CUSTOMER-INITIATED PAYMENT SYSTEM AND PROCESS

摘要

A customer-initiated payment system, including: an electronic device of a customer, the electronic device including random access memory, non-volatile storage, a display, one or more interfaces to respective communications networks, and at least one processor configured to: 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; access a digital wallet of the customer's electronic device to determine a token that identifies a financial transaction account of the customer; 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 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.