A MOBILE TELECOMMUNICATIONS NETWORK-BASED SALES TRANSACTION SYSTEM

摘要

The objective of the present invention is to devise an m-commerce system which, without need for transferringcredit card numbers or other confidential information relat-ing to a customer, offers providers of services and goodsa centralized site that performs customer's validation,checks solvency, makes an invoice, carries out clearing ofaccounts, and collects and processes statistical informa-tion. The m-commerce system stores virtual bank ac-counts for each customer joined to the system. The ac-count indicates the customer's solvency. The system alsostores information about the customers and merchantsjoined to the system. The system receives a solvency in-quiry sent by a merchant through the mobile telecommu-nications network. In response to the inquiry the m-commerce system checks whether the customer has sol-vency for the purchase. If so, the merchant server sends asale message that includes all the details of the transac-tion concerned. In response to the sale message the m-commerce system starts data processing, during whichthe merchant's account is credited, the customer's ac-count is debited, and statistics and necessary databasesare updated.