METHOD AND SYSTEM FOR SAFETY AND SIMPLE PAYING WITH MOBILE TERMINAL

摘要

The subject of the invention is a system for safe and simple payment with a mobile terminal that enables the user (of even completely ordinary) mobile phone or similar mobile terminal that can receive and send standardized messages (SMS, MMS, USSD and similar) to authorize and carry out a credit payment to the provider of goods or services The subject of the invention enables simple payment with a mobile terminal, whose realisation enables the carry out of the process, where the salesman sends (step 1) to the buyer (payer) an extract of the original bill (m-b?ll), which includes at least the bill of approval and the total amount of payment, or also some other data, like the date of the currency and the purpose so that the buyer recognizes the payment easily, on his mobile phone The buyer then digitally signs the pertaining payment warrant with his private key that is stored on the smart SIM card and sends the signed payment warrant (m-payment) to the offer of the payment services where his account is open This account is stated in the payment warrant (step 2) After the implementation of the payment the offer of the payment services (usually it's the bank) sends a certificate to the buyer (step 3a) and to the salesman (step 3b), it sends a certificate that the transaction has been carried out.