| 摘要 |
<p>A METHOD FOR TRANSACTION AUTHORIZATION WITH THE USE OF A MOBILE PHONE, COMPRISING THE STEPS OF RECEIVING (102, 202) FROM THE USER (UR), BY THE COMMUNICATION SERVER (CS) A VOICE CALL ESTABLISHMENT REQUEST, TO ESTABLISH A VOICE CONNECTION TO A TELEPHONE NUMBER WHICH IDENTIFIES A TRANSACTION; AUTHORIZE THE TRANSACTION BY VERIFYING (112, 206) THE CREDENTIALS OF THE USER (UR); ACCEPTING (106, 214) OR REJECTING (108, 216) THE VOICE CALL; SENDING A REQUEST (116, 220) TO THE USER (UR) TO ENTER NECESSARY TRANSACTION PARAMETERS; ENTERING (118, 222) THE REQUESTED TRANSACTION PARAMETERS; VERIFYING (120, 224), BY THE AUTHORIZATION SYSTEM (AS), THE VALIDITY OF THE ENTERED PARAMETER; DETERMINING (122, 226) WHETHER THE USER (UR) HAS ENTERED ALL NECESSARY TRANSACTION PARAMETERS, INCLUDING USER?S AUTHORIZATION TO FUND THE TRANSACTION AND, PREFERABLY, A PASSWORD AUTHORIZING THE TRANSACTION; ACCEPTING THE TRANSACTION FUNDING BY THE TRANSACTION PARTY RESPONSIBLE FOR IT (124, 228), AND, IF THE AMOUNT HAS BEEN ACCEPTED, SENDING A MESSAGE WITH INSTRUCTION TO RESERVE SUFFICIENT FUNDS (126, 230) IN THE TRANSACTION FUNDING PARTY ACCOUNT TO SETTLE THE TRANSACTION; DETERMINING (128, 232) WHETHER THE AUTHORIZATION SYSTEM (AS) HAS BEEN PROVIDED WITH ALL NECESSARY THE TRANSACTION PARAMETERS; STORING (130, 234) THE TRANSACTION FOR FURTHER PROCESSING OR FORWARDING IT (132, 236) FOR SETTLEMENT.</p> |
