Tele/datacommunications payment method and apparatus

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) H04M 15/00 (2006.01)

Patent

CA 2286778

A tele/datacommunications network has a service node (TSN) (30) which facilitates payment/transfer from a customer account of a customer financial institution (80) to a merchant account of a merchant financial institution (90). The TSN (30) acquires a merchant identifier and transaction amount from a customer mobile station (60). The TSN (30) sends a transaction verification request message to both the customer mobile station (60) and the merchant terminal (70). Upon receipt of transaction verification, the TSN (30) requests transfer of the transaction amount from the customer account to the merchant account.

L'invention concerne un réseau télécommunications/transmission de données possédant un noeud de service (TSN) (30) qui facilite le paiement/transfert d'un compte client d'un institut financier (80) à un compte commerçant d'un institut financier commerçant (90). Le TSN (30) reçoit de la station mobile client (60) un identificateur commerçant et un compte de transaction. Le TSN (30) envoie un message de demande de vérification de transaction à la fois à la station mobile client (60) et au terminal commerçant (70). A réception de la vérification de transaction, le TSN (30) demande le transfert du compte transaction du compte client au compte commerçant.

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