METHOD AND APPARATUS FOR FACILITATING PAYMENT VIA MOBILE NETWORKS

摘要

A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider.

主权项

1. A customer apparatus for facilitating payment transactions between a customer and a product provider, the customer apparatus comprising:
a reader arranged to read a product provider artefact storing transaction data about the transaction, to obtain the transaction data; and a transaction processor arranged to connect over a communication network to a financial institution application of a financial institution administering a customer account of the customer, to provide the transaction data to the financial institution application, so that the financial institution can make payment for the transaction from the customer account.