WO2008020123A1

WO2008020123A1 - Payment method and system by means of a mobile telephone

Info

Publication number: WO2008020123A1
Application number: PCT/FR2007/001352
Authority: WO
Inventors: Serge Barthelemy
Original assignee: Paycool International Limited
Priority date: 2006-08-18
Filing date: 2007-08-07
Publication date: 2008-02-21
Also published as: FR2905021B1; EP2080160A1; FR2905021A1

Abstract

The invention relates to a mobile payment method between a payer and a receiver involving a mobile payment system (21) in which each user uses a plurality of payment means associated with accounts containing monetary quantities, the payment orders being placed by the intermediary of the user's mobile telephone and the mobile telephone network. This mobile payment method is characterized in that it comprises, for each user, the steps of: prior to the first payment transaction, registering with the Mobile Payment System (21) a User Profile indicating the Means of Payment that may be used by the user; and during each payment transaction, comparing the list of the Means of Payments available for the receiver of the payment and the list of the Means of Payment available for the payer, and in deducing therefrom the list of Possible Means of Payment for completing the payment transaction in progress. The invention also relates to a Mobile Payment System (21) capable of implementing said Mobile Payment Method.

Description

METHOD AND SYSTEM OF PAYMENT USING A TELEPHONE

MOBILE

The invention relates to a payment method using the mobile telephone, and a payment system implementing said method. Such a payment system using the mobile phone to initiate or validate a payment transaction, will be called thereafter a Mobile Payment System.

Introduction

Electronic payment methods have developed in recent years. The rapid development of mobile telecommunications has led to the emergence of new solutions for financial transactions using mobile phones.

For a better clarity of the description that follows, some definitions will be asked.

Definitions:

Mobile phone: within the meaning of the present patent application, mobile telephone means any portable electronic device having at least a microprocessor, a memory, a display device and can connect to a telephone network digital wireless (including GSM, CDMA, UMTS, etc.)

Means of Payment: This is a means associated with an account containing monetary values (currencies) or other securities that may, according to certain rules, be exchanged for monetary values or goods and services (eg miles, loyalty points, etc.). This means makes it possible to carry out debit and credit operations on the account with which it is associated.

Compatible Payment Methods: The Means of Payment that are available to a payer and a receiver will be deemed compatible for a transaction, if they are identical or if the Mobile Payment Operator is able to perform ( directly or indirectly) the debit of an account associated with the Payee's means of payment and the credit of an account associated with the Receiver's means of payment (for example: the payer's electronic wallet will be compatible with the Receiver's VISA payment method if the Mobile Payment Operator may debit the payer's electronic wallet account and credit the recipient's VISA account). It should be noted that Compatible Payment Methods are necessary but not sufficient to carry out a Mobile Payment transaction, since the operating parameters of certain Payment Methods may prevent the completion of certain transactions, even if these Payment Methods are compatible.

Possible Payment Method: it is a Compatible Payment Method allowing, for a given transaction, the effective realization of a payment from a payer to a receiver, that is to say a Compatible Payment Method whose usage parameters determined by the Payor and Receiver Profiles are also compatible for the particular transaction. Mobile Payment Service: this is a service offered by a Mobile Payment Operator with a system allowing subscribers to the Service to make payments using their Mobile Phone.

Mobile Payment Operator: An organization offering the Mobile Payment Service to its subscribers or customers.

Mobile Payment System: This system is managed by a Mobile Payment Operator and allows the Mobile Payment Operator to offer its subscribers a Mobile Payment Service.

Profile of a subscriber to the Service (whether it is a payer or a receiver of payments): it is the list of the means of payment registered by the subscriber, with for each means of payment the definition of the conditions and parameters of use, such as in particular the possibility for each Payment Method to operate in debit or credit, or the minimum and maximum acceptable amount for transactions. Some of these parameters are defined by the users, others, such as the cost of using the means of payment, the time of execution of a transaction, etc., which can be filled in by the operator to help the user. in the choice of an appropriate means of payment for the proposed transaction.

Mobile Payment Program; executable program on a Mobile Phone or SIM card, provided by the Mobile Payment Operator, usually downloaded by the subscriber, and allowing him to use the Mobile Payment Service.

State of the art In most mobile payment systems known in the current state of the art, in order to realize the transaction itself, the transaction system will, once the transaction has been approved by the payer, trigger a debit mechanism. payer and credit of the receiver. This operation is usually unique and is a feature of the system in question.

For example, as described in patent applications WO / 2003/094491 and WO / 2005/015452 a Mobile Payment System may manage a mobile account dedicated to payment transactions, and the payment is then made by debiting the account the payer and the receiver's account credit.

In other known cases, the system will simply transmit to another entity a payment order. This can be a credit or debit card payment agency, as these cards are currently very popular.

In another case the system will trigger a transfer order from the payer's bank account to a receiver's bank account. Generally speaking, in known mobile payment systems, a Mobile Payment System user is forced to use the system's inherent debit mode and is not able to choose his preferred mode of debit according to the type of payment. transaction that he realizes. This limits the means of payment available to the user at any moment, and makes the evolution of the payment system difficult and even impossible. the enrichment of the means of payment accepted. In particular, known mobile payment systems will allow the user to perform certain mobile transactions at merchants who are affiliated with the particular mobile payment system, but not at other merchants. As a result, the user will be required to carry both his mobile phone to perform certain transactions, and other means of payment (credit cards, check books, meal vouchers, etc.), to perform other transactions, those not allowed by the Mobile Payment System according to the state of the art. Of course, the user will also be obliged to know or have with him all the identification codes associated with his means of payment, such as the PIN codes of the bank cards he wishes to use.

An object of the invention is therefore to provide a Mobile Payment System, and an associated payment method, which overcomes the disadvantages of known mobile payment systems and methods.

Another object of the invention is to propose a Mobile Payment System and Method which is flexible and scalable, and which allows the operator of the Mobile Payment System to gradually add new payment means to the range of means of payment. payment that can be used by the system.

Another object of the invention is to enable the users of the Mobile Payment System to use an increasing number, or even all of their means of payment, through their only mobile phone, without the need to carry with them a plurality or all of their means of payment. To this end, the invention proposes a method of Mobile Payment between a payer and a receiver using a Mobile Payment System running a Mobile Payment Program, and in which each user uses a plurality of payment methods, the orders of payment being made via the mobile telephone of the user and the mobile telephone network, characterized in that it comprises, for each user, the steps of: - prior to the first payment transaction, register with the Mobile Payment System a user profile indicating the means of payment likely to be used by the user; and for each payment transaction, compare the list of available payment methods for the payment recipient, and the list of available payment methods for the payer, and deduce the list of the possible payment methods to complete the payment transaction. In progress . Preferably, the step of registering the means of payment with the Mobile Payment System comprises the recording of a set of usage parameters related to each payment method that may be used by a user of the Payment System. Mobile. Advantageously, the usage parameters associated with each payment method comprise the capacity of each Payment Method to operate in Debit and / or Credit, and / or the minimum amount and / or the maximum amount eligible for each means of payment. Payment. One or more of the usage parameters of each Payment Method can be defined by the user, and the others Usage settings for each Payment Method are set by the Mobile Payment Operator.

Preferably, the Payment Method includes, at each payment transaction, a step of proposing to the payer to select a particular Payment Method from the list of Possible Means of Payment generated by the Mobile Payment System, followed by a step of validation of the selection made by the payer, of a particular means of payment. The Mobile Payment Method further comprises, during each payment transaction, a step of validating and confirming using the Payor's Mobile Phone, the request to execute the transaction with the particular Payment Method selected; According to another characteristic of the method according to the invention, in order to determine the list of Possible Means of Payment for performing the current payment transaction, the Payment System retains among the list of Means of Payment that may be used by the payer, those who have parameters of use (Debit, Credit, Amount) compatible with the Means of Payment likely to be used by the receiver of the payment.

The invention also relates to a Mobile Payment System comprising, on the one hand, a transaction platform and, on the other hand, a plurality of mobile telephones capable of communicating with the transaction platform via the mobile telephone network, in which each Mobile Payment System user uses one or more payment means associated with accounts containing monetary values, characterized in that the transaction platform comprises on the one hand storage means capable of storing data identifying the users and the means of payment likely to be used by each user of the Mobile Payment System, and on the other hand includes processing means for determining when each payment transaction, the list of Possible Payment Methods for that transaction, and to propose it to the requestor of the transaction;

In an advantageous variant of the Payment System, the Mobile Payment Program is loaded into each Mobile Phone. It is able to communicate with the transaction platform in order to validate the payment transaction with one of the possible payment methods offered by the transaction platform. Advantageously, the data storage means comprise a memory associated with a database, and the stored data include on the one hand the list of payment methods likely to be used by the users, and on the other hand a set of usage settings related to each Payment Method.

The processing means consist of a transaction processor associated with a system software capable of comparing, during each payment transaction, the list and the parameters of use of the means of payment authorized by the recipient of the payment, and the list and the parameters of the means of payment authorized by the payer, and to deduce the list of Possible Means of Payment for this transaction.

The invention provides that the mobile payment program of each mobile phone includes means for displaying the list of the possible means of payment offered by the transaction platform, and means for validate the payment transaction with one of the possible payment methods in the list.

In an alternative embodiment of the Mobile Payment System, the transaction platform comprises a download server able to send the Mobile Payment Program to the Mobile Phone of the users.

The Mobile Payment Program is then downloaded to the mobile phone's memory or to a memory located in the SIM card. The Mobile Payment System comprises at least one communication interface capable of communicating, on the one hand, with the mobile telephones of the users according to the different communication protocols used by them, and on the other hand with a message processor able to put shaped the messages and commands from the Mobile Phones of the users to be interpreted by the transaction processor.

It further comprises at least one payment interface capable of communicating with the transaction processor and executing the payment orders received from the transaction processor.

Preferably, the transaction platform comprises a crypto-processor connected between the transaction processor and the database stored in the memory, in order to encrypt the data exchanged between the database and the transaction processor.

Other features and advantages of the invention will appear on reading the detailed description and the accompanying drawings in which: FIG. 1 is a flowchart illustrating the preparatory steps of the Mobile Payment Method according to the invention, in particular the step of registering a user; FIG. 2 is a flowchart illustrating the steps of the processing of a Transfer Order by the Payment Program according to the invention; FIG. 3 is a flowchart illustrating the steps of the processing of a Payment Request by the Mobile Payment Program according to the invention;

Figure 4 schematically illustrates the functional blocks of an embodiment of a Mobile Payment System according to the invention, for implementing the Mobile Payment Program. We refer to Figure 1. The user who has an identifier (typically a number with 9 digits or more) with the Mobile Payment System, records at first on the System his Profile and Payment Methods that he will wish to be able to use to carry out mobile transactions. The registration can be done in several ways, either directly online on the website of the Operator of the Mobile Payment Service, or in an agency of the Operator, or from his mobile phone, or from a distributor tickets or a dedicated kiosk for this purpose. For this purpose, he / she enters all the elements that will make it possible to use the Payment Method, as well as the way in which the Payment Method should be used (Debit Only, Credit Only, Debit AND Credit). Optionally, the user can define minimum and maximum amounts for each type of transaction made using the payment method in question. Table 1 below gives an example of a list of Means of Payment, as well as for each Payment Method, data relating to their operation that the user will register with the system.

Table 1

These data constitute the User Profile, whose identifier is for example: 674 235 898.

In the example shown in FIG. 1 of an online recording on the Operator's website, as represented in step (1), the user accesses the Registration Server 11 via the network interface 13, Internet-based interface type, and provides personal data necessary for registration as well as those relating to its means of payment, these data being taken into account and recorded by the Mobile Payment System at the level of

Registration server 11 connected to the network.

In the second time, the user downloads on his

Mobile Phone an executable program (Mobile Payment Program). It is this program that will allow him to make payments by using each transaction the means of payment of his choice, as described below.

This program also contains, in parameters, the information relating to the means of payment registered by the user of the Mobile Payment Service. These parameters can be updated at any time by the user or even automatically.

To load the Mobile Payment Program, the following steps are performed: (2) A download request is transmitted via the Mobile Phone 15 of the user to the Download Server 17.

(3) The latter requests the Security Server 19 to generate the keys and security codes for the Mobile Payment Program. When the keys and security codes are available, the Download Server 17 customizes the Mobile Payment Program of the user considering the data provided by the latter and the keys and security codes generated by the Security Server.

(4) Next, the Download Server 17 transmits the Internet URL address to which the Mobile Payment Program is available, to the Mobile Phone 15 of the user, in particular via SMS type message (Short Message Service in English terminology). Saxon), or via any other messaging system (Push WAP ...).

(5) Then the user responds with the help of his mobile phone 15, at the request of the Download Server 17, requesting the download of the Mobile Payment Program.

(6) In response, the Download Server 17 performs download of the Mobile Payment Program on the Mobile Phone 15 of the user.

(7) Then the Download Server 17 notifies the Registration Server 11 that the download is complete.

(8) Next, the Registration Server 11 delivers to the user, on the WEB site 13, an activation code of the Mobile Payment Program.

(9) Finally the user only has to start the execution of the Mobile Payment Program and the activation code is then requested. Entering this code triggers the unblocking of the Mobile Payment Program and the notification to the Registration Server 11, which completes the download phase of the Payment Program.

Mobile on the Mobile Phone of the user.

As an alternative to the above steps in which the download is done interactively, if the Mobile Payment Service Operator has access permissions to the SIM card, the Operator may download directly a version of the program adapted to the SIM card, directly in the SIM card of the user.

It should be noted that according to a variant of the invention, the Mobile Payment Method could also be without a step of loading a Mobile Payment Program in Mobile Phones, provided that they have a browser to make a connection type "http" or more preferably "https" (via WAP, i-mode or other ...) with the Mobile Payment System. In this case the Mobile Phones are transparent and behave like neutral terminals allowing to simply display information sent by the platform of the Mobile Payment System, and to send orders or data to the platform of the Mobile Payment System for to be executed.

Realization of transactions:

Payment transactions can generally be grouped into two broad categories: A- Payments initiated by the Payor, to a Receiver; they will be called "Transfers";

B- Payments initiated by the Receiver; they will be called "Payment Requests" addressed to a

Payer The Mobile Payment method according to the invention has common characteristics that are used regardless of the type of transaction, including transfer or payment request.

The principle of the Mobile Payment Method according to the invention consists in comparing the profile of the receiver

(typically the merchant) and the payer (typically the customer) to determine the means of payment Possible for the proposed transaction, ie those that the payer may actually use to make the intended payment.

This comparison is as follows: 1- The Mobile Payment System compares the Payment Methods of the two Profiles and selects the Compatible Payment Methods.

2- Then the Mobile Payment System compares the parameters associated with the Compatible Payment Methods, to make a new selection: those that can operate in debit for the payer and in credit for the receiver.

- those that can work considering the amount of the transaction and the parameters of minimum and maximum for the Compatible Payment Methods selected in step 1, and this on both the payer and the receiver side.

3- To conclude, the Mobile Payment System deduces from this comparison, the Possible Means of Payment for this transaction.

We will now describe in more detail the implementation of this Mobile Payment Method, as part of the implementation of a Transfer, and in the context of the. completion of a Payment Request.

Realization of a Transfer:

Referring to Fig. 2, the realization of a Transfer using the Method and System of

Mobile payment according to the invention. To perform a Transfer, the user will use the method containing the following steps: 1- The menu of its Mobile Phone 15 offers a series of options, including the menu of the Mobile Payment application.

2- After the user has selected in 20 this application in the main menu, the various operations enabled by the application are proposed to him in 22 in a submenu as follows:. Make a transfer. Sending Payment Request. Check my balance

. Transactions made. Change my settings. Customer service

The user therefore chooses in 24 the option "Make a transfer".

3- In response, the application asks 26 to the user to enter the amount to be transferred and the recipient or recipient of the sum. As a result, the user enters in 28 an amount on his mobile phone, for example 55,00 Euro, as well as the identifier of the recipient of the transfer. This entry triggers the sending in 30 by the Mobile Payment Program of a request to the Mobile Payment System so that it suggests to the user a choice of Payment Methods usable to carry out his transfer. 4- On the basis of the user's profile and the recipient's profile, which are stored in the transaction platform 23, and the characteristics of their pre-recorded payment means in the Mobile Payment System, the latter then selects in 32 among the payment methods available from the payer, those that are compatible with the means of payment of the receiver for the intended transfer. Then in 34 he selects among the Means of Compatibility Payment, those that are Possible for the proposed transaction, given its amount and other parameters associated with the Means of Payment, as explained in relation to Table 1. The Mobile Payment System then returns in 36 the list of Means of Payment. Possible payment for the transfer; these are presented by the Mobile Payment Program which displays them and asks the user to choose one of these Possible Payment Methods: 1: Electronic Wallet

2: VISA card

In response, the payer selects at 38 for example 1 (Electronic Wallet), and possibly enters a comment that will accompany his Transfer. Then he validates, and the application asks him to enter his PIN to make sure that it is the legal user of the Mobile Phone that initiates the Transfer. This last operation has the effect of sending in 40 the transfer order to the Mobile Payment System. 5- The Mobile Payment System then executes in 42 the Transfer transaction, debiting the Payor's Electronic (Operator-Managed) Wallet and crediting the Receiver's, the net amount of the transaction. It should be noted that if the payer had used another means of payment than a possible means of payment, the system would have sent a message to the payer suggesting one (or more) possible means of payment or in the absence of a Possible Payment Method, it would notify the payer of the impossibility of carrying out the transaction.

Realization of a Payment Request:: Referring to Figure 3, which is similar to Figure 2, and in which the same operations are designated by the same reference numerals. The Payment Request is particularly well suited for the payment of a merchant (store, online merchant, etc. ..), and will offer users new possibilities.

The merchant who accepts this method of payment has therefore registered his Preferred Means of Payment in his Profile, for example the Means of Payment as listed in Table 2 below:

Table 2

Means of

Minimum Maximum Payment Mode

10000.0

Debit

Portfolio Yes 0 Electronics

Credit yes

15000.0

Debit 100.00 Current Account yes 0

Bank B

Credit yes

Flow N'A »

Current account no

Bank C

Credit 50.00

YES

Flow not

Visa

Credit yes

By this method the merchant will be able to choose, by default to define the means of payment (from his profile) that he accepts from his customers, or to define for some transactions the means of payment he accepts from his customers.

Let's take the example of a Payment Request sent by the merchant (restaurant "The good Gîte" whose profile is presented above), to a customer (identifier

674 235 898) whose profile has been presented in Table 1 above.

The merchant has chosen to accept by default all the payment methods mentioned in his profile. On its payment terminal with the Mobile Payment Program it will proceed as follows: 1- II selects in 20 the Mobile Payment program;

2- In the menu he selects in 24: Make a Payment Request; 3- in 52, he enters the amount: 45,00 € and the Means of payment, for example "ALL" {that is to say all those registered in the Profile, as well as the ID of the PAYER: 674 235 898, and any Comments: Invoice No. 607388. Then he alides and sends. Once this last seizure made the Mobile Payment Program sends in 30 to the Mobile Payment System a file containing the elements of the Payment Request.

In the case of the Payment Request example above, the different stages of selection by the Payment System give the following results:

- Selection in 30 of the eligible Payment Methods: Electronic Wallet, Bank B, VISA Card, Meal voucher. - Selection in 32 of Compatible Methods of Payment: Electronic Wallet, VISA Card, Meal Check.

- Selection in 34 Possible Means of Payment: Electronic Wallet, Check Meal. Once these successive selections are made by the Mobile Payment System, the latter will send in 36 on the mobile phone of the payer a request for payment authorization containing the elements of the transaction as issued by the receiver but with the addition of the selection of the Possible Means of Payment for this transaction.

The payer thus receives on his Mobile Phone the following request, according to our example: You authorize the payment of 45,00 € for the benefit of "Le bon Gite" Invoice N ° 607388, By:

- Electronic Wallet

- Meal voucher

The payer then selects in 38 the possible means of payment (electronic wallet or check meal) that he wishes to make this transaction, then he validates his choice and enters his PIN. This last operation has the effect of sending in 54 to the Mobile Payment System the payment authorization with the payment method selected by the payer (here the Check Meal).

The Mobile Payment System will then trigger in 56 with the Cheque Meal Manager a payment process of 45.00 € in favor of the merchant "The good Gîte" by debiting the account of the user identified by his number 674 235 898 This payment process is in line with that already known in the state of the art and does not require a detailed description.

It is expected that once the settlement confirmed by the Cheque Meal Manager, the Mobile Payment System notifies the receiver and the payer of the proper execution of the transaction.

Referring to Figure 4 to describe an embodiment of a Mobile Payment System capable of implementing the Mobile Payment Method according to the invention. This figure shows a schematic view of the entire Mobile Payment System 21 according to the invention, with its main components. The mode of described embodiment is one where a Mobile Payment Program is loaded into each Mobile Phone.

The Mobile Payment System 21 comprises a transaction platform 23 which is connected on the one hand to a series of communication interfaces 13a, 13b, 13c, 13d which allow the exchange via the mobile telephone network and / or the internet. , data and instructions with the users, whether payers or receivers of the amounts that are subject to payments, and on the other hand to a series of payment interfaces 25a, 25b, 25c, 25d which allow to exchange data and instructions with the payment operators, who are responsible for carrying out the actual transactions with the means of payment used by each transaction. These payment interfaces 25 are already known and include, for example, an interface 25b with a debit / credit card management organization, such as the point of entry to the transaction management organization using the VISA, MasterCard or other. The communication interfaces 13 make it possible to offer several types of communication or telecommunications channels with the users according to the equipment of the latter. Thus, an internet interface 13a allows users to connect via the WEB to the transaction platform 23. This channel will be mainly used by fixed users such as merchants. The other known communication interfaces typically correspond to communication channels (WAP, SMSC, USSD or others) which will be advantageously used by mobile users.

The different communication interfaces 13 are connected on the side of the transaction platform 23, to a message processor 27, whose function is to format the messages exchanged with mobile phones users, to support the various communication protocols used by them. The message processor 27 is connected to a download server 17, which, as explained above, makes it possible to send mobile phones 15 users, the elements that will allow the download of the Mobile Payment Program, to the mobile phones. subscribers or customers.

The message processor 27 is further connected to a transaction processor 29 which is at the heart of the transaction platform 23 and which executes the transactions requested by the users and formatted by the message processor 27. For this, the processor of transactions 29 executes a system processing algorithm installed on board. This program comes in particular read in the memory 31, the information it needs to perform a transaction requested by a user. In addition, it manages the exchange of information with users, in connection with the Mobile Payment Program that runs on mobile phones and manages the menus offered to users. Then according to the instructions collected from the users, the transaction processor 29 compares the payment methods available on the side of a payer and on the side of a receiver who are applicants for a payment transaction. Based on this comparison, the transaction processor 29 determines the Payment Methods of the Payor and the Receiver, and establishes the list of the Possible Means of Payment for a given transaction, according to its characteristics (debit, credit). and its amount and / or other parameters. Then it sends the list of the Possible Payment Methods to the requesting user, which will allow the Mobile Payment Program to trigger on the screen of the Mobile Phone of the user, the display of the list of Possible Payment Methods and the request for choice of a Payment Method among the Possibles. Depending on the response of the user, the transaction processor 29 transmits to the payment interfaces 25, the execution instructions of the different transfers and payment requests validated by the payers.

In order to be able to store the user profiles when they are registered, the transaction platform 23 also includes a memory 31 in which a database is installed, which receives all the data necessary for the operation of the system, and in particular the identification information. users, and information on the means of payment declared by each user, such as the operating parameters (debit, credit, minimum and maximum amounts) of each means of payment. Preferably, computer security means are provided to secure access to the memory 31 and the database information that can be encrypted. These means take for example the form of a crypto-processor 33 which will encrypt the data to be written in the memory 31 by means of an appropriate encryption algorithm, and decrypt them when the transaction processor 29 needs to access certain data to execute a transaction. The cryptoprocessor 33 will also be advantageously used on the one hand to encrypt messages sent to users and decrypt messages received from the same users. The encryption and decryption are performed on the crypto-processor 33 using the algorithm chosen by the Mobile Payment Operator and keys stored securely in a security module HSM (Hardware Security Module) 35.

Also shown in the figure is a so-called "back-office" subsystem 37, which is a management subsystem that will allow the manager to follow the evolution of the system, to update it, to enter information , to provide reports (statistics, billing, accounting elements, etc.).

The advantages of the Mobile Payment System and the Mobile Payment Method according to the invention are numerous and significant compared to the current state of the art in the field of mobile payment.

Thus, where the known mobile payment systems are limited by the use of a single and predetermined payment means, such as a dedicated account opened by each user with a telecommunications operator, the Mobile Payment System according to the invention offers a range of unlimited and scalable means of payment. To broaden the range of transaction possibilities, it is sufficient to add authorized means of payment and their operating parameters, to the Mobile Payment System database, and to update the Mobile Payment Programs installed. in Mobile Phones users. This kind of update is easy to implement, telecommunication operators who are used to updating, especially over the air, the data or programs in the memories of .SIM cards, for their telecommunications applications.

Moreover, another advantage of the Mobile Payment System and the payment method according to the invention resides in the fact that it will make it possible to dematerialize means of payment which for the moment only exist on paper supports: Meal vouchers, gift vouchers from a particular store, universal service check (CESU), etc. It will now be easy to enter these Means of Payment and their usage parameters in the Mobile Payment System database and in the application program at the user level, which will further enrich the range of Means of Payment. Payment available for mobile transactions, without there being any predefined limit to the number of means of payment accepted in the Mobile Payment System. It will be sufficient if the operator of the Mobile Payment System and any other organization or company wanting to use the system, agree on the integration into the Mobile Payment System of specific payment methods and their parameters.

Another significant advantage of the Mobile Payment System according to the invention consists, from the point of view of each user with his Mobile Phone, the fact that it becomes useless both to move having all of its Means of payment (checkbook, various credit, debit or payment cards) on oneself, and to know by heart all the identification and security codes associated with the various means of payment. Indeed, thanks to the invention and in particular the step of registering a user and its means of payment and associated parameters, all the information to make payment transactions using the Mobile Phone will be recorded in the Mobile Payment System.

Thus, the user can use all the Registered Payment Methods, such as his VISA card, AMEX, MASTERCARD or others, taking with him only his Mobile Phone.

Claims

A method of Mobile Payment between a payer and a receiver using a Mobile Payment System (21) and in which each user uses a plurality of payment methods, the payment orders being placed via the Mobile Phone ( 15) of the user and the mobile telephone network, characterized in that it comprises, for each user, the steps of: prior to the first payment transaction, register with the Payment System

Mobile (21) a User Profile showing the

Means of payment likely to be used by the user; and during each payment transaction, • compare the list of available Payment Methods for the payment recipient, and the list of available Payment Methods for the payer, and deduce the list of the Possible Payment Methods to complete the transaction. Payment in progress.

2. Mobile payment method according to claim 1, characterized in that it further comprises, during each payment transaction, a step consisting in proposing to the payer to select a particular payment method in the list of possible payment methods. generated by the Mobile Payment System, followed by a validation step of the selection, made by the payer, of a particular Payment Method.

3. Mobile payment method according to claim 2, characterized in that it further comprises, during each payment transaction, a step of validating with the help of the Payphone's Mobile Phone, the execution of the transaction with the particular Payment Method selected;

4. Mobile payment method according to any one of the preceding claims, characterized in that the step of registering the means of payment with the Mobile Payment System comprises the recording of a set of usage parameters related to each Payment Method that may be used by a Mobile Payment System user.

5. Mobile payment method according to the claim

4, characterized in that one or more of the parameters of use of each Payment Method is defined by the user, in that the other parameters of use of each Moyerï de Paiement are defined by the Payment Operator Mobile.

6. Mobile payment method according to the claim

5, characterized in that the usage parameters associated with each payment method comprise the capacity of each Payment Method to operate in Debit and / or Credit.

Mobile payment method according to claim 5, characterized in that the usage parameters associated with each payment method comprise the minimum amount. and / or the maximum amount of eligible payment for each Payment Method.

8. Mobile payment method according to one of the preceding claims, characterized in that to determine the list of Possible Payment Methods to perform the current payment transaction, the Payment System retains among the list of payment methods likely to 'to be used by the payer, those who have parameters of use (Debit, Credit, Amount) compatible with the Means of Payment likely to be used by the receiver of the payment.

9. Mobile payment method according to one of the preceding claims, characterized in that a transaction of "Transfer" comprises the steps of:

- Display on the mobile phone of the payer the menu offering the choice of the Mobile Payment application, and in this application, the choice of the Transfer transaction;

- in response to the payer's choice of the Transfer transaction, ask the payer to enter the amount to be transferred and the identifier of the transfer recipient; - Based on the Payor's Profile and the Recipient's Profile and the characteristics of their Pre-recorded Payment Methods in the Mobile Payment System, select the Payor's Means of Payment that are Compatible with the Receiver's Means of Payment for the intended transfer ; - Display among the Compatible Payment Methods those that are Possible for the proposed transaction, given its amount and other parameters associated with the Means of Payment, and ask the payer to choose one of the Possible Means of Payment and validate the transaction;

- upon receipt of validation by the payer, execute the Transfer transaction.

The mobile payment method according to one of the preceding claims, characterized in that a Payment Request transaction comprises the steps of:

- Display on the mobile phone of the receiver the menu offering the choice of the Mobile Payment application, and in this application, the choice of the Payment Request transaction;

- in response to the choice by the receiver of the Payment Request transaction, ask the receiver to validate the amount to be paid and the payer's identifier;

- Based on the Payor's and the Receiver's Profile and the characteristics of their Pre-recorded Payment Methods in the Mobile Payment System, select the Payor's Means of Payment that are Compatible with the Receiver's Means of Payment for the intended transfer ; send on the Payor's mobile phone a request for payment authorization containing the elements of the transaction as issued by the receiver supplemented by the selection of the possible means of payment for this transaction; - upon receipt of validation by the payer, execute the Payment transaction.

11. Mobile payment method according to any one of the preceding claims, characterized in that it further comprises a step of installing the

Mobile Payment Program (39) in Mobile Phone

(15) of the user.

12. A Mobile Payment System (21) comprising on the one hand a transaction platform (23) and on the other hand a plurality of Mobile Phones (15) able to communicate with the transaction platform (23) via the mobile telephone network, in which each user of the Mobile Payment System uses one or more means of payment, characterized in that the transaction platform (23) comprises on the one hand storage means (31) able to store data identifying the users and the means of payment likely to be used by each user of the Mobile Payment System, and further includes processing means (29) for determining at each payment transaction, the list of means of payment Possible for this transaction, and to propose it to the plaintiff of the transaction;

13. Payment system according to claim 12, characterized in that each mobile phone comprises a

Mobile Payment Program able to communicate with the transaction platform (23) so as to validate the payment transaction with one of the possible payment methods offered by the transaction platform (23).

14. Mobile payment system (21) according to claim 12, characterized in that the data storage means (31) comprise a memory associated with a database, and in that the stored data includes on the one hand the list of the Means of Payment likely to be used by the users, and secondly a set of usage parameters related to each Payment Method.

15. Mobile Payment System (21) according to claim 12, characterized in that the processing means (29) consist of a transaction processor associated with a system software capable of comparing each payment transaction, the list and the parameters of use of the means of payment authorized by the recipient of the payment, and the list and the parameters of use of the means of payment authorized by the payer, and to deduce the list of the possible means of payment for this transaction.

16. Mobile Payment System (21) according to claim 12, characterized in that the program of

Mobile Payment (39) of each Mobile Phone includes means for displaying the list of Possible Means of Payment offered by the transaction platform (23), and means for validating the payment transaction with one of the Possible Payment Means from the list.

17. Mobile Payment System (21) according to one of claims 12 to 16, characterized in that the transaction platform (23) comprises a download server (17) able to send the Mobile Payment Program to the Mobile Phone (15) users.

18. Mobile Payment System (21) according to claim 17, characterized in that the Mobile Payment Program is downloaded to a memory located in the memory of the Mobile Phone or the card.

19. Mobile Payment System (21) according to one of claims 12 to 18, characterized in that it comprises at least one communication interface 13 able to communicate on the one hand with Mobile Phones (15) users according to the different communication protocols used by them, and secondly with a message processor (27) able to format the messages and commands from the Mobile Phones (15) of the users to be interpreted by the processor transactions (29).

20. Mobile Payment System (21) according to one of claims 12 to 19, characterized in that it comprises at least one payment interface (25) able to communicate with the transaction processor (29) and to execute the payment orders received from the transaction processor (29).

Mobile payment system (21) according to one of claims 12 to 20, characterized in that the transaction platform (23) comprises a cryptoprocessor connected between the transaction processor (29) and the database stored in the database. memory (31), in order to encrypt the data exchanged between the database and the transaction processor (29) and / or to encrypt the messages sent to the mobile telephones.