Patent ID: 7490062
Filing Date: 2009-02-10
Classification: G06Q

Abstract:
1. A method of payment in a purchasing action performed by means of an electronic communication device between a customer using said electronic communication device and a provider offering goods or services, comprising the steps of: building up a voice channel connection between the customer and said provider offering goods or services via a communication channel of said communication device, wherein a telecommunication provider authenticates customer identification data using a subscriber identification module (SIM) of said electronic communication device prior to establishing said connection; subsequent to authentication, placing a purchase order utilizing said voice channel connection of said communication device; upon receipt of said purchase order from the customer, issuance of an electronic bill by said provider offering goods or services and transmission of said electronic bill to said customer; upon receipt and acknowledgement of said electronic bill by the customer, transmission of a money transfer order from the customer to a payment provider via the telecommunication provider, wherein the telecommunication provider re-authenticates the customer to ensure that the customer is authorized to give a money transfer order using the subscriber identification module (SIM) of said electronic communication device; subsequent to acknowledgement of the electronic bill and the re-authentication, executing said money transfer order by said payment provider by debiting an account of the customer; subsequent to executing said money transfer order, sending a receipt of payment, which includes an encrypted digital signature of the payment provider, from the payment provider to the customer via the telecommunications provider; subsequent to sending the receipt of payment to the customer, confirming the encrypted digital signature of said receipt by a confirmation center, wherein said confirmation center is the telecommunications provider; and subsequent to confirming the digital signature, forwarding said receipt of payment to said provider offering goods or services; wherein said steps between the telecommunications provider and the payment provider are employed utilizing fully automated equipment; and wherein a computer program product embodied on the subscriber identification module (SIM) of said electronic communication device performs automated steps comprising: