Digital mobile telephone transaction and payment system

Payment and transaction system via digital mobile telephone which processes payments and transactions between users-payers (5) and beneficiaries (6) associated with the system, at least one means of payment associated with an account with at least one financial entity associated, with a financial entities processor (4);

• and with at least the users-payers (5) and selectively the beneficiaries (6) are subscribed to a mobile telephone network (3);
• using at least one of communication by means of digital mobile telephone;
• and the financial entities processors (4) being interconnected among themselves and to the financial entities;
• wherein it comprises a plurality of payment and operations processing centers (1,1′) of different countries to which the users-payers (5) and beneficiaries (6) in each country are subscribed, and which are interconnected among themselves by means of international addressing processors (2) for carrying out payment and transactions between associated users-payers and beneficiaries selected from the same and different countries;
• the payments and operations processors (1,1′) comprising:
• telecommunication controllers (10) with a plurality of mobile telephone networks (3) of different technologies that supports different mobile telephone technologies, to which the users-payers (5) and selectively the beneficiaries (6) are associated, and which selectively communicate with a mobile telephone (7) of a user-payer (5) identified by a number selected from a telephone number and a number related therewith;
• and selectively communicating with a communications equipment (8, 8a, 8b, 22) of a beneficiary, which are identified by a communications equipment identifier;
• the telecommunications controller means (10) comprising a plurality of communications controllers (10a-10f);
• communications controller means (21) with the different financial entities processors (4) to which the users-payers and beneficiaries of a country are associated to communicate with a selected processor from the financial entities processors (4) of an associated user-payer (5) and a financial entities processor (4) of an associated beneficiary (6);
• an operations processor (11) to communicate with controller means selected from the telecommunications controller means (10) and the communication controllers means (21) and receive data selected from first identification data on associated users-payers (5), receive in addition to the first data, second identification data on an associated beneficiary (6) through the telecommunications means and to receive, in addition to the first data, third data related to an associated beneficiary (6) through the controller means (10);
• the operations processor (11) generating a validation request selected from a validation request of an associated user-payer (5), of an associated beneficiary (6), of a reference and a combination thereof;
• the operations processor (11) comprising identifying means (11a) of data referring to different payment and transaction modalities received in addition to the selected data between the first, second and third data;
• an wallet processor (12) that is connected to the operations processor (11) and which accesses first storing means (13) of at least first identification information on each associated user-payer (5) and relating with a number selected from a telephone number assigned to a mobile telephone (7) and a number related therewith of each associated user-payer;
• to process the first identification data of an associated user-payer (5) received in a request for validation of an associated user-payer, and generate a validation message of the associated user-payer;
• the first storing means further comprising second identification information on the means of payment of each associated user-payer, said second information being related to the first information, and with an identification of the financial entities processor (4) to which each means of payment is associated;
• a merchant processor (14) that is connected to the operations processor (11) and which accesses the second storing means (15) of at least the first identification information of each associated beneficiary and related with the identifying code of each communications equipment of each associated beneficiary to process the second identification data of an associated beneficiary, received in a validation request of a beneficiary, and generate an associated beneficiary validation;
• the second storing means (15) further comprising second information identifying the means of payment of each associated beneficiary and related to the first identification information of each associated beneficiary and with an identification of the financial entities processor (4) to which the means of payment of each associated beneficiary is associated, so that the operations processor obtains the associated beneficiary validation message, selectively, together with the means of payment of said associated beneficiary, and with the identification of the financial entities processor to which said associated beneficiary is associated;
• a references processor (16) that is connected to the operations processor (11) and accesses third storing means (17) of at least first identification information of a plurality of references, at least each one of which being related with the identification of an associated beneficiary and with a selected identification selected from at least one identification of the price/currency selected from a product and service and an identifier of the communications equipment to process the third identification data of a reference received in a reference validation request and generate a reference validation message comprising the identification selected from a price/currency, selected from a product and service, identification of an associated beneficiary, the identifier of the communications equipment an associated beneficiary, and any combinations thereof;
• the wallet processor (12) comprising:
• first detector means (12a1) to obtain the means selected from the means of payment of an associated user-payer (5), of an associated beneficiary (6) and the common means of payment of an associated user-payer (5) and an associated beneficiary (6), and generate a transaction authentication request message when, selectively, a message selected from a validation message of an associated user-payer and of an associated beneficiary has been generated, and when, selectively, a validation message of an associated user-payer, of an associated beneficiary, and of an associated reference has been generated;
• and, selectively, send said authentication request message to the mobile telephone (7) of an associated user-payer;
• the authentication message comprising, selectively, the means selected from the means of payment of the associated user-payer, of the associated beneficiary, and the common means of payments of an associated user-payer and an associated beneficiary;
• a request to introduce a security parameter;
• a selection request selected from at least one means of payment of an associated user-payer, and of a common means of payment of an associated user-payer and the associated beneficiary;
• identification of the associated beneficiary;
• information selected from a product and a service;
• and a price selected from the price of the product and the price of the selected service of an associated beneficiary;
• second detecting means (12a2) for obtaining a response message to the authentication sent message, selectively comprising the security parameter, and, selectively, an encrypted sequence related thereto and, at the least, means of payment selected by the associated user-payer;
• said second detecting means accessing the first storing means (13), which further comprises third identification information, selected from an authentication referring to the realization of an authentication in the financial entities processor (4), of an associated user-payer, an authentication in the financial entities processor (4) of an associated user-payer through a financial entities processor (4) of an associated beneficiary, and a delegated authentication in the payments and operations processor (1,1′) the authentication comprising a selective check that the security parameter and selective that the encrypted sequence is associated to at least the means of payment selected by the associated user-payer, check that said at least selected means of payment is associated to the first identification information of the associated user-payer, and a subsequent transaction authorization;
• so as to carry out the transaction via the financial entities processors (4) and send the transaction results to the mobile telephone of the associated user-payer and to the communications equipment of the associated beneficiary;
• the first storing means (13) comprise fourth identification information of a user-payer associated to remote payments and operations processors (1′) said fourth identification information being accessed by the wallet processor (12) for, upon processing the first data and detecting an identification of a user-payer associated to a remote payments and operations processor (1′), generating a routing message comprising at least the first data, a validation and authentication request of a user-payer associated to a remote payments and operations processor, and the means of payment of the associated beneficiary;
• the third storing means (17) comprising second identification information on references associated to remote payments and operations processors (1′), so that when the references processor (16) processes the third data received in a reference validation request, upon detecting an identification of a reference associated to a remote payments and operations processor (1′), generate a routing message comprising at least the third data and the results of a validation of the associated user-payer;
• the payments and operations processor further comprising a routing processor (18) for processing routing messages, which is connected to the operations processor (11) and accesses fourth storing means (19) of at least a first identification information of at least one international addressing processor (2) to send from said processor the routing message to the remote payments and operations processor (1′), wherein an operation selected from selectively validating the user-payer, reference, and beneficiary which are associated to a remote payments and operations processor (1′), process the authentication and generate a routing message containing a message selected from a validation and authentication request message, the results of a validation and of an authentication, and a transaction;
• the payments and operations processor (1), comprising a technology detecting processor (68) which selectively accesses, the first storing means (13) comprising fifth identification information on the mobile telephone networks (3) and the associated technology to each associated user-payer (5), and sixth information identification on the technology of the mobile telephone (7) of each associated user-payer, and relating the telephone number of the corresponding user-payer;
• selectively accessing the second storing means (15) comprising third identification information on the mobile telephone networks and the corresponding technology thereof, associated to each associated beneficiary (6) and selectively accesses fourth identification information on the technology associated to the communications equipment (22, 8, 8a, 8b) of each associated beneficiary to selectively allow the selective communication with a mobile telephone (7) of a user-payer and, selectively, with a communications equipment (22, 8, 8a, 8b) of a beneficiary, through the mobile telephone network (3) to which, a user-payer is selectively associated and a beneficiary is selectively associated;
• the payments and operations processor further comprises an invoicing and transaction management processor (45) which is connected to seventh storing means (39) to store identification of the different transactions carried out, each transaction identification being related with the type of operation carried out in the transaction, the identification of the user-payer involved in the transaction, transaction amount, transaction currency, and identification of the associated beneficiary involved in the transaction.