Patent ID: 6807410
Filing Date: 2004-10-19
Classification: G06Q

Abstract:
An electronic payment process involving a first entity called â€œthe customerâ€  (C) having a first piece of telephone equipment and a second entity called â€œthe merchantâ€  (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 â€œgatewayâ€ , 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.