Title:
METHOD AND SYSTEM FOR FORMAL GUARANTEE OF A PAYMENT, USING A PORTABLE TELEPHONE
Document Type and Number:
WIPO Patent Application WO2003010721
Kind Code:
A3
Abstract:
The invention concerns a method and a system enabling a user to perform remote payment settlement with a purchaser (23) payment for goods and/or services without risk of repudiation on the part of the user (2). The method comprises a step whereby the user (2) of goods and/or services transmits to a purchaser (23) supplying goods and/or services, the call number (13) of the mobile telephone (25) of the user (2); the step, whereby the user (2) transmits directly or indirectly, a password (15) to a banking institution (7). When the user (2) is registered, the password is transmitted by the banking institution (7) to the user (2), entirely or partly via a terminal (8), in particular an ATM/ABM automatic cash dispensing machine. The method further comprises a step, whereby the user (2) electronically signs the payment, by activating a private key, located in particular in the SIM card (48) of the mobile telephone (25) of the user (2). The user (2) thus remotely settle the payment for goods and/or services without the possibility of subsequent repudiation.
Inventors:
ASSUERUS FREDERIC (FR)
BERGSTEN ULRIK (FR)
BERGSTEN ULRIK (FR)
Application Number:
PCT/FR2002/002658
Publication Date:
November 27, 2003
Filing Date:
July 24, 2002
Export Citation:
Assignee:
CREDIT LYONNAIS (FR)
ASSUERUS FREDERIC (FR)
BERGSTEN ULRIK (FR)
ASSUERUS FREDERIC (FR)
BERGSTEN ULRIK (FR)
International Classes:
G06Q20/00; G07F7/08; G07F7/10; (IPC1-7): G07F7/08; G07F7/10; G07F19/00
Domestic Patent References:
| WO2001039085A1 | 2001-05-31 | |||
| WO2000017794A2 | 2000-03-30 |
Foreign References:
| EP1061484A2 | 2000-12-20 | |||
| US6016476A | 2000-01-18 |
Download PDF: