Mobile Payment system with RFID reader

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I want to develop a Mobile payment system with RFID, Barcode reader. The payment system should work on SMS as well as it should have 2-3 authentication as well as the system should sent SMS when ever a transaction happens for the card number that is registered by the customer. The SMS should be sent before the transaction happens, only after the customer send confirm transaction message from his mobile, the transaction should be processed. If the customer says No, then the transaction should be cancelled.

The user should be able to pay all the bills. Any number of credit cards, Debit cards, E-wallet accounts can be added, money transfer should be supported to same account as well as other accounts also etc. It should show the Profile name & number of the seller in the SMS. It should sent a confirmation message to both the parties also.

The system can support Pay 4 Me services that is when A party want to call B party, & the A party does not have enough balance or No balance, he can call the other party with this service. This service can be through an affix or additional number .If the B party accepts, necessary amount should be deducted from his account

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