As far as I understand the distinction: Credit push involves the account holder instructing their FI to push funds to the receiver. Debit pull (cards) is the receiver requesting the FI to debit the funds from the payer's account and pulling them into their own. In terms of using the merchant as the transport for a push message; I guess it would qualify as push if the merchant has no way of adjusting the message sent by the payer to their FI. The biggest challenge with push is dealing with offline transactions where the payer needs to somehow pass a token or similar to the merchant that is: a) single-use/can't be spent twice b) can be verified by the payee Allowing the merchant/payee to act as a transport means you can transact when the payer is offline but not the payee so solves half the problem. On 28 October 2014 11:34, Anders Rundgren <anders.rundgren.net@gmail.com> wrote: > Adrian, > Isn't the WebCrypto++ Payment Demo actually a push-payment system? > > That it pushes *through* the merchant is because this is technically > sounder solution than using the client as "networker". > > http://webpki.org/papers/PKI/EMV-Tokenization-SET-3DSecure- > WebCryptoPlusPlus-combo.pdf#page=4 > > Anders > >
Received on Tuesday, 28 October 2014 11:32:37 UTC