System and method for controlling financial transactions...

G - Physics – 07 – F

Patent

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Details

G07F 19/00 (2006.01) G06Q 20/00 (2006.01) H04M 17/00 (2006.01)

Patent

CA 2316389

A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless device. The customer can either accept the transaction amount to complete the transaction or reject the amount to cancel the transaction. The customer may have to enter a password or personal identification number to verify the authorization to use the wireless financial system. The customer is billed for the transaction via credit, debit, ATM or other methods, such as the wireless carrier or an internet provider.

Cette invention se rapporte à un système et à un procédé de commande de transactions financières. A cet effet, un client identifie, au moyen d'un dispositif sans fil, un point de vente et le prix d'une transaction à ce point de vente est d'abord communiqué à un service central et ensuite transmis au dispositif sans fil pour y être affiché. Le client peut soit accepter le prix de la transaction pour réaliser la transaction, soit refuser le prix pour annuler la transaction. Il se peut que le client doive entrer un mot de passe ou un numéro d'identification personnel pour vérifier l'autorisation d'utilisation du système financier sans fil. Le client reçoit une facture pour la transaction en question via un crédit, un débit, un guichet automatique ou d'autres procédés, par exemple par l'intermédiaire de l'entreprise de télécommunication ou par le fournisseur d'accès à Internet.

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