| 摘要 |
A method for transaction authorization with the use of a mobile phone, comprising the steps of receiving (102, 202) from the mobile phone user (UK), 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 depending on feel whether the transaction authorisation is to be carried out voice based or USSD based; 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; accept 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. |
