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Electronic payment method and device

  • US 20020138450A1
  • Filed: 04/30/2002
  • Published: 09/26/2002
  • Est. Priority Date: 04/19/2000
  • Status: Abandoned Application
First Claim
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1. Process for payment comprising an operation of opening a communication session between a first user terminal and a merchant site server, on a first communication support, characterized in that it comprises, during said communication session:

  • an operation of transmission by the user terminal of information identifying the user, an operation of transmitting to a payment server the information identifying the user, an operation of constituting by said user terminal a single use payment certificate, an operation of transmitting by the payment server of confidential information to a second user terminal, by means of a second communication support on which each address is attributed to at most one user terminal, an operation of transmission by the first terminal of said confidential information;

    an operation of verification, by the payment server, of the correspondence between the confidential information received from the first terminal on the first communication network with the confidential information transmitted to the second user terminal, and in case of correspondence, an operation of validation of payment.

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