Abstract: The present invention relates to a transaction processing and method. A device associated with a payer, which may be a suitably adapted mobile telephone is involved in the payment transaction process. The transaction processing is information, such as goods to be purchased and amount, is provided from the payer electronic device to a transaction processing system. A transaction processing system then advises a payee (e.g. merchant) that goods have been ordered from the payee and provides the payee with the information on the ordered goods, and also confirms that payment has been made. The merchant subsequently provides the goods to the payer.

Abstract: The present invention relates to a transaction processing and method. A device associated with a payer, which may be a suitably adapted mobile telephone is involved in the payment transaction process. The transaction processing is information, such as goods to be purchased and amount, is provided from the payer electronic device to a transaction processing system. A transaction processing system then advises a payee (e.g. merchant) that goods have been ordered from the payee and provides the payee with the information on the ordered goods, and also confirms that payment has been made. The merchant subsequently provides the goods to the payer.

Abstract: The present invention relates to a method and apparatus for processing a product transaction. An order system is provided which independently stores orders generated by a customer, in a customer order repository. A customer order repository (COR) is associated with a customer order repository ID which identifies the customer order repository. When shopping, the customer selects a product and provides the customer order repository ID to the vendor. The vendor provides the COR ID to the order processing system together with information identifying the product. The order processing system then communicates with a customer device via a customer interface, such as a client application. The customer confirms the order and the order processing system processes payment. Details of order processing and other information relating to the order may be published on social network sites and communicated to the customer and to the vendor.

Abstract: The present invention relates to a transaction processing and method. A device associated with a payer, which may be a suitably adapted mobile telephone is involved in the payment transaction process. The transaction processing is information, such as goods to be purchased and amount, is provided from the payer electronic device to a transaction processing system. A transaction processing system then advises a payee (e.g. merchant) that goods have been ordered from the payee and provides the payee with the information on the ordered goods, and also confirms that payment has been made. The merchant subsequently provides the goods to the payer.

Abstract: The present invention relates to a transaction processing and method. A device associated with a payer, which may be a suitably adapted mobile telephone is involved in the payment transaction process. The transaction processing is information, such as goods to be purchased and amount, is provided from the payer electronic device to a transaction processing system. A transaction processing system then advises a payee (e.g. merchant) that goods have been ordered from the payee and provides the payee with the information on the ordered goods, and also confirms that payment has been made. The merchant subsequently provides the goods to the payer.

Abstract: The present invention relates to a transaction processing and method. A device associated with a payer, which may be a suitably adapted mobile telephone is involved in the payment transaction process. The transaction processing is information, such as goods to be purchased and amount, is provided from the payer electronic device to a transaction processing system. A transaction processing system then advises a payee (e.g. merchant) that goods have been ordered from the payee and provides the payee with the information on the ordered goods, and also confirms that payment has been made. The merchant subsequently provides the goods to the payer.

Abstract: The present invention relates to transaction processing, for processing of payments between payer's (usually individual payers) and payee's (usually merchants. Conventionally, a payment transaction involves a user's account details being provided to a merchant device, e.g. by swiping a card in the card swipe of the merchant device. The merchant device then prepares a transaction message including information such as the user's account ID, merchant ID and payment information and forwards that message to a transaction processing system, which may comprise a transaction acquirer and an issuing bank. The transaction processing system approves the payment and returns confirmation to the merchant. In the present invention a device associated with the payer, which in a preferred embodiment is a suitably adapted mobile telephone, becomes involved in the payment transaction process.

Abstract: The present invention relates to a method and apparatus for processing a product transaction. An order system is provided which independently stores orders generated by a customer, in a customer order repository, A customer order repository is associated with a customer order repository ID which identifies the customer order repository. When shopping, the customer selects a product and provides the customer order repository ID to the vendor. The vendor provides the COR ID to the order processing system together with information identifying the product. The order processing system then communicates with a customer device via a customer interface, such as a client App. The customer confirms the order and the order processing system processes payment. Details of order processing and other information relating to the order may be published on social network sites and communicated to the customer and to the vendor.

Abstract: The present invention relates to transaction processing, for processing of payments between payer's (usually individual payers) and payee's (usually merchants. Conventionally, a payment transaction involves a user's account details being provided to a merchant device, e.g. by swiping a card in the card swipe of the merchant device. The merchant device then prepares a transaction message including information such as the user's account ID, merchant ID and payment information and forwards that message to a transaction processing system, which may comprise a transaction acquirer and an issuing bank. The transaction processing system approves the payment and returns confirmation to the merchant. In the present invention a device associated with the payer, which in a preferred embodiment is a suitably adapted mobile telephone, becomes involved in the payment transaction process.

Abstract: Disclosed is a device arranged to process messages for communications, comprising a virtual machine means including a message processor means which is arranged to process messages communicated to and/or to be communicated from the device, and message processor instruction means, arranged to provide directions for operation of the message processor means. Also disclosed is a method for operating a device arranged to process messages for communications and a method of programming a device arranged to process messages for communications.

Abstract: The present invention relates to preparing and processing information to be communicated via a network or to or from other data carriers. For implementation of a novel “virtual machine” of the present invention, a minimal amount of hardware is required. Prior art virtual machines tend to slow down operation of the device as they interface between an application program and device drivers. The novel virtual machine incorporates a virtual message processing means that is arranged to construct, deconstruct and compare messages and applied in the native code of the processor. The message instruction means directs and controls the message processor. Similarly, a protocol processor means governs and organs communications, under the direction of a protocol instruction means in the application. These elements of the novel virtual machine increase the speed and efficiency and allow implementation of a practical device for use in communications, able to be implemented on different hardware having different BIOS/OS.