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