| 摘要 |
This invention is a real time mobile payment system and a method that relates to the payments and bills of the mobile users and providing the mobile users with the information about their accounts, account balance, the statement of account, or the movement on the account and other required messages by using their mobile terminals (1, 6) under any wireless telecommunication system. According to one embodiment of the invention short message service facilities of at least one mobile wireless communication network (4) or a digital cordless communication system (5) are utilized through which user mobile terminals (1, 6) can send and receive to or from remote computing stations (2) payment messages and/or at least messages about the account balance, the statement of account, or the movement on the account of said mobile terminal's subscriber or user, and communicating banking, payment, and/or commerce related and other required messages. The system in one of its embodiments characterized in that means are provided for encrypting/decrypting and completely securing messages communicated between a mobile terminal (1, 6) and/or a identity module (10, 21, 39, 42) such as SIM (Subscriber Identity Module) or equivalent and a computing station using a security algorithm. <IMAGE> <IMAGE> |
