Patent ID: 7107078

Claim:
A method for effecting user payment for a purchase by means of a mobile station of the user in a telecommunication system that includes a telephone network to which the mobile station is connected via a wireless communication link, a network application connected to the telephone network and a mobile station application, comprising the steps of: generating and storing in the network application a user profile comprising user-specific information about alternative means of payment employable by the user; generating by means of the network application, when the mobile station user is to make a purchase payment, a mode of payment message based on the user profile for transmission to the mobile station, the mode of payment message comprising a list of the alternative means of payment employable by the user; presenting, on the mobile station, the list of the alternative means of payment for selection by the user; and generating a response message based on user input in response to the presented list of alternative means of payment and sending the response message to the network application, the response message indicating a means of payment selected by the user from the presented list of alternative means of payment.