| 摘要 |
<p>A consumer (2) uses a mobile telephone (5) to request to sign-up for a financial transaction service which is managed by a service provider (3). The service provider (3) sends the consumer (2) a reference number (8). At an EFPOS terminal (4) consumers (2) sends the reference number (8) to their bank (6). The bank (6) authorizes the sign-on request and notifies the service provider (3). When a biller (14) requires payment, the biller sends bill data to the service provider (3) which then sends bill data on to the consumer's (2) mobile telephone (5). The consumer (2) enters a PIN in the mobile telephone (5) to authorize payment of the bill and the mobile telephone (5) sends that authorization to the service provider (3). The service provider (3) sends a debit request on to the consumer's (2) bank (6) which then credits the service provider's (3) account. The service provider (3) then settles with the biller (14).</p> |
