Electronic payment transaction via sms
OwnerPierre Chappuisinventor
Life of this patent
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Abstract
The present invention makes available a method for handling electronic payment transactions using a mobile terminal 1, in particular a mobile telephone, which method comprises the following steps: transmission of a payment request from the mobile terminal 1 to a payment handling centre 6; transmission of the desired payment modalities from the mobile terminal 1 to the payment handling centre 6; allocation of an individual transaction code or clearance code for each payment transaction, and transmission of the allocated transaction code or clearance code to the mobile terminal 1 and/or a payee 8.
Claims29
A method for handling electronic payment transactions using a mobile terminal (1), in particular a mobile telephone, comprising the following steps:
- transmission of a payment request from the mobile terminal (1) to a payment handling centre (6);
- transmission of the desired payment modalities from the mobile terminal (1) to the payment handling centre (6),
- characterised by the further steps:
- allocation of an individual transaction code or clearance code for each payment transaction;
- transmission of the allocated transaction code or clearance code to the mobile terminal (1) and/or a payee (8).
A method according to any one of the preceding claims, characterised in that the individual transaction code or clearance code is provided with a freely definable validity time limit.
A method according to any one of the preceding claims, characterised in that the transmission of the individual transaction code or clearance code constitutes clearance of the payment transaction.
A method according to any one of the preceding claims, characterised in that the transmission of the transaction code or clearance code from the payment handling centre to the payee is effected via the mobile terminal.
A method according to any one of the preceding claims, characterised in that the communication between the mobile terminal (1) and the payment handling centre (6) is effected at least in part via a data channel or signalling channel of an air interface (3).
A method according to any one of the preceding claims, characterised in that data read from a memory (2) in the mobile terminal (1) are used in the communication between the mobile terminal (1) and the payment handling centre (6).
A method according to any one of the preceding claims, characterised in that the payment modalities contain credit card information.
A method according to any one of the preceding claims, characterised in that the communication between the mobile terminal (1) and the payment handling centre (6) is effected in an encrypted manner.
A method according to any one of the preceding claims, characterised in that after the payment transaction information regarding the transaction is stored in a memory (2) of the mobile terminal (1).
A method according to any one of the preceding claims, characterised in that the payment is effected immediately or in a time-delayed manner according to the payment modalities.
A software program, characterised in that it makes possible the implementation of a method according to any one of the preceding claims.
Dependencies are inferred from the claim text.