Abstract: A system and a method for executing payments over a communication network are presented. The system performs payments over the communication network by using a payment element. The payment element includes a user identification string. The payment element is installed in a user digital wallet application at a user device to perform a payment.

Abstract: A system, apparatus, and method for performing payments using a web browser. The payment is made by activating a uniform resource locater (URL), which is linked to a website at a server, wherein the website comprises an embedded payment program that is loaded with a predetermined amount of payment and installs the embedded payment program in the mobile device. The payment program is configured to transfer the payment data through a near-field communication (NFC) radio to a payment terminal. The payment program is deleted after performing the payment.