Telepayment method and system
First Claim
1. A telepayment method involving a first entity comprising a vendor having an identifier, a second entity comprising a purchaser having a global system for mobile communications (GSM) type mobile equipment, and a third entity comprising a telepayment server with which the purchaser and the vendor have entered into an agreement and which is able to set up a connection at least with said mobile equipment, the method comprising:
- a) executing a preliminary exchange between the vendor and the purchaser for completing a transaction corresponding to the payment of an amount due to the vendor for a service;
b) during the preliminary exchange, receiving, by the purchaser, the identifier of the vendor and non-confidential information including data relating to the vendor;
c) sending by the mobile equipment of the purchaser to the telepayment server a message including the non-confidential information and said amount for the service;
d) sending, by the server to the mobile equipment of the purchaser a message requesting the purchaser to enter a payment code, said message including at least said amount and the identifier of the vendor, said identifier being obtained by the server from the received non-confidential information;
e) comparing, by the purchaser, the identifier received in step d) with the identifier of the vendor received during the preliminary exchange;
f) sending, by the mobile equipment of the purchaser to the server, confidential information enabling payment of said amount, if the result of the comparison in step e) is positive; and
g) receiving said amount by the server after the confidential information enabling payment of said amount is sent to the server.
1 Assignment
0 Petitions
Accused Products
Abstract
After a preliminary exchange between the vendor and the purchaser with a view to completing a transaction corresponding to the payment of an amount due to the vendor for a service rendered, information is exchanged only between the purchaser and a telepayment server (T). The purchaser sends the telepayment server information (1) including data relating to the vendor and said amount. The server then authenticates the vendor'"'"'s identifier (I1) on the basis of the information received and responds by sending the purchaser a message (2) instructing payment of said amount and including at least said amount and the identifier (I1) of the vendor. The purchaser responds by sending the server confidential information (3) enabling payment of said amount, after verification by the purchaser of the identifier (I1) of the vendor.
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Citations
11 Claims
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1. A telepayment method involving a first entity comprising a vendor having an identifier, a second entity comprising a purchaser having a global system for mobile communications (GSM) type mobile equipment, and a third entity comprising a telepayment server with which the purchaser and the vendor have entered into an agreement and which is able to set up a connection at least with said mobile equipment, the method comprising:
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a) executing a preliminary exchange between the vendor and the purchaser for completing a transaction corresponding to the payment of an amount due to the vendor for a service; b) during the preliminary exchange, receiving, by the purchaser, the identifier of the vendor and non-confidential information including data relating to the vendor; c) sending by the mobile equipment of the purchaser to the telepayment server a message including the non-confidential information and said amount for the service; d) sending, by the server to the mobile equipment of the purchaser a message requesting the purchaser to enter a payment code, said message including at least said amount and the identifier of the vendor, said identifier being obtained by the server from the received non-confidential information; e) comparing, by the purchaser, the identifier received in step d) with the identifier of the vendor received during the preliminary exchange; f) sending, by the mobile equipment of the purchaser to the server, confidential information enabling payment of said amount, if the result of the comparison in step e) is positive; and g) receiving said amount by the server after the confidential information enabling payment of said amount is sent to the server. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A telepayment system comprising, mobile equipment of the GSM type used by a purchaser:
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a telepayment server with which the purchaser and a vendor have entered into an agreement and which is able to set up a connection at least with said mobile equipment, a preliminary exchange having been established between the vendor and the purchaser for completing a transaction corresponding to the payment of an amount due to the vendor for a service; wherein the mobile equipment comprises; means for receiving an identifier of the vendor and non-confidential information comprising data relating to the vendor; means for sending to the telepayment server either the non-confidential information and said amount for the service, or confidential information; and means for receiving from the telepayment server a message requesting the purchaser to enter a payment code; and wherein the telepayment server comprises; means for authenticating the vendor'"'"'s identifier on the basis of the non-confidential information received from the mobile equipment of the purchaser; and means for sending in response to the mobile equipment of the purchaser a message requesting the purchaser to enter a payment code, said message including at least said amount and the vendor'"'"'s identifier; and means for receiving said amount by the server after the payment code has been entered.
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Specification