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1. 发明申请

WO0163375A3 MOBILE TRANSACTION SYSTEM AND METHOD 审中-公开
标题翻译：移动交易系统和方法
公开(公告)号：WO0163375A3
公开(公告)日：2002-03-21
申请号：PCT/IL0100097
申请日：2001-02-15
申请人： ADAMTECH LTD , ADAM KFIR , BLIT SHMUEL , ECKSTEIN ADI , INBAL BOAZ
发明人： ADAM KFIR , BLIT SHMUEL , ECKSTEIN ADI , INBAL BOAZ
IPC分类号： G06Q20/00 , H04Q7/20
CPC分类号： G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/32 , G06Q20/325 , G06Q20/3278
摘要： A transaction system and method for conducting financial transactions, cooperating with a mobile telephony network adapted to provide telephony services to a plurality of mobile phones is disclosed. The system comprises: an administrating server adapted to administer accounts of merchants and customers, and adapted to communicate at a given time with at least one of the plurality of mobile phones of a customer via the mobile telephony network; at least one of a plurality of communication units which are located at merchants' point of sale adapted to communicate with said administrating server; wherein the communication unit is adapted to identify the mobile phone, and adapted to communicate to said administrating server a first communication message comprising transaction details, identifying the merchant, the customer and specifying an amount to be paid; wherein said administrating server is adapted to communicate the transaction details in a second communication message via the mobile telephony network to the mobile phone for authorization by the customer, and adapted to receive authorization from the customer in a third communication message from the mobile phone via the mobile telephony network; wherein said administrating unit is further adapted to communicate a transaction authorization in a fourth communication message to said communication unit; wherein said communication unit is adapted to finalize the transaction by communicating a fifth communication message to said administrating server; and wherein said administrating server is adapted, after receiving the finalizing message to debit the customer's account in the amount to be paid and credit the merchant's account accordingly.
摘要翻译：公开了一种用于进行金融交易的交易系统和方法，与适于向多个移动电话提供电话服务的移动电话网络协作。该系统包括：管理服务器，其适于管理商家和客户的帐户，并且适于在给定时间通过移动电话网络与客户的多个移动电话中的至少一个进行通信; 多个通信单元中的至少一个位于商户销售点，适于与所述管理服务器通信; 其中所述通信单元适于识别所述移动电话，并且适于向所述管理服务器通信包括交易细节，识别所述商家，所述客户并指定要支付的金额的第一通信消息; 其中所述管理服务器适于经由移动电话网络将移动电话网络中的交易细节传送到移动电话以供客户授权，并且适于在来自移动电话的第三通信消息中接收来自客户的授权移动电话网络; 其中所述管理单元还适于将第四通信消息中的交易授权传送到所述通信单元; 其中所述通信单元适于通过向所述管理服务器传达第五通信消息来完成交易; 并且其中所述管理服务器在接收到所述终止消息之后调整所述用户帐户的金额以被支付的金额并相应地向所述商户的帐户进行信用。

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