Electronic payment method and device

• US 20020138450A1
• Filed: 04/30/2002
• Published: 09/26/2002
• Est. Priority Date: 04/19/2000
• Status: Abandoned Application

• Current Assignee: Magic Axess
• Original Assignee: Magic Axess
• Inventors: Kremer, Gilles
• Application Number:
  US10/018,371
• Publication Number:
  US 20020138450A1
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 9/3247 involving digital signatures
• CPC Class Codes: H04L 9/3263 involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements network architectures or network communication protocols for supporting authentication of entities using certificates in a packet data network H04L63/0823

Abstract

The present invention relates to a process and device for electronic payment which comprises an operation of opening a communication session between a first user terminal and a merchant server, on a first communication support, such as the Internet.

During said communication session, the user terminal constitutes a single use payment certificate. The user receives, on a second terminal, such as a mobile phone, confidential information such as a password and transmits it to the first support. The correspondence between the information transmitted to the second terminal and that transmitted by the first terminal is verified and if there is correspondence the payment is validated.

Claims

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.

2. Process according to claim 1, characterized in that the operation of constitution comprises:

an operation of receiving the name of said merchant and the amount of payment; and

an operation of displaying in a window on a screen of the first user terminal, said window comprising the display of the name of the merchant site and of the amount of payment.

3. Process according to claim 2, characterized in that:

in the course of the reception operation, the name of the user is received and

in the course of the display operation, the name of the user is displayed in said window.

4. Process according to any one of claims 2 or 3, characterized in that:

in the course of the reception operation, an account number attribute to the user is received and

in the course of the display operation, the account number is displayed in said window.

5. Process according to any one of claims 2 to 4, characterized in that:

in the course of the reception operation, the name of a payer entity is received and

in the course of the display operation, the name of the payer entity is displayed in said window.

6. Process according to any one of claims 1 to 5, characterized in that it comprises an operation of transmission by the merchant site of a demand for emission of the payment certificate to a third party site.

7. Process according to any one of claims 1 to 6, characterized in that it comprises an operation of allocating a certificate of integrity to the payment certificate and to the confidential information acquired by the user.

8. Process according to any one of claims 1 to 7, characterized in that it comprises an operation of transmitting of an amount available in the account attributed to said user.