FIELD: physics.
SUBSTANCE: invention relates to payment systems. Method includes receiving a sending request to send a payment from a sender account of the digital wallet to a recipient account, executing an authentication protocol between the mobile device and the issuer of the sender account, writing off the requested payment from the issuer of the sender account to the sponsoring system, wherein the write-off transfers the responsibility for the return of the payment to the issuer of the sender account, and transfer of requested payment from sponsoring system to issuer of recipient account. Furthermore, if the seller is a QR-seller, the method may involve accessing the PAN and seller information from the QR-code in order to process the debit/transfer transaction using the non-issuer digital wallet account data from the non-contact interaction.
EFFECT: technical result is widening the range of products for digital wallet payments based on QR code and payments from person to person on non-issuer digital wallets.
20 cl, 7 dwg
