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DE10028028A1 - Use of mobile telephone and SMS messaging with credit card or account to make transaction - Google Patents

Use of mobile telephone and SMS messaging with credit card or account to make transaction

Info

Publication number
DE10028028A1
DE10028028A1 DE10028028A DE10028028A DE10028028A1 DE 10028028 A1 DE10028028 A1 DE 10028028A1 DE 10028028 A DE10028028 A DE 10028028A DE 10028028 A DE10028028 A DE 10028028A DE 10028028 A1 DE10028028 A1 DE 10028028A1
Authority
DE
Germany
Prior art keywords
payment
credit card
customer
bank
card company
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
DE10028028A
Other languages
German (de)
Inventor
Ernst Forster
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to DE10028028A priority Critical patent/DE10028028A1/en
Publication of DE10028028A1 publication Critical patent/DE10028028A1/en
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Purchasing transactions are made using credit card details over a mobile telephone link. The transaction uses a bank transmitted SMS message containing account data and the customer uses is PIN number in a return SMS message.

Description

Stand der TechnikState of the art

Zur Zeit ist ein sicheres Bezahlen über das Internet immer noch problematisch und auch das Bezahlen mit Mobiltelefonen noch nicht perfekt.There is currently secure payment via the Internet still problematic and also paying not yet perfect with mobile phones.

Es ist daher Aufgabe der vorliegenden Erfindung, ein Verfahren zur Verfügung zu stellen, welches ein einfaches und sicheres Bezahlen über Mobiltelefone ermöglicht. Dieses Verfahren eignet sich weiterhin auch für weltweites sicheres Bezahlen über das Internet oder für das Bezahlen von Rechnungen. Benötigt werden lediglich die Kreditkartenfirma oder die Bank des Kunden, sowie seine Mobilfunknummer.It is therefore an object of the present invention to provide a process which a easy and secure payment via mobile phones enables. This method is still suitable also for worldwide secure payments via the Internet or for paying bills. All you need is the credit card company or the customer’s bank, as well as his Mobile number.

Ein bestehendes Verfahren löst dieses Problem mit einem Rückruf und Vorlesen der Transaktionsdaten. Dieses Verfahren hat folgende Nachteile. (1) Ein zeitversetztes Bezahlen ist nicht möglich. Das Handy muss bei der Bezahlungsaufforderung eingeschaltet sein. (2) Kunde und Händler müssen Mitglied bei dem Bereitsteller des Verfahrens sein. (3) Das Inkasso ist problematisch. (4) Bei Nebengeräuschen können Informationen verloren gehen. (5) Durch den Anruf entstehen hohe Kosten.An existing process solves this problem a call back and reading out the transaction data. This method has the following disadvantages. (1) A Delayed payment is not possible. The Mobile phone must be used when requesting payment to be on. (2) Customer and dealer must Be a member of the provider of the process. (3) Collection is problematic. (4) At Noises can cause information to be lost go. (5) The call incurs high costs.

Beschreibungdescription

Das vorliegende Verfahren enthält folgende Teilnehmer:
Kunde, Händler und Kreditkartengesellschaft bzw. Bank.The present procedure contains the following participants:
Customer, dealer and credit card company or bank.

Das vorliegende Verfahren benutzt folgende technische Komponenten:
Mobilfunktelefon, SMS (Short Message Service = Kurznachrichtendienst) oder WAP (Wireless Application Protocol = Beschränkter Internetzugang per Funk), Datenfernübertragung zwischen Händler und Kreditkartengesellschaft oder der Bank. PIN (Personal Identification Number = Nummer zum Autorisieren der Zahlung oder des Zugriffs.)The present process uses the following technical components:
Mobile phone, SMS (Short Message Service) or WAP (Wireless Application Protocol = limited internet access via radio), data transmission between merchant and credit card company or the bank. PIN (Personal Identification Number = number to authorize payment or access.)

Das vorliegende Verfahren zieht seine Sicherheit aus der Verbindung der Mobilfunknummer des Kunden mit seinem Kreditkarten bzw. Bankkonto. Wird eine Zahlung über sein Konto angefragt, sendet die Bank eine SMS an genau sein Mobilfunktelefon. Der Kunde erhält somit sofort eine Information von der Kreditkartengesellschaft oder Bank per SMS auf sein Mobilfunktelefon, wer welchen Betrag von ihm fordert. Bestehende Strukturen und Abrechnungsgeräte von Kreditkartengesellschaften können nahtlos eingebunden werden. Nur wenn der Kunde die Zahlung mit seiner PIN als SMS beantwortet, wird die Zahlung bestätigt. The present procedure takes off its security the connection of the customer's mobile number with his credit card or bank account. Will one The bank sends the request for payment via his account an SMS to exactly his cell phone. The The customer immediately receives information from the Credit card company or bank via SMS his cellular phone, who's what amount from him demands. Existing structures and Credit card company billing devices can be integrated seamlessly. Only if the Customer payment with his PIN as SMS answered, the payment is confirmed.  

Das vorliegende Verfahren funktioniert wie folgt:
The present procedure works as follows:

  • a) Der Kunde übergibt seine Mobilfunknummer und den Namen seiner Kreditkartengesellschaft oder Bank an den Verkäufer. Dies kann manuell oder per Bluetooth (sprich Funkübertragung) geschehen.a) The customer transfers his mobile number and the name of his credit card company or bank to the seller. This can be done manually or via Bluetooth (i.e. radio transmission) happen.
  • b) Die Zahlungsdaten werden wie gewohnt, jedoch zusammen mit der Mobilfunknummer per Datenfernübertragung an die Bank oder Kreditkartenfirma übermittelt.b) The payment details are as usual, however together with the mobile number by Remote data transmission to the bank or Credit card company submitted.
  • c) Die Bank oder Kreditkartengesellschaft sendet eine SMS an die Mobilfunknummer des Kunden mit den Zahlungsdaten.c) The bank or credit card company sends an SMS to the customer's mobile number with the payment details.
  • d) Der Kunde erhält die SMS mit den Zahlungsdaten und bestätigt die Zahlung mit einer SMS, die seine PIN enthält. (Eventuell wird auch eine Transaktionsnummer vergeben, damit verschiedene offene Buchungen unterscheidbar werden.)d) The customer receives the SMS with the Payment data and confirms the payment with an SMS containing his PIN. (Perhaps a transaction number is also assigned, with it various open bookings become distinguishable.)
  • e) Die Bank oder Kreditkartengesellschaft erhält die SMS des Kunden.e) The bank or credit card company receives the customer's SMS.
  • f) Nach Überprüfung der PIN wird die Zahlung durch die Bank oder Kreditkartengesellschaft bestätigt.f) After checking the PIN, the payment through the bank or credit card company approved.
  • g) Der Händler erhält per Datenfernübertragung die Zahlungsbestätigung.g) The dealer receives via remote data transmission the payment confirmation.
  • h) Der Kunde erhält den Beleg und oder die Ware.h) The customer receives the receipt and or the goods.

Das vorliegende Verfahren hat somit folgende Vorteile.
The present method therefore has the following advantages.

  • 1. Die Kreditkartennummer wird nicht bekannt1. The credit card number is not known
  • 2. Der Kunde muss seine Kreditkarte oder Bankkarte nicht mitführen und kann trotzdem damit bezahlen.2. The customer must use his credit card or Do not carry your bank card with you and still can pay with it.
  • 3. Der Kunde kann auch zeitversetzt bezahlen.3. The customer can also pay with a time delay.
  • 4. Der Kunde sieht klar, wer welchen Betrag von ihm verlangt.4. The customer clearly sees who's which amount of demands him.
  • 5. Der Händler und Kunde müssen nicht bei weiteren Gesellschaften Mitglied werden, um das Verfahren zu nutzen.5. The dealer and customer do not have to other companies to become a member to use the procedure.
  • 6. Das bestehende Inkasso der Kreditkartengesellschaft oder Bank wird integriert.6. The existing collection of Credit card company or bank will integrated.
  • 7. Durch die Einbindung der weltweit agierenden Kreditkartenfirmen oder Banken ist das Verfahren international einsetzbar. Der Kundendatensatz wir einfach um die Mobilnummer erweitert.7. By integrating global players Credit card companies or banks are Process can be used internationally. The Customer record we just around the Mobile number expanded.

Dieses Verfahren ist auch per WAP möglich und läuft dann wie folgt ab.
This procedure is also possible via WAP and then proceeds as follows.

  • a) Der Kunde übergibt seine Mobilfunknummer und den Namen seiner Kreditkartengesellschaft oder Bank an den Verkäufer. Dies kann manuell oder per Bluetooth (sprich Funkübertragung) geschehen. a) The customer transfers his mobile number and the name of his credit card company or bank to the seller. This can be done manually or via Bluetooth (i.e. radio transmission) happen.  
  • b) Die Zahlungsdaten werden wie gewohnt, jedoch zusammen mit der Mobilfunknummer per Datenfernübertragung an die Bank oder Kreditkartenfirma übermittelt.b) The payment details are as usual, however together with the mobile number by Remote data transmission to the bank or Credit card company submitted.
  • c) Die Bank oder Kreditkartengesellschaft stellt anhand der Mobilfunknummer die Zahlungsinformationen auf der WAP Seite des Kunden zur Verfügung. Diese Seite ist mit der PIN des Kunden geschützt.c) The bank or credit card company provides based on the mobile phone number Payment information on the WAP page of the Available to customers. This page is with the Customer's PIN protected.
  • d) Der Kunde bestätigt die Zahlung(en) mit seiner PIN oder einen zweiten PIN.d) The customer confirms the payment (s) with his PIN or a second PIN.
  • e) Nach Überprüfung der PIN wird die Zahlung durch die Bank oder Kreditkartengesellschaft bestätigt.e) After checking the PIN, the payment through the bank or credit card company approved.
  • f) Der Händler erhält per Datenfernübertragung die Zahlungsbestätigung.f) The dealer receives via remote data transmission the payment confirmation.
  • g) Der Kunde erhält den Beleg und oder die Ware.g) The customer receives the receipt and or the goods.

Folgende Sicherheitsmechanismen wären für das Verfahren zweckmässig.The following security mechanisms would be for that Appropriate procedure.

Bei dreimaliger Falschübermittlung der PIN wird die vorliegende Zahlungsweise gesperrt. Der Kunde kann sie zum Beispiel mit einer zwölfstelligen Zahl wieder freischalten.If the PIN is incorrectly transmitted three times, the current form of payment blocked. The customer can, for example, with a twelve-digit number Unlock again.

Claims (2)

1. Verfahren zum sicheren Bezahlen mit einem Mobiltelefon und SMS über Kreditkarten oder Konten aller Art
  • a) Der Kunde übergibt seine Mobilfunknummer und den Namen seiner Kreditkartengesellschaft oder Bank an den Verkäufer.
  • b) Die Zahlungsdaten werden wie gewohnt, jedoch zusammen mit der Mobilfunknummer per Datenfernübertragung an die Bank oder Kreditkartenfirma übermittelt.
  • c) Die Bank oder Kreditkartengesellschaft sendet eine SMS an die Mobilfunknummer des Kunden mit den Zahlungsdaten.
  • d) Der Kunde erhält die SMS mit den Zahlungsdaten und bestätigt die Zahlung mit einer SMS, die seine PIN enthält. (Eventuell wird auch eine Transaktionsnummer vergeben, damit verschiedene offene Buchungen unterscheidbar werden.)
  • e) Die Bank oder Kreditkartengesellschaft erhält die SMS des Kunden.
  • f) Nach Überprüfung der PIN wird die Zahlung durch die Bank oder Kreditkartengesellschaft bestätigt.
  • g) Der Händler erhält per Datenfernübertragung die Zahlungsbestätigung.
  • h) Der Kunde erhält den Beleg und oder die Ware.
1.Procedures for secure payment with a mobile phone and SMS via credit cards or accounts of all kinds
  • a) The customer transfers his mobile number and the name of his credit card company or bank to the seller.
  • b) The payment data are transmitted as usual, however, together with the mobile phone number, to the bank or credit card company via remote data transmission.
  • c) The bank or credit card company sends an SMS to the customer's cell phone number with the payment details.
  • d) The customer receives the SMS with the payment data and confirms the payment with an SMS containing his PIN. (A transaction number may also be assigned so that different open bookings can be distinguished.)
  • e) The bank or credit card company receives the SMS from the customer.
  • f) After checking the PIN, the payment is confirmed by the bank or credit card company.
  • g) The merchant receives the payment confirmation via remote data transmission.
  • h) The customer receives the receipt and or the goods.
2. Verfahren zum sicheren Bezahlen mit einem Mobiltelefon und WAP über Kreditkarten oder Konten aller Art
  • a) Der Kunde übergibt seine Mobilfunknummer und den Namen seiner Kreditkartengesellschaft oder Bank an den Verkäufer. Dies kann manuell oder per Bluetooth (sprich Funkübertragung) geschehen.
  • b) Die Zahlungsdaten werden wie gewohnt, jedoch zusammen mit der Mobilfunknummer per Datenfernübertragung an die Bank oder Kreditkartenfirma übermittelt.
  • c) Die Bank oder Kreditkartengesellschaft stellt anhand der Mobilfunknummer die Zahlungsinformationen auf der WAP Seite des Kunden zur Verfügung. Diese Seite ist mit der PIN des Kunden geschützt.
  • d) Der Kunde bestätigt die Zahlung(en) mit seiner PIN oder einen zweiten PIN.
  • e) Nach Überprüfung der PIN wird die Zahlung durch die Bank oder Kreditkartengesellschaft bestätigt.
  • f) Der Händler erhält per Datenfernübertragung die Zahlungsbestätigung.
  • g) Der Kunde erhält den Beleg und oder die Ware.
2. Procedure for secure payment with a mobile phone and WAP using credit cards or accounts of all kinds
  • a) The customer transfers his mobile number and the name of his credit card company or bank to the seller. This can be done manually or via Bluetooth (i.e. radio transmission).
  • b) The payment data are transmitted as usual, however, together with the mobile phone number, to the bank or credit card company via remote data transmission.
  • c) The bank or credit card company uses the mobile phone number to provide the payment information on the customer's WAP page. This page is protected with the customer's PIN.
  • d) The customer confirms the payment (s) with his PIN or a second PIN.
  • e) After checking the PIN, the payment is confirmed by the bank or credit card company.
  • f) The merchant receives the payment confirmation via remote data transmission.
  • g) The customer receives the receipt and or the goods.
DE10028028A 2000-06-08 2000-06-08 Use of mobile telephone and SMS messaging with credit card or account to make transaction Withdrawn DE10028028A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
DE10028028A DE10028028A1 (en) 2000-06-08 2000-06-08 Use of mobile telephone and SMS messaging with credit card or account to make transaction

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE10028028A DE10028028A1 (en) 2000-06-08 2000-06-08 Use of mobile telephone and SMS messaging with credit card or account to make transaction

Publications (1)

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DE10028028A1 true DE10028028A1 (en) 2001-12-13

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Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10133392A1 (en) * 2001-07-13 2003-01-30 T Mobile Deutschland Gmbh Cash on delivery payment method whereby upon delivery of goods payment is made using a multipurpose card such as a phone card or check card in conjunction with a mobile payment terminal
WO2003049364A1 (en) * 2001-12-04 2003-06-12 Conceptm Company Limited System and method for facilitating electronic financial transactions using a mobile telecommunication device
EP1483866A1 (en) * 2002-03-13 2004-12-08 Beamtrust A/S A method of processing an electronic payment cheque
AU2002349173B2 (en) * 2001-12-04 2005-04-28 Conceptm Company Limited System and method for facilitating electronic financial transactions using a mobile telecommunication device
NL1026695C2 (en) * 2004-07-21 2006-01-24 Telesystems Holding Gmbh Verification of a communication connection.
US7103356B2 (en) 2001-12-11 2006-09-05 Bally Wulff Holding Gmbh & Co. Kg Method of operating a money game means
WO2008015637A3 (en) * 2006-08-02 2008-07-03 Firstrand Bank Ltd Mobile payment method and system
US7533058B2 (en) 2002-11-27 2009-05-12 Mpay International Sp. Z O.O. Method of accounting and effecting electronic transactions
EP1498861A3 (en) * 2003-06-24 2009-09-16 LG TeleCom, Ltd. System for providing banking services by use of mobile communication system

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10133392A1 (en) * 2001-07-13 2003-01-30 T Mobile Deutschland Gmbh Cash on delivery payment method whereby upon delivery of goods payment is made using a multipurpose card such as a phone card or check card in conjunction with a mobile payment terminal
DE10133392C2 (en) * 2001-07-13 2003-05-15 T Mobile Deutschland Gmbh Procedure for ensuring simultaneous transfer of value - financial / material - when the product is handed over to the buyer in the case of mail-order transactions or deliveries to addresses specified by the buyer by means of cashless payment transactions
WO2003049364A1 (en) * 2001-12-04 2003-06-12 Conceptm Company Limited System and method for facilitating electronic financial transactions using a mobile telecommunication device
AU2002349173B2 (en) * 2001-12-04 2005-04-28 Conceptm Company Limited System and method for facilitating electronic financial transactions using a mobile telecommunication device
US7379920B2 (en) 2001-12-04 2008-05-27 Gary Leung System and method for facilitating electronic financial transactions using a mobile telecommunication device
US7103356B2 (en) 2001-12-11 2006-09-05 Bally Wulff Holding Gmbh & Co. Kg Method of operating a money game means
EP1483866A1 (en) * 2002-03-13 2004-12-08 Beamtrust A/S A method of processing an electronic payment cheque
US7533058B2 (en) 2002-11-27 2009-05-12 Mpay International Sp. Z O.O. Method of accounting and effecting electronic transactions
EP1498861A3 (en) * 2003-06-24 2009-09-16 LG TeleCom, Ltd. System for providing banking services by use of mobile communication system
NL1026695C2 (en) * 2004-07-21 2006-01-24 Telesystems Holding Gmbh Verification of a communication connection.
WO2006009424A3 (en) * 2004-07-21 2006-07-13 Telesystems Holding Gmbh Verification of a data link
WO2008015637A3 (en) * 2006-08-02 2008-07-03 Firstrand Bank Ltd Mobile payment method and system

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