Transaction processing system
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Accused Products
Abstract
This invention provides a transaction processing system (10) which includes a first network interface (12) connectable to a mobile communications network (20). The interface (12) is configured to receive a data message request originating from a telecommunications data message sent by a requester from a mobile telephone (28). The data message request contains transaction information uniquely identifying the requester. The system (10) also includes a host database (14) containing confidential information of requesters. The confidential information of each requester is indexed with at least some of the information contained in a data message request. The system further includes a processor (18) operable to receive the data message request via the interface (12); to retrieve confidential information of the requester by use of the uniquely identifiable requester information: to obtain verification that a monetary transfer between the requester and a recipient of the monetary transfer will he or has been carried out in relation to the transaction: and to transmit a confirmation of transaction message via the interface (12).
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Citations
45 Claims
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1-25. -25. (canceled)
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26. A method of processing a transaction which method includes the following steps:
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receiving a data message request which originates from a telecommunications data message sent by a requester requesting a monetary transfer to a recipient, wherein the telecommunications data message is sent from a telecommunications device of the requester via a telecommunications network without being relayed through the recipient, in which said data message request contains transaction information capable of uniquely identifying, on at least one host database, the requester;
accessing electronically the at least one host data base to which confidential information of a plurality of requesters have been entrusted;
obtaining verification that a monetary transfer between the requester and the recipient of the monetary transfer will be or has been carried out in relation to the transaction; and
transmitting an electronic transaction verification message confirming that a monetary transfer between the requester and the recipient will be or has been carried out. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43)
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44. A transaction processing system which includes
a first network interface connectable to a telecommunication network, the first network interface being configured to receive a data message request originating from a telecommunications data message sent by a requester requesting a monetary transfer to a recipient, wherein the telecommunications data message is sent from a telecommunication device of the requester via the telecommunications network without being relayed through the recipient, wherein the data message request contains transaction information uniquely identifying the requester, and the first network interface is configured to transmit a data message; -
a host database containing confidential information of requesters wherein the confidential information of each requester is indexed with at least some of the information contained in a data message request; and
a processor operable to receive the data message request via the first network interface;
to retrieve confidential information of the requester by use of the uniquely identifiable requester information;
to obtain verification that a monetary transfer between the requester and the recipient of the monetary transfer will be or has been carried out in relation to the transaction; and
to transmit a confirmation of transaction message via the first network interface. - View Dependent Claims (45)
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Specification