Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data

摘要: A wireless/cellular terminal (1) and method is provided for allowing a user to perform remote purchase bill payment transactions, transferring of telecash other required data terminals (2) or the host computers (4) without using modem. In one embodiment, includes means receiving transmitting bills electronic cash directly to/from in connectionless way network (3). this invention, payee's details such as account number, contact codes are sent/broadcast (e.g. mobile phone). The payer activates upon which and/or amount sent computer. invention can operate both user's cellular/wireless wallet his telephone, thus providing Mobile Wallet-Phone (MWP). By MWP able send/receive messages under small terminal-to-terminal (1, 2) radio coverage via another provides P-PIN (Payment-Personal Identification Number) process authentication which, when required, used (in addition PIN-code telephone services) verify that has right use paying by transferring. embodiment inquiry from computer request automatically continuously whenever service requires so. case be also personal television connected fixed internet operating wirelessly.