Patent ID: 8645271
Filing Date: 2014-02-04
Classification: G06Q,G07F

Abstract:
1. A secure telematic payment method for controlling on-line transactions realized without a payment card, said method including the steps of: a) utilizing an unsecured open network using the TCP/IP protocol via the internet for interconnecting a first group of servers by means of which merchants perform commercial transactions, a second group of servers by means of which banks perform financial transactions, a group of clients by means of which customers perform commercial and financial transactions, and a third group of servers by means of which a service operator performs operations for validating said transactions, b) connecting said first group of servers to said third group of servers via a telephone network, c) providing a closed network using a connection mode and connecting said second group of servers to said third group of servers, d) using a mobile telephone network for connecting said third group of servers to said customers, and comprising the following steps: (1) a bank code comprising a first country identification field and a second bank identification field for each of the customers, (2) an electronic account identification number attached to said bank account number, and (3) an identification code differing for each of the customers,