Electronic payment process and system for implementing this process
First Claim
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1. An electronic payment process involving a first entity called “
- the customer”
(C) having a first piece of telephone equipment and a second entity called “
the merchant”
(M) having a second piece of telecommunications equipment, characterised in that the customer'"'"'s equipment is a piece of mobile telephone equipment and in that it involves additionally a third entity (P), called a “
gateway”
, having a third piece of telecommunications equipment able to establish a connection with the merchant (M) equipment and a telephone connection with the customer (C) equipment, this process including the following exchanges between the equipment of the three entities;
a) the merchant sends to the gateway (P) data defining a service offer with, in particular, an amount to be settled by the customer, and adds to this data merchant identification data, b) the gateway (P) authenticates the merchant, converts the offer data into a message adapted to the performance of the customer'"'"'s (C) mobile equipment and sends this message together with gateway (P) authentication data to the customer (C), c) the customer (C) authenticates the gateway (P) and sends back to it an agreement message, together with information allowing the bank to settle the payment amount, d) the gateway (P) authenticates the customer (C), verifies that payment is possible and sends the merchant (M) a message stipulating that the payment amount is fully able to be settled.
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Abstract
Electronic payment process and system for implementing such a process.
Customer equipment is mobile equipment, for example of the GSM type. In addition to the customer (C) and the merchant (M), a gateway (P) participates in the transaction, authenticates the customer and the merchant and ensures that the goods item ordered will be duly paid for. Customer equipment may work with a bank payment card.
136 Citations
21 Claims
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1. An electronic payment process involving a first entity called “
- the customer”
(C) having a first piece of telephone equipment and a second entity called “
the merchant”
(M) having a second piece of telecommunications equipment, characterised in that the customer'"'"'s equipment is a piece of mobile telephone equipment and in that it involves additionally a third entity (P), called a “
gateway”
, having a third piece of telecommunications equipment able to establish a connection with the merchant (M) equipment and a telephone connection with the customer (C) equipment, this process including the following exchanges between the equipment of the three entities;a) the merchant sends to the gateway (P) data defining a service offer with, in particular, an amount to be settled by the customer, and adds to this data merchant identification data, b) the gateway (P) authenticates the merchant, converts the offer data into a message adapted to the performance of the customer'"'"'s (C) mobile equipment and sends this message together with gateway (P) authentication data to the customer (C), c) the customer (C) authenticates the gateway (P) and sends back to it an agreement message, together with information allowing the bank to settle the payment amount, d) the gateway (P) authenticates the customer (C), verifies that payment is possible and sends the merchant (M) a message stipulating that the payment amount is fully able to be settled. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
the merchant (M) equipment including means able to send to the gateway (P) equipment data defining a service offer, with in particular the amount to be settled by the customer (C) together with merchant identification data, the gateway (P) equipment including authentication means able to authenticate the merchant (M) from the latter'"'"'s ID data and means to convert the offer data into a message adapted to the customer (C) mobile equipment and to send this message to the customer with ID data, the customer (C) mobile equipment including means to authenticate the gateway (P) and to send it an agreement message together with confidential information allowing the amount for the service to be paid, the means for authenticating the gateway (P) equipment being able additionally to authenticate the customer (C), the gateway (P) equipment additionally including means to ensure that payment is possible. -
19. A system according to claim 18, wherein the customer (C) mobile equipment is equipment of the GSM type.
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20. A system according to claim 18, wherein the customer (C) mobile equipment is provided with means allowing a bank payment card (CB) to be inserted and used.
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21. A system according to claim 18, wherein the customer (C) mobile equipment is provided with means allowing an electronic purse (PME) to be inserted and used.
- the customer”
Specification