Payment method based on USSD-commands

573 Abstract— In this paper is given one method of constructing payment via commonly used mobile phone, SIM-card and plastic card based on USSD-commands. NOWADAYS we can't imagine business and commerce without ICT. Government adopted many legislative acts, resolutions and decrees based on law and creating favorable conditions for online conducting of bargains. All these were done for the development of e-commerce and forming of required infrastructure as well. Accepted law such as:-" On Electronic Document Flow "-" On Electronic Digital Signature "-" On Electronic Commerce "-" On Electronic Payments " stimulated penetration and practical use of e-payment instruments in e-commerce. Existing e-payment systems require availability of Internet access, installing of special SW, in other words if user wants to make payment via Internet he/she needs PC or mobile device which has access to Internet and supports Java-applications, WAP/GPRS connection as well. Besides these mentioned some payment systems determine using of EDS (digital signature). One-time visiting of bank or e-payment system office needed too, with a view to be registered in the system, getting login/password and EDS. But ideally, perfect e-payment system should be:-widely available (easy of access)-popular-easily understood (simple)-reasonable (moderate)-reliable. That is to say, developers should pay attention to factors, such no Internet access/failure of GPRS connection, unavailability of PC, full-featured mobile phone or mobile device. These mentioned suggest payment method to be simple, accessible and reliable at the same time with minimum requirements. Developers should take note of increasing number of mobile operators' subscribers and plastic cards owners (personal accounts). So we suppose that exactly in this sector we can implement such way of payment for subscribers, in order to create conditions to make orders by the means of commonly used simple mobile phone. This payment method requires availability of simple mobile phone, SIM-card, plastic card or bank account. The installation of special SW, authentication with EDS, Internet/GPRS access, visiting of bank is not required. All transactions will be realized via USSD-commands. Unstructured Supplementary Service Data (USSD) is a capability of all GSM phones. It is generally associated with real-time or instant messaging type phone services. There is no store-and-forward capability, such as is typical of other short-message protocols (in other words, an SMSC 1 is not present in the processing path). Response times for interactive USSD-based services are generally quicker than those used for SMS. USSD is typically used as a 'trigger' to invoke independent calling services …