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COMPUTER SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR PROCESSING A CASHLESS PAYMENT TRANSACTION VIA A POINT-OF-SALE TERMINAL
COMPUTER SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR PROCESSING A CASHLESS PAYMENT TRANSACTION VIA A POINT-OF-SALE TERMINAL
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机译:通过销售终端处理无偿付款交易的计算机系统和计算机实现的方法
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摘要
A payment network server for processing a cashless payment transaction via a point-of-sale (POS) terminal associated with a merchant server is described. The server comprises a data storage device comprising instructions operative by a processor to: receive a tokenization request comprising payment account credentials; generate a token associated with the payment account credentials; transmit the token to the customer electronic device, where the token is transmitted to a card for processing the transaction at the POS terminal; receive a transaction request comprising the token and a payment amount; perform de-tokenization on the token to identify the payment account credentials associated with the token; transmit an authorisation request that comprises at least the payment account credentials and the payment amount to an issuer institution; receive an authorisation response comprising an indication of approval or refusal; and transmit a payment transaction response comprising approval or a refusal to the merchant.
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