Abstract: A method of carrying wireless mobile transactions, includes starting an application at a mobile terminal, receiving, at said mobile terminal, input indicative of a selected mode of communication between said mobile terminal and a transaction terminal, establishing a packet data connection between said mobile terminal and a transaction processing center, examining a security certificate retrieved from a storage element within said mobile terminal or a personal identification number (PIN) input and transmitting transaction data between said transaction processing centre and said transaction terminal, wherein at least part of said transaction data is transmitted between said transaction processing center and said transaction terminal through said mobile terminal, wherein data between said mobile terminal and said transaction terminal is transmitted in accordance with said selected mode of communication, sound modulating and acoustically reproducing transaction data received at said mobile terminal for said trans

Abstract: The invention belongs to the field of systems for provision of computer-supported transactions with the use of a mobile phone, more exactly to the field of enabling universal communication between a telephone device, different transaction terminals and different servers including bank servers for carrying out certain transactions, considering all the security requirements against unauthorized access to an individual bank account or other user account.

Abstract: A mobile transaction system comprising: a user's mobile phone, a mobile network of any provider, a transaction device equipped with a microphone, a transaction processing center with dynamic early media generation capability and with the capability of communicating with the mobile network, wherein, upon a mobile phone user's call through the mobile network to the transaction processing center, the transaction processing center detects the call and, instead of answering the call, starts transmitting user identification data as a dynamically modulated signal through an early media connection to the mobile network and further to the user's mobile phone; wherein, the speaker of the user's mobile phone reproduces the modulated signal, which is then captured by the transaction device through the microphone.

Abstract: A mobile transaction system comprising: a user's mobile phone, a mobile network of any provider, a transaction device equipped with a microphone, a transaction processing center with dynamic early media generation capability and with the capability of communicating with the mobile network, wherein, upon a mobile phone user's call through the mobile network to the transaction processing center, the transaction processing center detects the call and, instead of answering the call, starts transmitting user identification data as a dynamically modulated signal through an early media connection to the mobile network and further to the user's mobile phone; wherein, the speaker of the user's mobile phone reproduces the modulated signal, which is then captured by the transaction device through the microphone.

Abstract: The invention belongs to the field of systems for provision of computer-supported transactions with the use of a mobile phone, more exactly to the field of enabling universal communication between a telephone device, different transaction terminals and different servers including bank servers for carrying out certain transactions, considering all the security requirements against unauthorised access to an individual bank account or other user account.