| 摘要 |
<p>A method of conducting an electronic financial transaction uses a mobile telephone. A database stores details of the trader card account along with his uniquely identifiable mobile telephone number. When a purchaser purchases goods or services from a trader, the trader uses his mobile telephone to call the transaction system and enters the details of the transaction, i.e. cost of purchase. The purchaser then either punches in his mobile number or his card account number into the trader's mobile. The system identifies the trader and the purchaser card account details and approves or declines a transaction based on the validity of the two accounts. The system then calculates any transaction fees that might be applicable to either the trader or the purchaser. It then transfers the sum of money from the purchaser's card account to the trader's account and deposits the associated transaction fee to the administrator's account.</p> |
