BigPatents India

A method for making a payment through a mobile communication device, the method comprising: a. receiving transaction details of the payment by a Paymate, the transaction details being received from a payee, the transaction details comprising at least one of a transaction identifier and a transaction amount; b. sending a text message to the Paymate, the text message being sent by a payer, the text message comprising at least one of the transaction (PIN) of the payer; c. verifying the text message on the Paymate, the text message being verified with the transaction details received by the Paymate; d. authenticating the payer on the Paymate, the authentication of the payer being based on at least one of an identification number of the mobile communication device, the PIN of the payer and the transaction amount, wherein the identification number of the mobile communication device is sent along with the text message; and e. sending a debit request to a debit server for debiting the transaction amount from an account of the payer, the account being located at the debit server, the debit server receiving the debit request from the Paymate. Drawing: 6 Sheets Total Pages: 27 Fig. NIL