| 摘要 |
<p>The invention relates to a mobile payment system and method, said system comprising: a mobile device (4) having an application for generating tokens according to an item of temporal data that determines the expiration date of the token, a user password and a secret number stored in the mobile device; and a point-of-sale terminal (5) of a business (1), for receiving the token, user identification data and the amount of the purchase, and for sending (108) said information to a server (8). The server (8): accesses a user database (6) to validate the token and retrieve bank information to carry out the payment; accesses a business database (7) to retrieve bank information in order to credit the business (1); and sends the payment order to a payment gateway (9).</p> |
