Mobile remote payment system

A computer readable medium storing non-transitory instructions for controlling a mobile remote payment switch processor, the instructions configured to cause the processor to:

• receive a payment authorization request that comprises payment data, an originating service manager identifier, and a merchant identifier;
• verify the originating service manager identifier;
• determine that the merchant is affiliated with an acquirer financial institution;
• generate enriched payment instructions that include a switching identifier and a payment gateway identifier;
• transmit the enriched payment instructions to an acquirer financial institution computer;
• receive a payment authorization response from the acquirer financial institution computer;
• generate a document control file, billing events data, and a digital receipt;
• and
• transmit the digital receipt to a merchant device of the merchant and to an originating service manager computer.

A system for handling mobile remote payment transactions, comprising:

• an originating service manager computer configured for receiving a payment authorization request from a consumer device, for authenticating the consumer device, and for transmitting the payment authorization request;
• a mobile remote payment (MRP) switch computer configured for receiving the payment authorization request from the originating service manager computer, determining a receiving service manager computer associated with a merchant identifier, generating enriched payment instructions, and transmitting the enriched payment instructions to the receiving service manager computer;
• and
• a receiving service manager computer configured for receiving the enriched payment instructions, routing the payment authorization request to an acquirer financial institution, receiving a payment authorization response and electronic receipt, and transmitting the payment authorization response and electronic receipt to the MRP switch computer and to a merchant device;
• wherein the MRP switch computer is also configured for receiving the payment authorization response and electronic receipt from the receiving service manager computer, transmitting the payment authorization response and electronic receipt to the originating service manager computer, and receiving an acknowledgment message from the originating service manager computer.

A method comprising:

• receiving, by a mobile remote payment (MRP) switch computer from an originating service manager computer, a payment authorization request that comprises payment data, an originating service manager identifier, and a merchant identifier;
• verifying the originating service manager identifier;
• determining that the merchant is affiliated with an acquirer financial institution;
• generating, by the MRP switch computer, enriched payment instructions that include a switching identifier and a payment gateway identifier;
• transmitting the enriched payment instructions to the acquirer financial institution computer;
• receiving, by the MRP switch computer, a payment authorization response from the acquirer financial institution computer;
• generating, by the MRP switch computer, a document control file, billing events data, and a digital receipt;
• and
• transmitting the digital receipt to a merchant device of the merchant and to the originating service manager computer.

A computer readable medium storing non-transitory instructions for controlling a mobile remote payment switch processor, the instructions configured to cause the processor to:

• receive a payment authorization request that comprises payment data, an originating service manager identifier, and a merchant identifier of a merchant;
• verify the originating service manager identifier;
• determine that the merchant is affiliated with an acquirer financial institution;
• generate enriched payment instructions that include a switching identifier and a payment gateway identifier;
• transmit the enriched payment instructions to an acquirer financial institution computer;
• receive a payment authorization response from the acquirer financial institution computer;
• generate a document control file, billing events data, and a digital receipt;
• and
• transmit the digital receipt to a merchant device of the merchant and to an originating service manager computer.

A system for handling mobile remote payment transactions, comprising:

• an originating service manager computer configured for receiving a payment authorization request from a consumer device, for authenticating the consumer device, and for transmitting the payment authorization request;
• a mobile remote payment (MRP) switch computer configured for receiving the payment authorization request from the originating service manager computer, determining an acquirer financial institution associated with a merchant identifier, generating enriched payment instructions, and transmitting the enriched payment instructions to the acquirer financial institution;
• and
• an acquirer financial institution computer configured for receiving the enriched payment instructions, routing the payment authorization request to a payment network, receiving a payment authorization response, generating a digital receipt, and transmitting the payment authorization response and digital receipt to the MRP switch computer;
• wherein the MRP switch computer is also configured for receiving the payment authorization response and digital receipt from the acquirer financial institution computer, transmitting the payment authorization response and digital receipt to the originating service manager computer, transmitting the digital receipt to a merchant device, and receiving an acknowledgment message from the originating service manager computer.