A retail transaction
system provides enhanced customer convenience and increased
transaction security by sending transaction information to a
cellular network provider via a customer's digital cellular phone. For example, a
fuel dispenser is equipped with a communications link allowing direct communications to a customer's cellular phone. When a customer desires to conduct a transaction using the
fuel dispenser, the
fuel dispenser transmits select information to the customer's
cellular telephone using this communications link. A
telephone number is included in the select information. When the customer presses send, or otherwise causes their telephone to dial the number transferred from the fuel dispenser, the select information along with any additional
customer information is sent to the
cellular network. This information is used by the network to authorize a purchase transaction for the customer, such
authorization information returned to the fueling
station at which the fuel dispenser is located via a cellular link. For enhanced security, the customer may be required to input their PIN in order to complete the transaction. Notably, the PIN and the remainder of the transaction information sent from the customer phone to the
cellular network is intrinsically secure due to the digital
encryption employed by the digital cellular protocol. Optionally, the
system may be configured to cause the customer's cellular phone to automatically dial the number transferred by the fuel dispenser. This capability may be enabled at the customer's option. The
system may be extended to other retail systems including in-store point-of-sale systems (POS).