Method for autorising mandates of payment by credit cards and related apparatuses
First Claim
1. Method for authorising mandates of payment through credit instruments, wherein a user purchases at least one item of goods and/or at least one service in a commercial site in exchange for the payment of an amount of money, the user being the owner of at least one credit instrument, which is issued by an issuing institution (21) and univocally determined by credit instrument identification data, and of a telephone (20), which is provided with the functionality of sending and receiving radiotelephony messages, the method comprising the phases of A. the issuing institution checks the validity of the credit instrument, and B. the issuing institution sends to the commercial site a confirmation or refusal of authorisation of the mandate of payment, depending on the outcome of the check, the method being characterised in that it comprises the following preliminary phase:
- C. sending from the user'"'"'s telephone (20) to a radiotelephony message managing device (22) of a service centre (21) of the issuing institution a radiotelephony message comprising a commercial site identification code, the amount of money and/or instrument identification data and/or user identification data and/or telephone identification data, the commercial site identification code and the amount of money being inputted by the user during composition of the message.
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Accused Products
Abstract
The invention concerns a method, and the related apparatuses, for authorizing mandates of payment through credit instruments, a user being the owner of at least one credit instrument, which is issued by an issuing institution (21) and of a telephone (20), which is provided with the functionality of sending and receiving radiotelephony messages, the method comprising the phases of A. the issuing institution checks the validity of the credit instrument, and B. the issuing institution sends to the commercial site a confirmation or refusal of authorization of the mandate of payment, C. sending from the use'"'"'s telephone (20) to a radiotelephony message managing device (22) of a service center (21) of the issuing institution a radiotelephony message comprising a commercial site identification code, the amount of money and/or instrument identification data and/or user identification data and/or telephone identification data.
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Citations
28 Claims
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1. Method for authorising mandates of payment through credit instruments, wherein a user purchases at least one item of goods and/or at least one service in a commercial site in exchange for the payment of an amount of money, the user being the owner of at least one credit instrument, which is issued by an issuing institution (21) and univocally determined by credit instrument identification data, and of a telephone (20), which is provided with the functionality of sending and receiving radiotelephony messages, the method comprising the phases of
A. the issuing institution checks the validity of the credit instrument, and B. the issuing institution sends to the commercial site a confirmation or refusal of authorisation of the mandate of payment, depending on the outcome of the check, the method being characterised in that it comprises the following preliminary phase: -
C. sending from the user'"'"'s telephone (20) to a radiotelephony message managing device (22) of a service centre (21) of the issuing institution a radiotelephony message comprising a commercial site identification code, the amount of money and/or instrument identification data and/or user identification data and/or telephone identification data, the commercial site identification code and the amount of money being inputted by the user during composition of the message. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28)
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Specification