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SYSTEM AND METHOD OF FACILITATING CONTACTLESS PAYMENT TRANSACTIONS ACROSS DIFFERENT PAYMENT SYSTEMS USING A COMMON MOBILE DEVICE ACTING AS A STORED VALUE DEVICE
SYSTEM AND METHOD OF FACILITATING CONTACTLESS PAYMENT TRANSACTIONS ACROSS DIFFERENT PAYMENT SYSTEMS USING A COMMON MOBILE DEVICE ACTING AS A STORED VALUE DEVICE
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机译:使用通用移动设备作为储值设备促进不同支付系统之间的无支付支付交易的系统和方法
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摘要
A system for facilitating contactless payment transactions across different contactless payment systems using a common mobile device that acts as a stored value device is provided. A combination of a mobile application and a communication module allows the mobile device, which is associated with one payment system, to emulate various transmission standards and data exchange formats that are used in different payment systems in order to perform contactless payment transactions with merchants that are associated with different contactless payment systems. A service application running in a service operator computer communicates with the various contactless payment systems to facilitate the settlement of the amount owed to various payment systems by the one payment system associated with the mobile device.
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