1. Partially Blinding Payment Information Order + shipping address 1 #purchase + amount 2 3 Account identifier + #purchase + amount + merchant identifier Validation process 4 #purchase + amount + proof of paiement Signed by processor #purchase + ACK 5 Payment processor (acceptor*)

2. Choosing a Payment Instrument A List of schemes accepted 1 List of buyer cheme Initialisation by buyer Results of filtering 3 2 Ffiltering the 2 lists DISPLAY of reduced list 4

3. Making a Payment Without Registering

4. Payer-initiated Funds Transfer Order + shipping address 1 #purchase + amount 2 3 Account identifier + #purchase + amount + merchant identifier Validation process 4 #purchase + amount + proof of paiement #purchase + ACK 5 4.1 Bank of the buyer Bank of the merchant

5. Limiting Payee-initiated Payments initial phase – filling the account Order + account on the merchant 1 #purchase + amount for pre-funding account 2 3 Account identifier + #purchase + amount + merchant identifier Validation process 4 #purchase + amount + proof of paiement Signed by processor #purchase + ACK 5 Payment processor (acceptor*)

6. Limiting Payee-initiated Payments phase 2– spending Order + account on the merchant (simple authentication) 1 #purchase + amount + remaining credit + ack 2 #purchase + ACK

7. Proof of Payment, Hold, or Funds Order + shipping address 1 #purchase + amount 2 #purchase + signed ACK (token) 3 Forwarding the token Access to the goods or services defined by token 5 4

8. Refunds 1.1 2 3 With #purchase extract from the log, the identifier of buyer 1 #purchase Amount to be refund Fund transfer Payment processor #purchase Notification of refund / amount

9. Applying Coupons and Loyalty Cards to a Payment

10. Performing a Payment in Multiple Phases