Wireless mobile transaction system and the procedure for carrying out transactions with a mobile phone

Abstract

The invention belongs to the field of systems for provision of computer-supported transactions with the use of a mobile phone, more exactly to the field of enabling universal communication between a telephone device, different transaction terminals and different servers including bank servers for carrying out certain transactions, considering all the security requirements against unauthorized access to an individual bank account or other user account. The core of the wireless mobile transaction system and the procedure for carrying out transactions with the mobile phone according to the invention is in the fact that the transfer of the transaction data between the user's mobile phone and the transaction processing center is done using a secure connection based on GPRS or UMTS data package transfer, whereas between the user's mobile phone and the shop's POS terminal the data is transferred using sound-modulated data transfer through an acoustic coupling or on the basis of infrared data association (IrDA) or Bluetooth wireless data connection or NFC contactless short-range communication technology or wireless internet connection WLAN. This way the user's mobile phone becomes a simple, safe and handy transaction instrument for carrying out financial transactions, such as electronic payment and transfer of funds, as well as non-financial transactions, such as using bonuses, collecting loyalty points and allowing and/or controlling access to secured areas, premises, buildings and similar. According to the invention the system is using operator's existent dedicated wireless data-transfer technology, such as GPRS or UMTS, for transferring data between the transaction processing center and the mobile phone, and is performing identification of the user with the certificate which is securely stored on the user's SIM card or in another secure memory of the mobile phone.