REAL TIME MOBILE TELEPHONY SYSTEM AND PROCESS FOR REMOTE PAYMENT, CREDIT GRANTING TRANSACTIONS

摘要

The invention is a real time mobile telephony system and process for remote payment, credit granting transactions between either a mobile user (A), as payer and a payee (B) having a POS-terminal (F) or between two mobile users (N, P), as a payer and receiver, respectively, wherein the mobile users (A, N, P) and the payees (B) are associated with the system which comprises mobile phone device (E, Q, R) and a core transaction system (C) which is in telecommunication with the mobile phone device (E, Q) of the payer during the transaction, and implements the transaction, and comprising a transaction server module (K), a data storage means (C1) and a transmission server (C2), wherein: the mobile user (A, N, P) is in communication with the transaction server module (K) by means of his mobile phone device (E, Q, R) identified by its phone number, the transaction server module (K) is a module dedicated for data base transactions, queries and financial transaction tasks; the data storage means (C1) and the transmission server (C2) are only accessible through the transaction server module (K), the transaction server module (K) comprising at least the following intelligent modules for data manipulation: a first, second and third validating means (Ka, Kb, Kc), a rejecting means (Kd), a confirming means (Ke), an authorization means (Kf), a transaction management means (Kg); and the data storage means (Cl) comprising a first sub-data storage means (C1 a) containing information about each associated mobile user (A, N, P), at least the telephon number, a safety criterion and the available credit limit, further comprising a second sub-data storage means (Cl b) containing information about each associated payee (B).