 102 an authorisation confirmation for the payment and sends the authorisation confirmation to the merchant 103 or merchant FIl104.101 102 105 104 103 customer merchant customer FI FMS FI merchant check out, customer identifier, verification code payment request 201 payment request p02 03 validate 204 request determine 205 customer Fl payment request 206 verify payment206 request 207 verified payment request verified payment reque pt authorisation code -23 4 1 4 208236 enfid payment requ st '208 236 ~~ authorisation code 220 authorisation request authorisation request 21 authorisation request 29 222 verify code 223 authorisation confirmation 225 authorisation confirmation 22 authorisation confirm 226 * 2287 receipt 227 230 initiate funds transfer Fig. 2