Partially Blinding Payment InformationOrder + shipping address1
#purchase + amount 2
3
Account identifier +#purchase + amount+ merchant identifier
Validation process4
#purchase + amount+ proof of paiement
Signed by processor
#purchase + ACK 5
Payment processor(acceptor*)
Choosing a Payment InstrumentA
List of schemes accepted 1
List of buyer cheme
Initialisation by buyer
Results of filtering32
Ffiltering the 2 lists
DISPLAY of reduced list 4
Making a Payment Without Registering
Payer-initiated Funds TransferOrder + shipping address1
#purchase + amount 2
3
Account identifier +#purchase + amount+ merchant identifier
Validation process 4
#purchase + amount+ proof of paiement
#purchase + ACK 5
4.1Bank of the buyer Bank of the merchant
Limiting Payee-initiated Paymentsinitial phase – filling the account
Order + account on the merchant1
#purchase + amount for pre-funding account 2
3
Account identifier +#purchase + amount+ merchant identifier
Validation process4
#purchase + amount+ proof of paiement
Signed by processor
#purchase + ACK 5
Payment processor(acceptor*)
Limiting Payee-initiated Paymentsphase 2– spending
Order + account on the merchant (simple authentication)1
#purchase + amount + remaining credit + ack 2
#purchase + ACK
Proof of Payment, Hold, or FundsOrder + shipping address1
#purchase + amount 2
#purchase + signed ACK (token) 3
Forwarding the token
Access to the goods or services defined by token
5
4
Refunds
1.1
2
3
With #purchase extract from the log, the identifier of buyer
1#purchaseAmount to be refund
Fund transfer
Payment processor
#purchaseNotification of refund / amount
Applying Coupons and Loyalty Cards to a Payment
Performing a Payment in Multiple Phases