Digital mobile telephone transaction and payment system

摘要

Allows for the use of any type of mobile telephone as an activating equipment for payment devices using any mobile telephone network employing any technology in any country connected to the system. Includes a group of payment and operations processing centres ( 1 ) in different countries, which are interconnected through international addressing processors ( 2 ) to carry out transactions and payments among users-payers and beneficiaries associated to the system in either the same or different countries. The centres ( 1 ) have a specific structure in order to allow for different types of purchases, consultations, modifications and the authentication of payment devices. The invention allows for all of the different messages exchanged to use voice messaging. In addition the invention allows for the use of a mobile telephone of a beneficiary/merchant as a POS ( 22 ) to carry out transactions.