| 摘要 |
The present invention relates to methods and systems for conducting payment transactions for the remote payment of the services of various service providers using a mobile device, for example a smartphone, pocket PC, mobile telephone or notebook, or a stationary device, such as a computer. The present invention can be used in systems for mobile banking and mobile and electronic commerce. During the use of a mobile application, data security is ensured with the aid of a combination of symmetric and asymmetric cryptography methods, and high-quality random keys for the execution of cryptographic operations are generated in a map module (using hsm) and are loaded onto the application in the event of an activation procedure or a key change procedure. In addition to executing payment transactions, the mobile commerce platform also performs the functions of generating reports, registering providers and banks and monitoring the functioning of the system. In alternative design embodiments of the invention it is possible to connect to the billing system of mobile operators in order to top up prepaid cards, as well as to connect directly to such systems as MasterCard BankNet. |
