公开(公告)号：EP2304663A2

公开(公告)日：2011-04-06

申请号：EP09746143.8

申请日：2009-05-12

申请人： Fundamo (Pty) Ltd

发明人： FRANZ, Cedric, Ronald

IPC分类号： G06Q20/00

CPC分类号： G06Q20/3829 ,  G06Q20/085 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/3229 ,  G06Q20/3563 ,  G06Q20/4012 ,  G06Q2220/00

摘要： A mobile commerce system and components thereof are provided in which multiple wireless mobile communications devices (mobile devices) (1) each has a unique electronic identification and processing circuit (2) capable of encrypting data utilizing an encryption key and a first software application providing connectivity to commercial webpage servers (4) for purposes that include the conduct of selected transactions involving a payment for goods or services. Each mobile device is independently enabled to conduct financial transactions in real time by communication with a financial institution. Each mobile device further has a second software application termed mobile payment application adapted to interact with the first application to receive data as to a payment required to conclude a transaction conducted by way of a commercial webpage server. The mobile payment application initiates an instruction to the financial institution to make a payment to a payee designated by way of such data wherein the instruction is encrypted utilizing the unique electronic identification and processing circuit.