Payments transaction processing system installed in point-of-sale terminal, selects specified telecommunication equipment based on information of mobile telephone verified using specified telephone number

摘要

A data bank (21) contains information regarding specified telephone number of payer and digital mobile telephone (16). The information corresponding to digital mobile telephone is verified using specified telephone number and a specified telecommunication equipment is selected accordingly. A server (20) verifies whether message received through telecommunication unit contains telephone number and identification code of associated payer (13) and payee (14) respectively, and whether transaction authorization request received through telecommunication unit and associated telephone number, satisfies preset authorization criterion, and whether safety parameter received through telecommunication unit satisfies safety criterion, and generates acceptance messages when specified identification code and telephone number are detected, when authorization request satisfies preset criterion and when safety parameter satisfies safety criterion, respectively. An account management unit authorized based on authorization request, processes debit and credit in payers and payee account when acceptance messages are generated. A rejection message generator generates rejection message when at least one acceptance message is not generated and a confirmation message generator generates confirmation message when at least one acceptance message is generated. The generated acceptance and rejection messages are transmitted to telecommunication unit. The confirmation message selectively transferred to mobile telephone (16) identified by specified telephone number and identification code. An Independent claim is also included for method for processing payments and transactions between payers and payee.