MOBILE PHONE HIGHLY SECURED AND/OR NFC OLTP

摘要

The invention ('The Solution') relates to an integrated solution for highly secured bi-directional processing of transactions from mobile phones, with or without NFC mode, and in real-time. Said transactions can be financial such as the payment and purchase of products and services, transfers, payments, deposits, withdrawals, electronic code and ticket purchases, credit, as well as customer loyalty, checking of transport tickets, registration, authentication and/or identification, administrative and information-related transactions and others, from any location with mobile telecommunication network coverage and at any time. The information for processing transactions is exchanged via a physical module, containing a high-security chipset and/or a microchip and an NFC antenna, inserted in the mobile phone, and including an operating system and a software application using the latest protocols and formats known in the world for secured transactions. The information is transmitted directly by the telephone over the telecommunications network or via a terminal using the NFC function to a front-end server (application software) which manages identification, authentication and security, processing and finally routing the messages to the relevant processing platforms for the transaction in question. Same server is also used to process and manage the messages sent back to the mobile phones. The invention covers multiple types of functional uses in all economic spheres: Business-to-Business (B2B), Business-to-Consumer (B2C), Person-to-Person (P2P), as well as in government spheres: taxes, e-government, etc. The invention targets all types of financial institutions, state bodies and all types of companies, in particular in the power, telecommunications, retail (all products and services), transport and healthcare industries, among others. Said entities are issuers and/or buyers of the solution. The invention allows said entities to implement a solution for managing secured electronic transactions that is suitable for the global market context at a reduced cost, while allowing the latter substantially to expand their portfolios of user customers and the number of acceptance and/or identification points. Consequently, the solution generates income and added value. Users of the solution benefit from multiple functions, which can be increased over time in accordance with the needs of the market.