New system diagram

Here is how our system is supposed to work

You have a bank account for example with DNBnor. Then you have a mobile phone contract with Telenor.

Into your mobile phone you have 2 accounts. One for calling, sms, mms, etc and the other for paying.

You can transfer money from your bank account to your calling account. Then from the calling account you can transfer money on the paying account.

This guarantee security and a limited amount of money in your phone.