Method of accounting electronic transactions and method of effecting electronic transactions via phone

摘要

A method for accounting electronic transactions realized by a payer from an electronic terminal is disclosed. A transaction is initiated by the payer by selecting, on the electronic terminal connected to a telecommunications network, an appropriate sequence initializing a connection. The sequence contains at least a transaction code, optionally a transaction payee's ID, and optionally a transaction amount. The connection is directed to an accounting system together with the payer's ID being the ID of him, his/her terminal or the ID of his/her terminal in a telecommunications network. The parameters are delivered to the accounting system together with the connection incoming from the telecommunications network, and then preliminary analysis by the accounting system decides how the connection should be serviced. The preliminary analysis includes verifying whether the payer is an authorised user, verifying whether a beneficiary with the given payee ID exists and what type of transactions are handled by the beneficiary, as well as the specified amounts available on the payer's payment account. During the connection the accounting system asks the payer to complete missing parameters of the transaction which have not been included in the sequence initiating the connection. The payer obtains information from the accounting system additional introduced descriptive information for all the introduced transaction parameters. The information allows for verification or correction of the introduced parameters. After the parameters have been completed, the accounting system sends cumulative information on the transaction to the payer with a request for acceptance. The acceptance for the transaction starts a procedure for accounting the transaction in the accounting system from the payment account assigned to the payer's ID. After which the accounting system sends acknowledgment of the payment to the payee as well as acknowledgement of the transaction to the payer, preferably containing additional information delivered to the accounting system by the payee.