Patent claim: Method for transferring a money amount by using a twodimension image code 3 between a paying party provided with a payment device 42 and a recipient party provided with a reception payment device 41 comprising A.Registration of both paying party and recipient party at a money transfer managing entity on a server 2 which provides for the management and verification of the paying party and recipient party and is responsible of the authorization to the transfer of money amounts and their payment B.Request of the recipient party to the paying party of a money amount executed between the reception payment device 41 and the payment device 42 C.order from the paying party to the money transfer managing entity to pay said money amount to the recipient party after the insertion of a authorization PIN in the payment device 42 and information communication from the payment device to the server 2 D.authorization to the payment from the transfer managing entity to the recipient party with information communication from the server 2 to the reception payment device 41 E.payment of said money amount to the recipient party and sending of a confirmation information of effected money amount transfer to the payment device 42 and reception payment device 41 concerning the effected payment of the money amount or possible writing off or cancellation of an already effected payment operation The method being characterized in that said payment device 42 and said reception payment device 41 are mobile phones and in thatin step B the recipient party generates a twodimension image code 3 on the display of the reception payment mobile phonein step B the payment mobile phone of the paying party captures the twodimension image code 3 from the display of the recipient party mobile phonein step C the paying party sends to the server 2 via the payment mobile phone an encrypted authorization SMS message the encrypted authorization SMS message including data contained in the twodimension image code 3 comprising the indication of said money amountin step D the server 2 receives said encrypted authorization SMS message and authorizes or not the payment of the money amountthe recipient party mobile phone of the recipient party restricting itself in step B to the visualization of said twodimension code 3 without sendingany relevant information to the money transfer managing entity.

Related passage: When however step 26 has resulted in a positive outcome i.e.a match OK result 28 the transaction identified by the transaction information is authorized in step 29.Step 29 can result in an actual message to the first andor the second entity that the transaction is authorized but can alternatively or additionally result in a further communication scenario as for example illustrated in Fig.1b.Subsequent to a match OK result the server may extract bank details of the second entity in step 30 either from a serverstored database or the second message from the second entity or an additional message received from the second entity.Depending on the bank details extracted the server may contact a payment company in step 31 and the server may trigger a money transfer from the second entity to the first entity in step 32.In case of a positive outcome of step 32 the server receives money transfer confirmation or any other clearing message indicating that a money transfer can be definitely expected.Subsequent to the reception of such a confirmation or clearing message in step 33 the server can send a confirmation to the first andor the second entity in step 34 that everything was OK and the money transfer transaction has successfully been completed.Then based on this message received from the server subsequent to step 34 the first entity can finally handout the product or allow an access to a service or can perform any other action which has been paid by the money transfer triggered by the server in step 32.