Method for autorising mandates of payment by credit cards and related apparatuses

Abstract

The invention concerns a method, and the related apparatuses, for authorizing mandates of payment through credit instruments, a user being the owner of at least one credit instrument, which is issued by an issuing institution (21) and of a telephone (20), which is provided with the functionality of sending and receiving radiotelephony messages, the method comprising the phases of A. the issuing institution checks the validity of the credit instrument, and B. the issuing institution sends to the commercial site a confirmation or refusal of authorization of the mandate of payment, C. sending from the use's telephone (20) to a radiotelephony message managing device (22) of a service center (21) of the issuing institution a radiotelephony message comprising a commercial site identification code, the amount of money and / or instrument identification data and / or user identification data and / or telephone identification data.

Description

technical field [0001] The present invention relates to a method of authorizing a payment delegation, and more particularly to a method of payment by credit card, preferably by telephone communication using a cellular radiotelephone, and is safe, simple, reliable and can be implemented at low cost. The invention also relates to a device allowing to carry out the same method. Background technique [0002] The method of payment by so-called credit cards is now widely used. This method, technically defined as payment entrustment, provides the buyer (called the principal) and the seller (called the principal) of the transfer of goods or services with an intermediary (called the agent) who acts on behalf of the buyer to provide Payment by the seller of goods or services. Said intermediary is the institution that issues the credit card, which is responsible for paying the amount owed to the seller and debiting the amount owed from the buyer's account at a time delayed relative t...

AI Technical Summary

Problems solved by technology

[0008] Card issuers have developed various solutions to these ills, such as issuing prepaid cards, but this in turn has the problem of having a maximum purchase limit and being usable only at designated membership sites, not on an international level.

Or even if a card is issued with a chip type microprocessor, it is not 100% secure and these cards cannot be changed at all with reference to credit card usage on the Internet, and also increases the manufacturing cost of the same credit card and the associated POS reader

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