WO2007096774A2

WO2007096774A2 - Apparatus for performing a movable monetary transaction method

Info

Publication number: WO2007096774A2
Application number: PCT/IB2007/001053
Authority: WO
Inventors: Tomo Mali; Marko Knez
Original assignee: Tomo Mali; Marko Knez
Priority date: 2006-02-21
Filing date: 2007-02-08
Publication date: 2007-08-30
Also published as: ITMI20060315A1; WO2007096774A3

Abstract

A mobile monetary transaction apparatus and method allow to use personal communication devices, such as cellular phones, to perform purchase payments through a POS terminal network and/or under a direct control of a banking institute.

Description

APPARATUS FOR PERFORMING A MOVABLE MONETARY TRANSACTION METHOD

BACKGROUND OF THE INVENTION

The present invention relates to an apparatus for performing or carrying out a movable monetary transaction method.

More specifically, the present invention provides a payment system for performing payments through communication devices, such as cellular phones, palm computers and the like.

As is known, several payment systems and methods for performing payments by cash, magnetic cards (Bancomat) , electronic chip cards, checks and so on are conventionally daily used.

Actually, a cash payment represents a minimally diffused payment method, because of safety problems related to personally bringing cash money important amounts.

To overcome the above drawbacks, cashless systems, such credit cards and bank cards, of a "Bancomat" type, are acquiring a broad diffusion.

At present, the most diffused and used system for performing payments, is based on the so-called magnetic card technology.

This system comprises well experimented and tested devices, operating based on standardized communication protocols, the so-called POS terminals or units.

Said POS units or terminals are coupled to authorization or enabling centers forming a POS network. The job of an authorization center is that of receiving calls from different POS terminals and extract therefrom information packets to authorize or enable a payment based on different bank accounts, by sending an authorization return message to the POS terminal .

As it is known, said POS terminals or units are rather complex electronic devices designed for managing several payment media, to input the payment amount through a keypad included in said terminal or a cash coupled thereto, and to communicate with an authorization center to eventually print-out an authorization bill.

Also known is the fact that the communication among terminals and control centers or units is a standardized, well defined and tested one.

On the other hand, the payment system based on POS terminals is a rather complex one.

Actually, cellular phones, both individually and in combination with POS selling points (points of sale) , can represent an efficient payment system for purchasing goods and services.

SUMMARY OF THE INVENTION

Accordingly, the aim of the present invention is to provide a payment system based on movable communication devices, such as cellular phones, palm computers and the like, designed for exploiting existing POS terminals, without the need of providing additional hardware which would involve an inevitable increase of the managing cost by the sellers .

Within the scope of the above mentioned aim, a main object of the invention is to provide such a movable payment system which can be used as an aid of conventional magnetic card or the like system, in the same POS terminal or terminals or units. Another object of the invention is to provide such a system allowing to use, for payment purposes, broadly used and diffused payment means, as commercially available, such as a conventional cellular phone and existing POS terminals, by a simple updating to be performed remotely, without additional costs for the selling party which can continue to use the existing POS terminals or units.

The above mentioned aim and objects, as well as yet other objects, are achieved by an apparatus specifically designed for performing a movable monetary transaction method.

BRIEF DESCRIPTION OF THE DRAWINGS

Further characteristics and advantages of the present invention will become more apparent hereinafter from the following detailed disclosure of a preferred, though not exclusive, embodiment of the invention, which is illustrated, by way of an indicative, but not limitative, example in the accompanying drawings, where:

Figure 1 shows the components of the movable payment apparatus according to the invention, which uses a POS network; Figure 2 is a schematic diagram illustrating the steps of the payment method using the apparatus of figure 1;

Figure 3 shows the components of the movable payment apparatus, using a communication device, individually, without using a POS terminal or unit;

Figure 4 is a schematic diagram illustrating the operating steps of the payment method using the apparatus of figure 3;

Figure 5 shows the components of the movable payment apparatus, according to a further aspect of the invention, which uses only a communication device; Figure 6 is a further diagram showing the steps of the payment method using the apparatus of figure 5;

Figure 7 shows the components of the movable payment apparatus, according to a further aspect of the invention, using a communication device per se;

Figure 8 is a further diagram showing the steps of the payment method, using the apparatus of figure 7;

Figure 9 shows a constructional diagram of the apparatus according to the present invention, and shows the integration of the hardware, network and MPS software systems;

Figure 10 shows an electric diagram of a possible embodiment of a memory module of a POS terminal of the apparatus according to the present invention;

Figure 11 shows an electric diagram of a possible embodiment of an input/output module of the POS terminal or unit of the apparatus according- to the present invention;

Figure 12 shows a further electric diagram of a possible embodiment of a control module, a display, and communication module of the POS terminal of the apparatus according to the present invention;

Figure 13 shows a further electric diagram of a possible embodiment of a power supply device of the POS terminal of the apparatus according to the present invention.

DESCRIPTION OF THE PREFERRED EMBODIMENTS

With reference to the above mentioned figures, the apparatus according to a first embodiment or aspect of the present invention, as shown in figure 1, comprises a plurality of movable payment media, indicated by the reference Appm, which advantageously comprise conventional cellular phones, communicating with respective providers of the movable payment system, as indicated by the reference letter B, in turn coupled to an authorization center D.

Said authorization center D communicates with a plurality of selling points, including respective POS terminals, indicated by the reference letter C, having payment means or media, indicated by the reference Cvpm.

A possible embodiment of the POS terminal of the apparatus according to the invention is shown, by way of an example, in figures 10-13.

The payment method, using said apparatus, is schematically shown in figure 2 and comprises the following steps. Step 1. The data coming from a Cvpm medium, i.e. the apparatus arranged at the selling point, are read-out by the inner memory of the terminal C to provide the seller identifying number Cvpm, Step 2. The digit corresponding to the purchase amount is inputted into the terminal C through a keypad or an outer device, such as a "cache box" or the like. Step Ia. Optionally, if required by the terminal C, the seller provides a further personal identifying or identification number (PIN) .

Step 3. After having collected all the required information, the procedure will continue with the data transfer to the point D.

Step 4. The user perform the connection to the service supplied by the provider B by using his/her movable device, in particular a cellular phone, Appm. This step allows to identify the user, by the provider B.

Step 5. An additional identification code can also be inputted for enhancing the safety level.

Step 6. After having collected all the required information, the procedure continues with the transfer of data to the service provider B to the authorization center D.

Step 7. Said information is withdrawn from the data received by both parties (B in C) . A suitable institution En is called, and a validation or enabling the requirement is sent to validate the purchase amount.

Step 8. The purchase amount is either approved or refused by the institute En, and the answer is transmitted to the authorization center D.

Step 9. The purchase result is sent again to the start device C which has started the authorization process. Step 10. The start or starting device C provides an end report related to the purchase for the user.

Step 11. Said starting device C sends moreover an approvation to the device which has originally sent the payment amount; said originating device will also print the purchase bill.

If the purchase amount has been originally introduced directly through the device C, then the purchase bill will be printed out by said device C. .

Step 12. The purchase result is moreover sent to the service provider B.

Step 13. The service provider B generates and sends or simply records a purchase report in a suitable form for the device Appm.

The sets of steps 1-3 and 4-6 can be performed in a simultaneous manner.

Both the step 1-3 and 4-6 sets are fully independent from one another and represent a condition necessary for carrying out the step 7.

That same situation is valid for the set of steps 9 to 11 and set of steps 12 to 13, which can also be simultaneously carried out.

Figures 3 and 4 respectively show an apparatus and a method using a communication device per se, that is without a POS unit.

The apparatus shown in figure 3 comprises a plurality of movable payment means, indicated by the reference Appm, which advantageously comprise conventional cellular phones, communicating with respective movable payment system providers, indicated by the reference number B, in turn coupled to an authorization center D. The authorization center D communicates with a plurality of banks E.

The payment method using the above disclosed apparatus is schematically shown in figure 4 and comprises the following operating steps:

Step 1. A connection is performed between the movable device, in particular a cellular phone, Appm, and a respective service provider B, to achieve an identification number from the device Appm. Step 2. A personal identification code for the movable transaction is inputted through the keyboard of the device Appm.

Step 3. The digit corresponding to the amount to be paid is inputted through the keyboard or keypad of the device Appm.

Step 4. After having collected all the required information, the service provider B performs a connection with the authorization center D and sends all the required data. Step 5. The information is withdrawn from the received data. Then, a suitable institute En is called and an inquiry for validating the purchasing amount is sent.

Step 6. The purchase can be either approved or refused by the institute En and the answer is transmitted to the authorization center D.

Step 7. The result of the purchase is sent again to the service provider B.

Step 8. The service provider B generates and sends or simply records a purchasing report in any suitable form for the device Appm of the purchaser.

Step 9. The service provider B generates and sends or simply records a purchasing ratio, in any desired suitable form, for the seller device Appm.

Figures 5 and 6 respectively show an apparatus and a method using the communication device per se or individually, according to a further aspect or embodiment of the present invention.

The apparatus shown in figure 5 comprises a plurality of movable payment means or media, indicated by the reference Appm, which advantageously comprise conventional cellular phones communicating with respective providers of the movable payment system, indicated by the reference number B, in turn directly coupled to a bank institute En.

The letter "n" means that it would be possible to provide several banks. The payment method using the above disclosed apparatus has been schematically shown in figure 6, and comprises the following operating steps.

Step 1. A connection is performed between the movable device, in particular a cellular phone, Appm, and a respective service provider B, to achieve an identification number from the device Appm.

Step 2. A personal identification code for the movable transaction is inputted through the keypad of the device Appm. Step 3. The digits corresponding to the amount to be paid is inputted through the keypad of the device Appm.

Step 4. After having collected all the required information, the service provider B will establish a direct connection or link with the bank institute E, and a validation request related to the purchasing amount is sent.

Step 5. The purchasing is either approved or refused by the institute En, and the answer or response is transmitted to the service provider B.

Step 6. The service provider B generates and sends or merely records a purchasing ratio in a suitable form for the purchaser device Appm.

Step 7. The service provider B generates and sends or merely records a purchasing ratio in a suitable form for the seller device Appm.

Figures 7 and 8 respectively show an apparatus and a method using a communication device per se or individually, according to a further aspect or embodiment of the invention.

The apparatus shown in figure 7 comprises a plurality of movable payment media, or means, generally indicated by the reference Appm, which advantageously comprise conventional cellular phones, communicating with respective movable payment system providers, indicated by the reference B.

The payment method using the above disclosed apparatus is schematically shown in figure 8, and comprises the following steps.

Step 1. A connection is performed between the movable device, in particular a cellular phone, Appm, and the respective service provider B, for acquiring an identification number from the device Appm.

Step 2. A personal identification code for the movable transaction is inputted through the keypad of the device Appm.

Step 3. The digits corresponding to the amount to be paid is inputted through the keypad of the device Appm; after having collected all the required information, the service provider B will innerly control the user account and the purchasing is either approved or refused, by the same service provider B.

Step 4. The service provider B generates and sends or simply records a purchasing ratio in a suitable form for the purchaser device Appm.

Step 5. The service provider B generates and sends or merely records a purchasing ratio in a suitable form for the seller device Appm.

Figure 9 shows a constructional diagram of the apparatus, according to the invention, which shows an integration of the hardware, network and dedicated MPS software systems.

The functionality of the POS network, identified by the reference PN, and of the GSM network and of the service provider, identified by the reference GN, is extended by using the so-called software module "Mobile Payment System".

Said MPS software operates on a discrete MPS server, which is coupled to the network GN directly to PN-MAS.

Moreover, the MPS software is coupled to the inner network GSM of the seller, identified in figure 9 by the reference GN-Nl.

The MPS software comprises two logic parts: one related to the PN network and the other related to the GN network.

These two logic parts are coupled through a network MPS, identified in this figure by the reference MPS-N. All the calls generated by the POS P terminals coupled to the MPS system and as suitably patterned in the PN-MAS part, are transmitted to the MPS PN software. Said calls are processed by the above disclosed processing method.

The communication between PN-MAS and PN, i.e. the MPS software, is of a duplex type. After processing the call by PN, said call is transmitted again to the PN-MAS to continue the already started section.

The interconnection between MPS and GN provides that the confirmations generated by the GSM devices are transmitted to the MPS software through the GN network.

The interconnection point is a local interconnection point, i.e. an inner interconnection point, with respect to the GSM network, identified by the reference GN-Nl.

The interconnection between the network PN and the network GN provides that the events captured and processed by the MPS software of the network GN are transmitted to the software MPS of the network PN through the network MPS-N. The MPS software of PN continues the thereinabove disclosed procedure and, after a suitable processing of the data, a given message is sent back to the network GN.

It has been found that the invention achieves the intended aim and objects.

In fact, the invention provides a payment apparatus and method designed for using an infrastructure comprising an existing and well tested communication network. An important advantage of the present invention is that it allows to use a tool, such as a cellular phone, which is broadly diffused.

In practicing the invention, the used materials, as well as the contingent size and shapes can be any, depending on requirements and the status of the art.

For completeness and for clarifying the references shown in the drawings, the following are hereinbelow added: WITH REFERENCE TO FIGURE 1: Legend:

E- Bank (Ei, E₂, E_N; the letter N representing the number of the involved banks)

D- Authorization center

C- POS terminal or units (Ci, C₂, C_M; the reference M representing the number of the terminals or unit present in the system) Cvpm- Payment Distributing Means (Cvpmi, Cvpm₂,

Cvpm_M; the index or letter M is equal to the

Index or letter M of the device C) , the model of this means will depend on the model of the instrument C (for example a Magnetic Card, a

Memory Card, and so on)

B- Provider of the movable payment device system (Bi, B₂, B_R; the index or letter R represents the overall number of the movable device system providers)

Appm- Personal payment means - movable device

(Appmi_Bi, Appm₂_Bi, ... , Appm_Q-_Bi, - users of the system provider Bl, Q the index of the users recorded to the system provider Bi; Appitii__B2_f Appm₂-B2Λ • • - r Appm_s-_B2, - users of the system provider B₂, s is the index of the users recorded at the system provider B₂;...; Appmi-

_BR, Appm₂-BR, ... , Appm_T-_BR, - users of the system provider B_R, T being the index of the users recorded at the system providers B_R) WITH REFERENCE TO FIGURE 3:

Legend: E- Bank (Ei, E₂, E_N; the index N representing the number of the various involved banks) D- Authorization center

B- The movable payment device system provider (Bi, B₂, B_R; the index R represents the number of the movable device system provider)

Appm- Personal payment means - movable device

(Appmi-Bi, Appm₂-Bi, Appm_Q-._Bi, - users of the system provider Bl, Q the index of the users recorded to the system provider Bi; Appmi-._B2, Appm₂-B2f • • ■ r Appm_s-B2f ~ users of the system provider B₂, S the index of the users recorded at the system provider B₂; ... ; Appirii-

BR, Appm₂~_BR, • • • _r Appm_T__BR, - users of the system provider B_R, T being the index or letter indicative of the users recorded to the system providers B_R) WITH REFERENCE TO FIGURE 5: Legend:

E- Bank (Ei, E₂, E_N; the letter or index N representing the number of the involved banks)

B- Provider of the movable payment device system (Bi, B₂, B_R; the index R representing the number of all the providers of the movable device system)

Appm- Personal payment means - movable device (Appmi-_Bi, Appm₂-_Bi, Appm_Q__Bi, - users of the system provider Bl, Q the index of the users recorded to the system provider Bi; Appmi-_B2, Appm₂_B2, • • • i Appm_s_B2f ~ users of the system provider B₂, S being the index of the users recorded at the system provider B₂; ... ; Appmi- BR, Appm₂_BR, • .. , Appm_T_BR, - users of the system provider B_R, T being the index of the users recorded to or at the system provider B_R)

WITH REFERENCE TO FIGURE 6: Legend:

E- Bank (Ei, E₂, E_N; the letter or index N represents the number of the involved banks)

B- Provider of the movable payment device system

(Bi, B₂, B_R; the index R representing the number of the movable device system providers)

Appm- Personal payment means - movable device

(Appmi-Bi, Appm₂-Bi, Appm_Q-_Bi, - users of the system provider Bl, Q the index of the users recorded to/at the system provider Bi; Appmi-

_B2, Appm₂-B2, • • • , Appm_Ξ_B₂, - users of the system provider B2, S being the index of the users recorded at the system provider B2; ... ;

Appmi-BR, Appm2-BR, • • • , Appm_T-BR, - users of the system provider B_R, T being the index of the users recorded at the system providers B_R) PA- A purchasing amount PINMP- A personal identification number (PIN code) for movable payment ARusr- A purchasing ratio sent to the device user

Appm

ARmer- A purchasing ratio sent to dealer or seller of the device Appm SEQ- A series of main purchases WITH REFERENCE TO FIGURE 7:

Legend:

B- A movable payment device system provider (Bi, B₂, B_R; the index R shows the number of all the movable device system providers)

Appm- Personal payment means - movable device

(Appπii-Bi, ApPItI₂-Bi, Appm_Q-_Bi, - users of the system provider Bl, Q the index of the users recorded at the system provider Bi; Appmi-_B2,

Appm.2-B2, • • • r Appm_s-_B2, ~ users of the system provider B₂, S being the index of the users recorded at the system provider B₂; ... ; Appmi-

_BR, Appm₂-BR, • • • _r Appm_T-_BR, - the users of the system provider B_R, T being the index of the users recorded at the system provider B_R) WITH REFERENCE TO FIGURE 8: Legend:

B- A provider of the movable payment device system (Bi, B₂, B_R; the index or letter R shows the number of all the providers of the movable device system)

Appm- Personal payment means - movable device

(Appmi-Bi, Appm₂-_Bi, Appm_Q__Bi, - users of the system provider Bl, Q being the index of the users recorded to/at the system provider Bi;

Appitii_B2, Appm₂-B2, • • • r Appm_s-B2, - users of the system provider B₂, S being the index of the users recorded at the system provider B₂;...; Appmi-_BR, Appm₂-BR, • • • , Appm_T-_BR, - users of the system provider B_R, T being the index of the users recorded at the system providers B_R)

PA- Purchase amount PINMP- Personal identification number (PIN code) for movable payments ARusr- Purchasing ratio sent to the user of the device Appm ARmer- A purchasing ratio sent to the dealer or seller of the device Appm SEQ- Series of the main purchases WITH REFERENCE TO FIGURES 12 AND 13: Power supply module POS (P-PM) Legend of the POS unity

P-SM -Safety microcontrolled module P-LCD -Display unit P-CM -Communication module P-IO -Input/output module P-K -Digital keypad P-PM -Power manager P-MM -Memory manager

Legend and description of the electronic components used in the terminal units POS Dl Outer reset silicon diode

D2-D4 Keyboard pressure event generating silicon diodes

D5- Battery charging germanium diode D6, D8 Power supply germanium diodes D7 Correcting silicon diode for protecting from a polarity reversing voltage

D9 Schotky diode for the actuating circuit IR2 IR (infrared) transmitting diode ICl Main keypad microcontroller IC2 Triple two-channel analogic multiplexer/demulti- plexer integrating circuit IC3 RS-232 multichannel conductor/receiver IC4 Voltage detector circuit

IC5 Highly precise single-conductor digital thermo-meter

ICβ, IC8, IClO Integrated circuit - 8-bit translating registers Input series, output parallel

IC9 Real time serial clock interface module IC7 4-megabit integrated circuit (524288 x 8 bit) 5.0 volt CMOS, eraseable sector flash memory ICIl Switching power 150 KHZ converter

Falling voltage 3A adjuster IC12 Timing monolithic circuit

Tl Signal NPN transistor - LCD power ON/OFF switch

T2 Signal NPN transistor - printing power ON switch T3 Signal NPN transistor - printing power OFF switch

Claims

1. A movable apparatus for performing monetary transactions, characterized in that said apparatus comprises a plurality of movable communication means, communicating with respective providers of a movable payment system and that said movable payment means comprises transmitting and receiving means for transmitting and receiving identification and confirmation data designed for interacting with transmitting and receiving means of said system providers; said system providers comprising user account control means.

2. An apparatus, according to claim 1, characterized in that said apparatus comprises at least a POS terminal, at least a GSM device, at least an authorization center POS, at least a GSM communication network comprising one or more communication centers . 3. An apparatus. according to claim 1, characterized in that it comprises at least a GSM device, at least an authorization center, at least a GSM communication network comprising one or more communication centers. 4. An apparatus, according to one or more of the preceding claims, characterized in that said GSM device is a cellular phone.

5. An apparatus, according to one or more of the preceding claims, characterized in that said POS terminal comprises a control module, a display, a communication module, a power supply display, a memory -and an input/output module comprising signaling elements, sound generators, IR signal reading devices and a keypad. β. An apparatus, according to one or more of the preceding claims, characterized in that said GSM device comprises a protocol processing unit and user interface, a voice codification and decodification and control module, a memory module, a visual display, a microphone and a loudspeaker, a SIM card interface, a keypad and a rice-transmitting single- band, two-band or three-band RF unit. 7. An apparatus according to one or more of the preceding claims, characterized in that it comprises a POS system network, including one or more authorization centers.

8. A movable monetary transaction method, characterized in that said method comprises the following steps:

- performing a connection between a movable device and a respective service provider, for acquiring a movable device identification number; - providing a personal identifying code for the movable transaction trough a keypad of the movable device;

- providing a digit pattern corresponding to the monitory transition total amount through said keypad of said movable device;

- controlling the user account and either approving or refusing the purchase;

- generating a purchasing ratio in a form suitable to fit the movable device; - generating a purchasing ratio in a form suitable for the seller or dealer.

9. A method according to claim 2, characterized in that said method comprises the following steps:

- step 1 for performing a connection between the movable device, in particular a cellular phone, and a respective service provider, for achieving from the movable device an identification number;

- step 2: providing a personal identification code for the movable transaction through a keypad of the movable device; step 3: providing a digital pattern corresponding to the amount to be paid through the movable device keypad; and innerly controlling, by the service provider, after having collected all the required information, the user account and either approving or refusing the purchase by the same service provider; step 4: generating, by the service provider, and sending thereby, or simply recording, a purchasing ratio in a form suitable for the buyer or purchaser movable device; - step 5: generating and sending or simply recording by the service provider a purchasing ratio in a form suitable for the seller movable device.

10. A method, according to one or more of the preceding claims, characterized in that said method comprises the following steps:

- step 1: performing a connection between the movable device, in particular a cellular phone, and a respective service provider, for achieving from the movable device an identification number; - step 2: providing a personal identification code for the movable transaction through the movable device keypad; step 3: providing a digit pattern corresponding to the amount to be paid through the movable device keypad;

- step 4: providing, by the service provider, after having collected all the required information, a direct connection with a bank institute and sending a purchase amount validation request;

- step 5: either approving or refusing the purchase by the bank institute and sending the response to the service provider; - step 6: generating and sending or simply recording, by the service provider, a purchasing ratio in a form suitable for the movable device of the purchaser;

- step 7 : generating and sending or simply recording, by the service provider, a purchasing ratio in a form suitable for the seller movable device .

11. A method, according to one or more of the preceding claims, characterized in that said method comprises the steps of:

- step 1: performing a connection between the movable device, in particular a cellular phone, and a respective service provider, for achieving an identification number from the movable device; - step 2: providing a personal identification code for the movable transaction through the keypad of the movable device;

- step 3: providing a corresponding digital pattern of the amount to be paid through the keypad of the movable device; step 4: establishing by the service provider, after having collected all the required information, a connection with an authorization center and sending all the required data;

- step 5: withdrawing from the received data said information and contacting a bank institute and sending a request for validating the transaction amount ;

- step 6: either approving or refusing said transaction by said bank institute and sending a response to an authorization center;

- step 7 : sending the purchase result to the service provider;

- step 8 : generating and sending or simply recording by the service provider a purchase ratio in a form suitable for the purchaser movable device;

- step 9: generating and sending or simply recording by said service provider a purchasing ratio in a form suitable for the dealer or seller movable device.

12. A method, according to one or more of the preceding claims, characterized in that said method comprises the steps of:

- step 1: reading, by an inner memory of a terminal, for obtaining the seller identification number, the data sent by an apparatus arranged at a point of sale; - step 2: providing a digital pattern corresponding to the purchase amount to the terminal through a keypad or an outer device such as a "cache box" or the like; step Ia: optionally providing, by said seller, if required by said terminal, a further personal identification number;

- step 3: continuing, after having collected all the required information, the procedure by transferring data to the authorization center; step 4: performing, by the user, a connection to the service provided by the service provider by using a dedicated movable device, in particular a cellular phone, to allow the user to be identified by the provider; step 5: optionally providing a further identification code for enhancing the safety level;

- step 6: continuing, after having collected all the required information, by transferring data from the service provider to the authorization center;

- step 7 : withdrawing the information from data received by both parties and a dedicated bank institute, which is correspondingly contacted and sending a purchase amount validation request;

- step 8 : either approving or refusing the purchase by said institute and transmitting related response to the authorization center; - step 9: sending the transaction result to the starting device, or point of sale unit, which has started the authorization process; step 10: providing, by said starting device, an end ratio related to the user purchase; - step 11: sending moreover, by said starting device, an approval to the device which has originally sent the payment amount; said originating device further printing a purchasing bill; step 12 : sending moreover the purchase result to the service provider; and

- step 13: generating and sending or simply recording by said service provider a purchasing ratio in a form suitable for the movable device.

13. A method, according to the preceding claim, characterized in that, if the purchase amount has been inputted at the start through said originating device directly, then said bill is printed by said starting device.

14. A method, according to one or more of the preceding claims, characterized in that the operating steps 1-3 and 4-6 are simultaneously carried out.

15. A method, according to one or more of the preceding claims, characterized in that both the step

1-3 and 4-6 sets are fully independent and represent a condition necessary for carrying out the step 7.

16. A method, according to one or more of the preceding claims, characterized in that the step 9 to 11 set and steps 12-13 set are also simultaneously carried out.

17. An apparatus, according to one or more of the preceding claims, characterized in that said apparatus comprises one or more of the disclosed and/or illustrated characteristics.

18. A method, according to one or more of the preceding claims, characterized in that said method comprises one or more of the disclosed and/or illustrated characteristics.