Exhibit HB1 Document cited Publication No. CN1260895A, Application date 1998.04.15  Figure 1. The PSTN 50 includes land lines and wireless cummunication links. Thus, the PSTN 50 provides connectivity to a plurality of remote wireless units or mobile stations, of which a customer mobile station 60 (e.g., a mobile phone) is just one example, and to non-mobile units such as commercial terminals 70 via land lines; and  
As shown in step 302 of Figure 3A, the prompt string includes a first prompt to enter a merchant identifier and a second prompt to enter a transaction amount.  For security, a third prompt for a customer personal identification number (PIN) may also be generated.  All types of additional security functions can be added independently or incidentally, such as a key of the mobile station, fingerprint identification, ect.   Figure IB; for example, the encryption may be done using a SIM (user identification mobile) card in the customer mobile station 60 and a similar encrypted card in the customer terminal 70.  Furthermore, the SIM
( User identification mobile) card used by the customer mobile station 60 of the present invention may also be used as a credit card, in which case payment may be debited to the customer credit card account number or phone bill.