FIELD: electronics.
SUBSTANCE: invention relates to electronic payment systems using mobile devices. Payment privacy tokenisation apparatus, methods and systems (PPT) are described. What is disclosed is to transform payment token-based purchase orders into multi-issuer purchase payment funds transfers. In one embodiment, PPT obtains a token arbitration request including unique source-neutral universally-resolvable payment token information from a merchant for processing a purchase order from a user. PPT queries a token database for issuer information on an issuer using payment token information, and obtains issuer information. PPT also determines that user should be queried for payment options based on issuer information, and provides a payment options request to a user mobile device. Upon obtaining a response from mobile device, PPT generates a purchase authorisation request based on payment options and pre-defined settings for issuers to be contacted for processing purchase order, and provides generated purchase authorisation request to issuer.
EFFECT: improved security of payments.
120 cl, 44 dwg
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