Digital mobile telephone transaction and payment system

Details Digital mobile telephone transaction and payment system Digital mobile telephone transaction and payment system

G - Physics

07

F

G07F 19/00 (2006.01)

Patent

CA 2552264

The invention relates to a system for making transactions and payments using a digital mobile telephone, whereby any type of mobile telephone can be used as a payment means activator using any mobile telephone network (3) and any technology in any country connected to the system. The inventive system comprises a plurality of centres for processing operations and payments (1) from different countries, which are interconnected by means of international addressing processors (2) in order to perform transactions and payments between users/payers and payees associated with the system selected from the same or a different country. The aforementioned centres (1) are provided with a specific structure in order to make different types of purchases and perform consultations, modifications, and authentication of the payment means. According to the invention, the different messages exchanged can be spoken. Moreover, the mobile telephone of a payee can be used as a point of sale terminal (22) in order to perform transactions.

Le système de l'invention permet l'utilisation de n'importe quel type de téléphone mobile comme moyen activateur de moyens de paiement dans n'importe quel réseau de téléphonie mobile (3) de n'importe quelle technologie de n'importe quel pays connectée au système. Le système comprend une pluralité de centres de traitement d'opérations de paiement (1) de différents pays, lesquels sont interconnectés entre eux par l'intermédiaire de processeurs d'adressage international (2) permettant de réaliser des transactions et des paiements entre des utilisateurs-payeurs et des bénéficiaires affiliés au système sélectionné entre celui-ci et le pays donné. Les centres (1) disposent d'une structure spécifique pour effectuer différents types d'achats, de consultations, de modifications et d'authentification des moyens de paiement. L'invention prévoit que les différents messages échangés puissent être parlés. De plus, l'invention permet d'utiliser un téléphone mobile d'un bénéficiaire comme TPV (22) afin de réaliser des transactions.

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