COMPUTERIZED METHOD AND SYSTEM FOR DIGITAL PAYMENTS
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United States of America
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Issued Date -
Jan 16, 2025
app pub date -
Nov 15, 2022
filing date -
Nov 15, 2022
priority date (Note) -
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Abstract
A computerized method (100) in a digital payment system (1) involves registering (110) of transaction data (TBS) for a digital payment. The transaction data comprises an alias of the payer, an alias of the payee, and a representation of a payment amount which is covered by a reservation of funds in an account managed by the payment service provider. The method involves signing (120) of the transaction data, followed by communicating (130) the signed transaction data (P, TBS) to enable verification (140) at the payment service provider or payment server function. The payee communication device (PD2) receives (132) the signed transaction data (P, TBS) which includes a specification of a verification resource and uses (912) the specification of the verification resource to make a verification request (134; 914) at the payment service provider or payment server function. Subject to successful verification, the method concludes to enable settlement (150) of the digital payment.
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