CUSTOMER-INITIATED PAYMENT SYSTEM AND PROCESS

摘要

Described herein is a customer-initiated payment system that includes an electronic device of a customer, the electronic device including at least one processor configured to: (i) process, in response to input from the customer, a digital image of a machine-readable optical code of a merchant to determine corresponding merchant information and transaction information encoded in the machine-readable optical code; (ii) access a digital wallet of the customer's electronic device to determine a token that identifies a financial transaction account of the customer; (iii) process the determined information and token to generate a transaction request message representing an identifier of the merchant, a transaction amount, and the token of the customer; and (iv) send the transaction request message to a token server to request a financial transaction involving payment of the transaction amount from the financial transaction account of the customer to a financial transaction account of the merchant.