Mobile Payment System - Telco 2.0 application dedicated for payments

The following paper presents Mobile Payment System. The system is a prototype of an innovative method of paying for services using the mobile phone. The method is quite straight-forward, basically the user wanting to access some online service supplies his/her cellular phone number to the web form and receives a token via USSD message (Unstructured Supplementary Service Data). Then, introducing the token into the web form gives the user an access to the desired content. At this exact moment the charging is done. The due amount of money is simply added to the monthly bill, in case of postpaid phones, or subtracted from available credits, in case of prepaid mobile phones. The functionality of sending USSD messages from the system to the subscriber mobile phone was achieved by using Telco 2.0 Web Services provided by Orange Labs.