| 摘要 |
This invention is a real time mobile tele-payment system that relates to payments of bills of mobile users, or providing the mobile users with the information about their bank account, the statement of account, or the movement on the account in a real time basis, by using their portable telephones under any wireless telecommunications systems. Certain features of this invention are intended as an expansion of value-added services of currently existing mobile communications systems. This invention also provides the retail and trading businessmen with the possibility to charge their customers, via wireless communications networks and in a real time basis, by using their mobile telephones. In this invention, in order to pay his/her bills, a mobile telephone subscriber enters the payment (bill) information and the payee's account number into the mobile payment part (10) which is included in his/her mobile telephone (1) or (6). After having dialled the telephone number of computing station (2) which is based in the bank (3), the payment information will be sent to the computing station (2) via a mobile communications network (4). In the computing station (2) the calling party's identity will be checked and then the payment will be transferred from the calling party's bank account to the payee's account and then both the calling party and the payee will be informed about the relevant payment. In this invention, the portable telephone is also equipped with a small charge slip printer which can print a receipt for customers of retail businesses. |
