| 摘要 |
The present invention is directed to a wireless payment platform that may offer a payment, negotiation and or barter mechanism for users with a mobile device. The wireless payment platform may utilize the convenience and adaptability of the mobile device of the users. Such a payment, barter and negotiation mechanism may offer more security to transactions by adding a transaction confirmation facility using conventional communications technologies, such as the Short Message Service or SMS, Interactive Voice Response (IVR) technology, and the like. Financial transactions may be conducted on a person-to-person basis where each user may be identified by a unique identifier such as a telephone number, caller ID, and the like. The wireless payment platform may also include a negotiating and barter module capable of allowing users to exchange offers of settlement until one offer is accepted.
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