MOBILE PAYMENTS SYSTEM AND METHOD

摘要

A method which enables a merchant to obtain payment for a purchase from a customer who uses a mobile communication device to make the purchase, including uploading an application program to the customer's mobile communication device, and receiving a request for payment from a merchant terminal. The request for payment includes an identification code of the customer's mobile communication device and a purchase amount. The method further includes transmitting a purchase message to the customer's mobile communication device, the purchase message including an identification of the merchant, the purchase amount, and a request for purchase confirmation. The method further includes receiving a response to the request for purchase confirmation transmitted from the customer's mobile communication device, and if the response to the request for purchase confirmation is affirmative, transmitting to the merchant terminal information identifying a financial account belonging to the customer.