Patent ID: 8452267

Claim:
A method for providing a mobile payment service, the method comprising: storing, in a service system of a service provider of the mobile payment service, merchant accounts for merchants registered to the service, wherein a merchant account comprises a unique code allocated to premises of the merchant; storing, in the service system, client accounts for clients registered to the service, wherein a client is a client of the service provider and a client account comprises subscribers and subscriber numbers associated with the client and rules concerning use of the service by the subscribers associated with the client; storing, in the service system, subscriber accounts for subscribers registered to the service, wherein a subscriber is a user of the mobile payment service; receiving funds allocated by a client for being used in said mobile payment service by subscribers associated with said client; receiving from a mobile terminal of a subscriber a message that comprises the unique code allocated to premises of the merchant, checking, in the service system, on the basis of the received message, funds allocated by the client associated with the subscriber and rules related to the client associated with the subscriber, to determine which service is granted, and sending a response message to the mobile terminal of said subscriber, which response message can be used for paying for a service and/or a product offered by said merchant to the subscriber at the premises, and wherein said response message comprises a code that comprises a fixed part and a variable part, wherein said variable part is usable for verifying the response message for avoiding fraud.