| 摘要 |
<p>Subject of the invention is a system for safe and simple paying by way of mobile terminal which provides the user of a mobile phone or similar terminal (even the most basic one) capable of receiving and sending standardised messages (SMS, MMS, USSD and similar) that with it he can authorise and complete a credit payment in favour of the goods or service provider. The subject of invention enables simple payments by a mobile terminal which is enabled by implementing the procedure where the seller sends (step 1) the buyer (payee) to his mobile phone a draft of the original invoice (m-invoice) which includes at least the beneficiary's account as well as total amount for payment with the option of displaying some other data like for example due date and purpose so that the client can more easily identify the payment. After that the client with his private key, stored on the smart SIM card digitally signs the corresponding money order and sends the signed money order (m-payment) to the payment service provider who maintains his debit account specified in the payment instructions (step 2). After the completion of payment the payment service provider (usually a bank) sends a confirmation on the completed transaction to the buyer (step 3a) and another one to the seller (step 3b).</p> |
