Method guaranteeing payment for electronic commerce in particularly by mobile telephone and a system implementing it
AssigneeGemalto SA
InventorsChristophe Cornillon, Brigitte Vermelle
Life of this patent
Estimating the term…
Abstract
An electronic payment method for a retailer using an operator network and a financial organization. During a transaction two certificates are produced; one using an operator key and the other using a banking key. The first certificate is sent to the operator and the other certificate is securely placed under the control of the financial organization.
Claims11
A method of making an electronic payment by a customer to a retailer over a telecommunication network using a customer device, wherein the customer device stores a key of an operator of the telecommunication network and a key of a bank, said method comprising:
- producing by the customer device a first certificate using the key of the operator of the telecommunication network;
- producing by the customer device a second certificate using the key of the bank;
- transmitting by the customer device, via the telecommunication network, the first certificate to the operator of the telecommunication network, and
- storing by the customer device the second certificate in a secure location accessible only by the bank.
An electronic payment device for making an electronic payment by a customer to a retailer over a telecommunication network, said electronic payment device comprising:
- means for storing a key of an operator of the telecommunication network;
- means for storing a key of a bank;
- means for producing a first certificate using the key of the operator of the telecommunication network;
- means for producing a second certificate using the key of the bank;
- means for transmitting the first certificate to the operator via the telecommunication network;
- and
- means for storing the second certificate in a secure location accessible only by the bank.
An invoicing server connected to a network of a telecommunication network operator for invoicing goods or at least one service supplied by a retailer to a customer performing at least one electronic transaction on the network by means of an electronic payment means, said invoicing server comprising:
- means for receiving from the electronic payment means a certificate of the network operator and a certificate of a bank, the certificate of the network operator and the certificate of the bank being produced by the electronic payment means using a key of the operator of the telecommunication network and a key of the bank, respectively, at the time of the electronic transaction;
- means for processing the transaction using the network operator certificate received from the electronic payment means;
- and
- means for storing the certificate of the bank under the control of only the bank.
Dependencies are inferred from the claim text.