| 摘要 |
By linking together mobile telephony systems having small messageservice capacity and payment clearance systems such as those operated by banks and credit card companies, substantial facilitationof electronic payments may be achieved. Existing security systemsdesigned to protect the mobile telephony system, for example SIM cards and optional encryption provide a base level of transactionsecurity which may be enhanced by suitable programming to requirethe use of a PIN to validate a transaction. By linking such systems with e.g. ATMs, the usefulness of a mobile telephone, where each assigned telephone number essentially functions as a player identity number (or, in certain enhancements, as an account number), substantial transaction economics can be achieved without compromising security, with excellent audit trail features and with automatically generated confirmations and acknowledgements.
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