Method for implementing a transaction

Abstract

The invention relates to a method (100, 200) for implementing a transaction comprising the following steps, which are executed by a computer server (15) of a transaction service: receiving (Ers) an identification datum for a user of a first communication device (11) and / or of an identification datum for a user of a second communication device (12), a voice communication session (Scom) between the first communication device (11) and the second communication device (12) having been previously established; identifying a first user of the transaction service on the basis of the identification datum of the user of the first communication device (11) and / or identifying a second user of the transaction service on the basis of the identification datum of the user of the second communication device (12); receiving (Ern, E'm) at least one item of transaction information and / or a transaction validation; carrying out (Ereatra, E'reatra) a transaction on the basis of the at least one item of transaction information and / or the transaction validation.

Description

[0001] DESCRIPTION

[0002] TITLE: Method of implementing a transaction.

[0003] Technical field

[0004] The invention, which belongs to the field of payment architectures, relates to transactions carried out by electronic means, and relates in particular to a new method for carrying out a transaction implemented by means of a communication device.

[0005] Preamble

[0006] It may happen that during a telephone conversation, one or other of the parties wishes to carry out a transaction which could, for example, involve sending a document, exchanging audio or video data, or making a payment in return for the provision of a service.

[0007] This may be the case, in particular, in the context of the purchase by telephone of a service such as a reservation of a hotel room or a theater ticket. To do this, one of the parties may orally indicate identification data of his bank account and / or his bank card to the other party, so that the latter can, depending on the case, set up a debit order from the bank account thus identified, make a transfer order to said bank account or send a debit order from the bank account associated with the bank card thus identified.

[0008] However, such solutions present a significant disadvantage in terms of trust for at least one of the parties involved, who is not able to be immediately certain that the amount actually withdrawn or debited from his bank account corresponds to the agreed amount, since he will have to wait until his bank account has actually been withdrawn or debited before being able to carry out a check.

[0009] In addition, existing solutions require communication aloud and by telephone, with the risk of interception, of certain sensitive banking data (bank card number, IBAN) which are normally strictly confidential and personal.

[0010] In addition, existing solutions require one or other of the parties to carry out various IT operations such as logging into a bank website or banking application, authentication, providing identification data for a bank account to be credited or debited, providing an amount, confirmation, and logging out.

[0011] Such operations can hardly be carried out on the communication device while the telephone communication is still in progress. Thus, the solutions described above make it essential, for at least one of the interlocutors, to use a second computer device.

[0012] The solutions of the prior art therefore have various drawbacks, in that they do not promote trust between the interlocutors, are time-consuming and not very economical in terms of computer devices to be used and operations to be carried out there, and also considerably increase the risk of fraud that could be implemented by a malicious person who has intercepted the telephone conversation.

[0013] Furthermore, there are online payment solutions on the market that specifically link a user's phone number to their bank account. However, using these solutions requires repeated operations on a communication device, including selecting and logging into the payment application, authenticating, selecting or entering the phone number of the payment recipient, entering the amount to be transferred, confirming the amount and the transfer using additional security measures, logging out and exiting the application.

[0014] The above-mentioned operations, which are associated with specific interfaces of the application between which it is necessary to navigate in order to make a payment, are obviously not designed to be implemented during a telephone conversation.

[0015] Summary of the invention

[0016] The present invention aims to remedy all or part of the aforementioned drawbacks.

[0017] In particular and according to a first aspect of the invention, the present application relates to a method for implementing a transaction comprising the following steps, which are executed by a first communication device:

[0018] - Establishing a voice communication session with a second communication device, a user of the second communication device being identified by an identification data;

[0019] - Sending, to a computer server of a transactional service, during the voice communication session, identification data of a user of the first communication device and / or identification data of the user of the second communication device;

[0020] - Collection, during the voice communication session, of at least one transaction information and / or one transaction validation;

[0021] - Sending, to the computer server of the transactional service, during the voice communication session, at least one transaction information and / or a transaction validation.

[0022] According to a second aspect of the invention, complementary to the first aspect, the present application relates to a method for implementing a transaction comprising the following steps, which are executed by a computer server of a transactional service:

[0023] - Receiving identification data from a user of a first communication device and / or identification data from a user of a second communication device, a voice communication session between the first communication device and the second communication device having been previously established;

[0024] - Identification of a first user of the transactional service based on the identification data of the user of the first communication device and / or identification of a second user of the transactional service based on the identification data of the user of the second communication device;

[0025] - Receipt of at least one transaction information and / or transaction validation;

[0026] - Carrying out a transaction based on at least one transaction information and / or transaction validation.

[0027] Thus, the method according to the invention allows a user of a first communication device, during a voice communication with a user of a second communication device, to carry out a transaction with the latter without having to suspend or interrupt the voice communication.

[0028] Indeed, the method of the invention automates, during voice communication, at least some of the operations to be carried out in order to carry out a transaction, which frees the user of the communication device from having to carry them out himself, which would require him to interrupt, or at least suspend, his conversation with his interlocutor.

[0029] In addition, the method of the invention makes it possible to conduct a voice conversation and implement a transaction using a single communication device. Thus, the invention offers, compared to the solutions of the prior art, a mechanism for carrying out a transaction between two telephone interlocutors that is simple, fast and practical.

[0030] According to one possibility, the first communication device comprises a communication terminal, and for example a smartphone or a tablet.

[0031] According to one possibility, the second communication device comprises a communication terminal, and for example a smartphone or a tablet.

[0032] According to one possibility, the first communication device comprises at least one first communication interface capable of transmitting and receiving data exchanged via a communication network, and in particular via the Internet network, and at least one second communication interface capable of transmitting and receiving data exchanged with at least one other communication device of the same type via a GSM-type wireless communication network. The first communication device comprises at least one memory and at least one control unit, which comprises at least one computing unit, and for example at least one processor.

[0033] According to one possibility, the second communication device is structurally similar to the first communication device.

[0034] According to one possibility, the establishment of a communication session is implemented by means of a communication application, which is therefore capable of establishing a voice communication session between the user of the first communication device and the user of the second communication device.

[0035] According to one possibility, the method of implementing a communication comprises a prior step of making a communication application available on the first communication device.

[0036] Throughout the voice communication session, the user of the first communication device and the user of the second communication device are able to exchange voice data, and in particular speech data.

[0037] According to one possibility, the communication application comprises telephony software, and for example software capable of establishing a voice communication session on a wireless communication network, and for example on the basis of GSM technology (Global Service for Mobile communication in English terminology). According to another possibility, the communication application comprises software capable of establishing a voice communication session via a communication network, and for example via the Internet network.

[0038] According to yet another possibility, the communication application comprises a communication application integrated with the transactional service. According to this possibility, the transactional service comprises its own communication application, which is used to establish the voice communication session between the first communication device and the second communication device for the purpose of implementing a transaction.

[0039] According to one possibility, the step of establishing a voice communication session is executed following a step of making, by the user of the first communication device by means of the communication application, a call to the second communication device, and a step of accepting, by the user of the second communication device by means of the communication application, said call.

[0040] According to one possibility, in order to be able to make the call, the user of the first communication device launches or executes the communication application, which has the consequence of causing, on the first communication device, a step of displaying a user interface of the communication application.

[0041] According to one possibility, the first communication device sends to the computer server of the transactional service, during the voice communication session, the identification data of a user of the first communication device and the identification data of the user of the second communication device.

[0042] According to one possibility, the identification data of the user of the first communication device and / or the identification data of the user of the second communication device is made available by the communication application.

[0043] According to one possibility, the user identification data of the first communication device comprises data by which the communication application identifies the first communication device.

[0044] According to one possibility, the identification data of the user of the first communication device comprises identification data of the first communication device on a wireless communication network, and for example on a GSM wireless telephone network or on the internet network. According to one possibility, the identification data of the user of the second communication device comprises data by which the communication application identifies the second communication device.

[0045] According to one possibility, the identification data of the user of the second communication device comprises identification data of the second communication device on a communication network, and for example on the GSM wireless telephone network or on the Internet network.

[0046] According to one possibility, the user identification data of the first communication device and / or the user identification data of the second communication device comprises a telephone number.

[0047] Alternatively, the user identification data of the first communication device and / or the user identification data of the second communication device comprises an IP address (for Internet Protocol, in English terminology).

[0048] Alternatively, the user identification data of the first communication device and / or the user identification data of the second communication device comprises a user identifier of the communication application.

[0049] According to yet another possibility, the user identification data of the first communication device and / or the user identification data of the second communication device comprises a MAC address of the first communication device.

[0050] According to one possibility, the computer server of the transactional service establishes a transaction session following the step of receiving the identification data of the user of the first communication device and / or the identification data of the user of the second communication device.

[0051] Alternatively, the computer server of the transactional service establishes a transaction session following the identification step. In this alternative, the transaction session is established between the user of the first communication device identified as a user of the transactional service and the user of the second communication device identified as a user of the transactional service.

[0052] According to one possibility, the transaction session established by the computer server of the transactional service allows the implementation of at least one transaction between the user of the first communication device and the user of the second communication device. According to one possibility, the step of collecting at least one transaction information and / or a transaction validation is carried out via a user interface displayed on the first communication device, and for example on the user interface of the communication application having been displayed on the first communication device during the step of establishing the communication session.

[0053] According to one possibility, the collection step comprises a step of entering, on the user interface of the communication application, at least one transaction information and / or transaction validation.

[0054] According to this possibility, the input step can be carried out by the user of the first communication device by means of a physical keyboard of the first communication device, or a touch screen displayed on the screen of the first communication device.

[0055] Alternatively, the collection step may be performed by means of an oral indication, made by the user of the first communication device, of the at least one transaction information and / or of the validation of the transaction.

[0056] According to this possibility, the collection step is carried out by means of a speech recognition application executed on the first communication device and / or by means of a speech recognition service integrated into the communication application or the transactional service.

[0057] According to one possibility, the transaction validation corresponds to a confirmation, by the user of the first communication device, of a transaction corresponding to at least one transaction information received on the first communication device from the computer server of the transactional service.

[0058] According to one possibility, the transaction validation corresponds to a confirmation, by the user of the first communication device, of a transaction corresponding to at least one transaction information previously sent by the second communication device to the computer server of the transactional service.

[0059] According to one possibility, the transactional service is a service available online, and for example accessible on the internet.

[0060] According to one possibility, the transactional service allows the implementation of at least one type of transaction, and for example a money transfer type transaction that can be carried out between the respective bank accounts of a first user of the transactional service and a second user of the transactional service. According to this possibility, the at least one transaction information item comprises an amount corresponding to a sum of money to be transferred and / or an indication of a payment method among a withdrawal of money, a money transfer, an issue of a payment token.

[0061] According to one possibility, the transactional service allows the implementation of a transaction of the transfer type of an electronic document that can be carried out between two users of the transactional service. According to this possibility, the transferred electronic document includes a contractual document, which corresponds, for example and in a non-exhaustive manner, to a transport ticket, a ticket to attend a show or a sporting event, a confirmation of a hotel room reservation. According to this possibility, the at least one transaction information includes a request to transfer an electronic document or a request to transfer an audio or video file.

[0062] In the context of implementing the transaction(s) between the user of the first communication device and the user of the second communication device, the transactional service acts as a trusted third party.

[0063] According to one possibility, the computer server of the transactional service comprises at least one communication interface capable of transmitting and receiving data exchanged via a communication network, and in particular via the Internet network. The computer server of the transactional service comprises at least one memory making it possible to record various information relating to users of the transactional service. The memory of the computer server of the transactional service makes it possible in particular to store at least one database, and in particular a relational database of users of the transactional service, said relational database making it possible to establish relationships between various information relating to the users of the transactional service. The computer server of the transactional service also comprises at least one control unit, which comprises at least one calculation unit, and for example at least one processor.

[0064] According to one embodiment, the method for implementing a transaction comprises a step of receiving, executed by the first communication device, an authentication request from the user of the first communication device, said authentication request being received from the computer server of the transactional service. The method for implementing a transaction comprises a step of sending, executed by the first communication device, an authentication data item for the user of the first communication device, said authentication data item being sent to the computer server of the transactional service.According to a complementary embodiment, the method for implementing a transaction comprises a step of sending, executed by the computer server of the transactional service, a request for authentication of the user of the first communication device, said authentication request being sent to the first communication device. The method for implementing a transaction comprises a step of receiving, executed by the computer server of the transactional service, an authentication data item of the user of the first communication device, said authentication data item being received from the first communication device.

[0065] According to one possibility, said authentication request is received after the establishment of the voice communication between the first communication device and the second communication device.

[0066] According to one possibility, said authentication request is sent after the step of receiving identification data of the user of the first communication device and / or identification data of the user of the second communication device.

[0067] According to one possibility, the authentication request includes a request to enter a predefined identification code, such as for example a predefined four-digit secret code, which has been previously indicated by the user of the first communication device, for example when subscribing to the transactional service.

[0068] According to other possibilities, the authentication request includes a request to enter a password comprising a character string, a request to provide an answer to a predefined secret question, a request to provide biometric personal data such as for example a fingerprint.

[0069] According to one possibility, the computer server of the transactional service sends, to the second communication device, a request for authentication of the user of the second communication device. According to this possibility, the second communication device receives said request for authentication of the user of the second communication device, and the latter can for example provide authentication data, such as for example a predefined four-digit secret code that he had indicated when subscribing to the transactional service.According to this possibility, the second communication device sends, to the computer server of the transactional service, said identification data of the user of the second communication device, and the computer server of the transactional service receives said authentication data, which allows it to authenticate the user of the second communication device. According to one possibility, the computer server of the transactional service only establishes the transaction session once the user of the first communication device and / or the user of the second communication device have been authenticated. According to this possibility, the transaction session is established between the user of the first communication device authenticated as a user of the transactional service and the user of the second communication device authenticated as a user of the transactional service.

[0070] Thus, the risk of fraud carried out by means of identity theft is considerably reduced, and this provision therefore reinforces the security and reliability of the method of implementing a transaction of the invention.

[0071] Alternatively, the computer server of the transactional service sends, to the second communication device, an invitation intended for the user of the second communication device so that the latter can directly enter his bank details, and for example, identification data for a bank account into which he wishes to receive the bank transfer. In this alternative, it is not necessary for the user of the second communication device to authenticate himself with the transactional service, nor even for him to have previously subscribed to the transactional service since he can use the service without prior authentication or subscription.

[0072] According to yet another possibility, the computer server of the transactional service sends, to the second communication device, information comprising a token or payment coupon, corresponding to a certain sum of money, to be used in certain businesses, and for example in establishments affiliated with the transactional service. According to this possibility, it is also not necessary for the user of the second communication device to authenticate himself with the transactional service, or even to be subscribed to the transactional service.

[0073] According to one embodiment, the method for implementing a transaction comprises a step of sending, executed by the first communication device, a subscription request from the user of the first communication device to the transactional service, said subscription request being sent to the computer server of the transactional service.

[0074] According to a complementary embodiment, the method for implementing a transaction comprises a step of receiving, executed by the computer server of the transactional service, the subscription request of the user of the first communication device to the transactional service, said subscription request being received from the first communication device. The method for implementing a transaction also comprises a step of registering, executed by the computer server of the transactional service, the user of the first communication device as a user of the transactional service.

[0075] According to one possibility, the second communication device sends, to the computer server of the transactional service, a subscription request from the user of the second communication device to the transactional service. According to this possibility, the computer server of the transactional service receives said subscription request from the user of the second communication device, then, the computer server of the transactional service registers the user of the second communication device as a user of the transactional service.

[0076] According to one possibility, the step of registering the user of the first communication device as a user of the transactional service and / or the step of registering the user of the second communication device as a user of the transactional service are carried out prior to the step of establishing a voice communication session between the first communication device and the second communication device.

[0077] According to one possibility, a user of a communication device can subscribe to the transactional service by connecting to a website of the transactional service. According to this possibility, the subscription request can be made on a user interface of the website of the transactional service.

[0078] Alternatively, a user of a communications device may subscribe to the transactional service by downloading a mobile computer application of the transactional service to their communications device. Alternatively, the request to subscribe to the transactional service may be made on a dedicated user interface of the mobile computer application of the transactional service, which is displayed on the display screen of the communications device after downloading the application.

[0079] According to one possibility, a user of a communication device makes a request to subscribe to the transactional service by completing and submitting a subscription form for the transactional service. According to this possibility, the user of the communication device indicates in particular certain of his personal data and in particular his first and last name, his date of birth, his residential address, an e-mail address, a telephone number, identification data of a bank account of which he is the holder, a four-digit secret code serving as an authentication code of the user of the communication device with the transactional service.According to one possibility, other identification and / or authentication data may be sent to the computer server by the user of the communication device when making his request to subscribe to the transactional service, such as for example a password comprising a string of characters, a secret question and an answer to said secret question, at least one biometric personal data such as for example a fingerprint.

[0080] According to one possibility, during the registration step, the computer server of the transactional service registers the user of the first communication device by creating, for the benefit of the latter, a user account with the transactional service on the basis of the data included in the subscription request received.

[0081] According to one possibility, the registration of the user of the first communication device as a user of the transactional service makes it possible to establish a link between the telephone number that he has provided and the bank account that he has identified in his application to subscribe to the transactional service. In other words, the registration of the user of the first communication device allows the transactional service to associate both his telephone number and his bank account with him.

[0082] According to one possibility, the computer server of the transactional service registers the user of the second communication device as a user of the transactional service on the basis of the data included in said subscription request.

[0083] According to one possibility, the registration of the user of the second communication device as a user of the transactional service makes it possible to establish a link between the telephone number that he has provided and the bank account that he has identified in his application to subscribe to the transactional service. In other words, the registration of the user of the second communication device allows the transactional service to associate both his telephone number and his bank account with him.

[0084] According to one possibility, the computer server of the transactional service sends to the first communication device an invitation, for the attention of the user of the first communication device, to download and install, on the first communication device, software, or computer module specific to the transactional service, making it possible to establish a relationship between the communication application of the first communication device and the transactional service.

[0085] Thus, the first communication device receives said invitation from the computer server of the transactional service and the user of the first communication device downloads and installs said software or computer module on the first communication device, which effectively makes it possible to establish a relationship between the communication application of the first communication device and the transactional service, said relationship being able to be materialized by means of an icon for access to the transactional service visible directly on the call interface of the communication application.Thus, the user of the first communication device will be able, during a voice communication session subsequently established via said communication application, to select said icon directly on the call interface in order to send a request to open a transaction session to the computer server of the transactional service.

[0086] Alternatively, a similar invitation is sent to the second communication device and to the user of the second communication device, who can then download and install said software or computer module on the second communication device.

[0087] According to one embodiment, the method for implementing a transaction comprises a step of sending, executed by the computer server of the transactional service, a confirmation of completion of the transaction to the first communication device and / or the second communication device.

[0088] According to one possibility, the computer server of the transactional service sends the confirmation of completion of the transaction to the first communication device and to the second communication device. Thus, the first communication device and the second communication device each receive the confirmation of completion of the transaction from the computer server of the transactional service, which allows the user of the first communication device and the user of the second communication device to obtain and keep a summary of the transaction actually completed.

[0089] Thanks to this provision, the beneficiary of the transaction, in this case the second communication device, is immediately notified of the completion of the transaction.

[0090] This provision promotes the trust of users of the first and second communication devices as users of the transactional service.

[0091] According to one possibility, the confirmation of transaction completion includes a summary of the transaction actually carried out, whether it concerns a money transfer, the transmission of a contractual document or a video file.

[0092] In one embodiment, the transaction service computer server closes the transaction session after the transaction service computer server sends the transaction completion confirmation to at least one of the first and second communication devices. In this embodiment, the transaction session comprises only one transaction.

[0093] According to one possibility, the computer server of the transactional service closes the transaction session after the user of the first communication device or the user of the second communication device has terminated the communication session. According to this possibility, only one transaction is carried out between the beginning and the end of the communication session.

[0094] Alternatively, a second transaction is implemented between the user of the first communication device and the user of the second communication device, said second transaction being performed within the previously established transaction session, while the communication session is still in progress between the first communication device and the second communication device. In this alternative, two transactions are performed between the start and the end of the communication session.

[0095] According to a third aspect, the invention relates to a computer program product comprising a plurality of lines of code capable of being read and executed by a processor, said computer program product being capable of implementing the steps of the method for implementing a transaction, executed by the first communication device, when said lines of code are executed by a processor of the first communication device.

[0096] According to a fourth aspect, the invention relates to a computer program product comprising a plurality of lines of code that can be read and executed by a processor, said computer program product being capable of implementing the steps of the method for implementing a transaction, executed by the computer server of the transactional service, when said lines of code are executed by a processor of the computer server of the transactional service.

[0097] According to a fifth aspect, the invention relates to a first communication device capable of implementing the method for implementing a transaction, the first communication device comprising a memory capable of storing a computer program product comprising lines of code, and a processor capable of reading and executing the lines of code of the computer program product in order to implement said steps of the method.

[0098] According to a sixth aspect, the invention relates to a computer server of a transactional service capable of implementing the steps of the method for implementing a transaction previously described, the computer server comprising a memory capable of storing a computer program product comprising lines of code, and a processor capable of reading and executing the lines of code of the computer program product in order to implement said steps of the method.

[0099] Brief description of the figures

[0100] The invention will be better understood upon reading the detailed description, which is given below in relation to the figures, among which:

[0101] [Fig.1] schematically represents a method of carrying out a transaction according to a first embodiment of the invention.

[0102] [Fig.2] schematically represents a method of carrying out a transaction according to an alternative embodiment of the invention.

[0103] [Fig.3] schematically represents an exemplary embodiment of a first communication device in accordance with the invention.

[0104] [Fig. 4] schematically represents an example of an embodiment of a computer server of a transactional service in accordance with the invention.

[0105] Detailed description

[0106] Figure 3 represents, on the structural level, an exemplary embodiment of the first communication device 11 which comprises a communication bus 110 making it possible to connect different elements of the communication device 11, and in particular (non-exhaustive list) a memory 111, a processor 112, a first communication interface 113, a second communication interface 114, an input interface 115 and an output interface.

[0107] The first communication interface 113 is capable of allowing the first communication device 11 to exchange data with at least one computer server of a transactional service on the Internet communication network.

[0108] The second communication interface 114 is capable of allowing the first communication device 11 to exchange data with the second communication device 12 on a wireless communication channel of the GSM network.

[0109] The input interface 115 of the first communication device 11 allows a user of the first communication device 11 to enter and / or provide input data on the first communication device 11.

[0110] The memory 111 of the first communication device 11 notably comprises a non-volatile memory 1110 and a volatile memory 1111. The second communication device 12, not shown in detail, is structurally similar to the first communication device 11.

[0111] Figure 4 represents an exemplary embodiment of a computer server 15 of the transactional service which comprises a communication bus 150 making it possible to connect different elements of the computer server 15, and in particular (non-exhaustive list) a memory 151, a processor 152, a communication interface 153, an input interface 154, an output interface 155.

[0112] The communication interface 153 is capable of allowing the computer server 15 to exchange data with at least the communication device 11 and / or the communication device 12 on the Internet communication network.

[0113] The memory 151 of the computer server 15 notably comprises a non-volatile memory 1510 and a volatile memory 1511.

[0114] Figure 1 represents a first embodiment of the method for carrying out a transaction in accordance with the invention.

[0115] In a step Eenvo, the first communication device 11 sends, to the computer server 15 of the transactional service, a subscription request Dsousu from a user of the first communication device 11 to the transactional service.Said subscription request Dsousu is subsequent to an entry, by the user of the first communication device 11, in a form displayed on a user interface of the website of the transactional service to which the user of the first communication device 11 has previously connected, of personal information of the user of the first communication device 11, and in particular his first and last name, his date of birth, his residential address, an electronic address, a telephone number, identification data of a bank account of which he is the holder, a four-digit secret code used for subsequent authentication of the user of the first communication device 11 with the transactional service. The subscription request Dsousu therefore includes the aforementioned personal information of the user of the first communication device 11.

[0116] In a step E ro, The computer server 15 of the transactional service receives the subscription request Dsousu coming from the first communication device 11.

[0117] In a step Eenrn, the computer server 15 of the transactional service registers the user of the first communication device 11 as a user of the transactional service, on the basis of the personal information received from the first communication device 11. Following this registration step, a user account of the transactional service is created for the benefit of the user of the first communication device 11. Said user account makes it possible to establish a link between the telephone number provided and the bank account identified in the subscription request from the first communication device 11. The user account of the user of the first communication device 11 therefore makes it possible to associate both his telephone number and his bank account with him.

[0118] Following the registration step Eenrn, the computer server 15 of the transactional service sends, in a step Eenvi, to the first communication device 11 and to the attention of the user of the first communication device 11, an invitation Dinvn to download and install, on the first communication device 11, a computer module of the transactional service, which makes it possible to establish a relationship between the GSM type voice communication application of the first communication device 11 and the transactional service.

[0119] In a step En, the first communication device 11 receives the Dinvn invitation from the computer server 15 of the transactional service.

[0120] In a step Einsii, the user of the first communication device 11 downloads and installs the computer module of the transactional service on the first communication device 11, which effectively makes it possible to establish a relationship between the GSM-type voice communication application of the first communication device 11 and the transactional service. It should be noted that this step Einsn is not necessarily carried out immediately after step En.

[0121] Said relationship between the GSM-type voice communication application of the first communication device 11 and the transactional service is in particular materialized by means of the creation of an icon for access to the transactional service directly on the call interface of the GSM-type voice communication application. Thus, the user of the first communication device 11 will be able, during a voice communication session subsequently established by means of said communication application, to select said icon directly on the call interface in order to send a request to open a transaction session to the computer server 15 of the transactional service.

[0122] In a step Eenv2, the second communication device 12 sends, to the computer server 15 of the transactional service, a subscription request Dsousi2 from a user of the second communication device 12 to the transactional service. Step Eenv2 is obviously not necessarily concomitant with step E envo, and can be carried out well before, or well after, the Eenvo step. In a similar manner to the subscription request Dsousu of the user of the first communication device 11, the subscription request Dsousi2 is subsequent to an entry, by the user of the second communication device 12 in a form displayed on a user interface of the website of the transactional service to which the user of the second communication device 12 has previously connected, of personal information of the user of the second communication device 12 and in particular of: his first and last name, his date of birth, his residential address, an e-mail address, a telephone number, identification data of a bank account of which he is the holder, a four-digit secret code used for subsequent authentication of the user of the second communication device 12 with the transactional service.The Dsousi2 subscription request therefore includes the aforementioned personal information of the user of the second communication device 12.

[0123] In a step Er2, the computer server 15 of the transactional service receives the subscription request D S ousi2 from the second communication device 12.

[0124] In a step Eenri2, the computer server 15 of the transactional service registers the user of the second communication device 12 as a user of the transactional service, on the basis of the personal information received from the second communication device 12. Following this registration step, a user account of the transactional service is created for the benefit of the user of the second communication device 12, said user account making it possible to establish a link between the telephone number provided and the bank account identified in the subscription request originating from the second communication device 12. Thus, the user account of the user of the second communication device 12 makes it possible to associate both his telephone number and his bank account with him.

[0125] Following the registration step Eenri2, the computer server 15 of the transactional service sends, in a step Eenv3, to the second communication device 12 and to the attention of the user of the second communication device 12, an invitation Dinvi2 to download and install, on the second communication device 12, a computer module of the transactional service, which in particular makes it possible to establish a relationship between the GSM type voice communication application of the second communication device 12 and the transactional service.

[0126] In a step Er3, the second communication device 12 receives the invitation Dinvi2 from the computer server 15 of the transactional service. In a step Einsi2, the user of the second communication device 12 downloads and installs said computer module of the transactional service on the first communication device 11, which effectively makes it possible to establish a relationship between the GSM-type voice communication application of the second communication device 12 and the transactional service. It should be noted that this step Einsi2 is not necessarily carried out immediately after step Er3.

[0127] Said relationship between the GSM-type voice communication application of the second communication device 12 and the transactional service is in particular materialized by means of the creation of an icon for access to the transactional service directly on the call interface of the GSM-type voice communication application. Thus, the user of the second communication device 12 will be able, during a voice communication session subsequently established by means of said communication application, to select said icon in order to send a request to open a transaction session to the computer server 15 of the transactional service.

[0128] In a step Eenv4, the first communication device 11 sends a request Dscom to establish a voice communication session to the second communication device 12. Said request to establish a voice communication session is implemented by means of the GSM type voice communication application, and in particular by means of a GSM type telephone call from the first communication device 11 and to the second communication device 12.

[0129] Obviously, the Eenv4 step can occur much later, for example several days or even several weeks or months after the Eenvo step and / or the Eenv2 step.

[0130] In a step Er4, the second communication device 12 receives the request Dscom to establish a voice communication session from the first communication device 11. In other words, the second communication device 12 actually receives the GSM type telephone call sent by the first communication device 11.

[0131] The user of the second communication device 12 accepts, in a step Eaccom, the request to establish a voice communication session from the first communication device 11. In other words, the user of the second communication device 12 answers the GSM type telephone call sent by the first communication device 11. Following acceptance by the user of the second communication device 12 of said request Dæom, a voice communication session Scom is established between the first communication device 11 and the second communication device 12.

[0132] In a step Esein, the user of the first communication device 11 selects, for example by means of a touch made directly on the call interface displayed on the first communication device 11, the icon for accessing the transactional service.

[0133] Following the selection step Esein, the first communication device 11 sends to the computer server 15 of the transactional service, in a step E en v5, a Dstra request to open a transaction session. Said Dstra request includes in particular the telephone number of the user of the first communication device 11 and the telephone number of the user of the second communication device 12, which are therefore sent directly from the first communication device 11 to the computer server 15 of the transactional service.

[0134] In a step Ers, the computer server 15 of the transactional service receives said Dstra request to open a transaction session from the first communication device 11.

[0135] In a step Eenv6, the computer server 15 of the transactional service sends, to the first terminal 11, a Dauthi 1 request for authentication of the user of the first terminal 11. Said Dauthn request includes in particular a request for indication of the four-digit secret code entered by the user of the first communication device 11 when requesting subscription to the transactional service.

[0136] In a step Ere, the first communication device 11 receives the Dauthn request for authentication from the user of the first communication device.

[0137] In a step Eenv7, the computer server 15 of the transactional service sends, to the second terminal 12, a Dauthi2 request for authentication of the user of the second terminal 12. Said DautM2 request notably includes a request for indication of the four-digit secret code entered by the user of the second communication device 12 when requesting subscription to the transactional service.

[0138] In a step E r ?, the second communication device 12 receives the Dauthi2 request for authentication of the user of the second communication device 12.

[0139] In a step Eenvs, the first communication device 11 sends, to the computer server 15 of the transactional service, a Rauthn response to the Dauthn authentication request, said Rauthn response including in particular the four-digit code that the user of the first terminal 11 has for example entered using the touch keyboard of the call interface of the communication application of the first communication device 11.

[0140] In a step Ers, the computer server 15 of the transactional service receives the response Rauthen, which allows it to authenticate the user of the first communication device 11 as a registered user of the transactional service.

[0141] In a step Eenv9, the second communication device 12 sends, to the computer server 15 of the transactional service, a Rauthi2 response to the Dauthi2 authentication request, said response R authi2 including in particular the four-digit code that the user of the second communication device 12 has, for example, entered using the touch keyboard of the call interface of the communication application of the second communication device 12.

[0142] In a step Er9, the computer server 15 of the transactional service receives the response Rauthi2, which allows it to authenticate the user of the second communication device 12 as a registered user of the transactional service.

[0143] Following the respective authentications, with the transactional service, of the user of the first communication device 11 and of the user of the second communication device 12, the computer server 15 of the transactional service creates, in an Ecrstra step, a transaction session. Said transaction session is established between the user of the first communication device 11, identified as a registered user of the transactional service by means of his telephone number, and the user of the second communication device 12, also identified as a registered user of the transactional service by means of his telephone number.

[0144] In a step Eenvio, the computer server 15 of the transactional service sends a request Dinftrai i for at least one transaction information to the first communication device 11.

[0145] In an Erio step, the first communication device 11 receives the Dinftran request.

[0146] In an Ecoin step, at least one piece of transaction information is collected by the first communication device 11, the at least one piece of transaction information collected comprising information relating to the nature of the transaction to be carried out, in this case a transfer of money to the benefit of the user of the second communication device, and information relating to an amount corresponding to a sum of money to be transferred to the user of the second communication device 12, said information being provided by the user of the first communication device 11 by means of the call interface of the communication application.

[0147] In a step Eenvn, the first communication device 11 sends, to the computer server 15 of the transactional service, a response Rinttran to the request Dinttran. Said response Rinttrai-i includes in particular the at least one piece of information collected.

[0148] In a step Em, the computer server 15 of the transactional service receives the response Rinftraii from the first communication device 11.

[0149] In an Ereatra step, the computer server 15 of the transactional service implements the transaction on the basis of the transaction information included in the Rinttran response that it received from the communication device 11. In this specific case, the computer server 15 of the transactional service implements a money transfer corresponding to the amount indicated by the user of the first communication device 11 from the latter's bank account and to the bank account of the user of the second communication device 12.

[0150] In a step Eenvi2, the computer server 15 of the transactional service sends a confirmation Tconn2 of transaction completion to the second communication device 12. The confirmation Tcontn of transaction completion includes in particular, in the form of a summary of the transaction actually completed, an indication of the amount corresponding to the sum of money transferred, as well as the respective identities of the debtor and the beneficiary of the transaction.

[0151] In a step Eri2, the second communication device 12 receives the confirmation T C onfi2 for carrying out a transaction from the computer server 15 of the transactional service, which allows the user of the second communication device 12 to obtain and keep a summary of the transaction carried out.

[0152] In a step Eenvw, the computer server 15 of the transactional service sends a confirmation Tcontn of transaction completion to the first communication device 11. The confirmation Tcontn of transaction completion includes in particular, in the form of a summary of the transaction actually completed, an indication of the amount corresponding to the sum of money transferred, as well as the respective identities of the debtor and the beneficiary of the transaction.

[0153] In a step Eri3, the first communication device 11 receives the confirmation Tcontn of completion of the transaction from the computer server 15 of the transactional service, which allows the user of the first communication device 11 to obtain and keep a summary of the completed transaction. Finally, in a step not shown, the user of the first communication device 11 terminates the communication session Scom, which has the immediate consequence of closing the transaction session created by the computer server 15 of the transactional service.

[0154] Thus, in the embodiment of Figure 1, the established transaction session concerns only a single transaction of the money transfer type, and the computer server 15 of the transactional service plays a role of trusted third party for a transaction of this type.

[0155] The method 200, represented in FIG. 2, relates to a method 200 for carrying out a transaction. The method 200 constitutes a variant embodiment of the method 100 for carrying out a transaction of FIG. 1, and notably comprises a certain number of steps common with the latter. More particularly, the method 200 shares with the method 100 all the first steps, up to the step of establishing the Scom communication session.

[0156] Thus, and in a step Eenvo, the first communication device 11 sends, to the computer server 15 of the transactional service, a subscription request Dsousu from a user of the first communication device 11 to the transactional service.Said subscription request Dsousu is subsequent to an entry, by the user of the first communication device 11, in a form displayed on a user interface of the website of the transactional service to which the user of the first communication device 11 has previously connected, of personal information of the user of the first communication device 11, and in particular his first and last name, his date of birth, his residential address, an electronic address, a telephone number, identification data of a bank account of which he is the holder, a four-digit secret code used for subsequent authentication of the user of the first communication device 11 with the transactional service. The subscription request Dsousu therefore includes the aforementioned personal information of the user of the first communication device 11.

[0157] In a step E ro, The computer server 15 of the transactional service receives the subscription request Dsousu coming from the first communication device 11.

[0158] In a step Eenrn, the computer server 15 of the transactional service registers the user of the first communication device 11 as a user of the transactional service, on the basis of the personal information received from the first communication device 11. Following this registration step, a user account of the transactional service is created for the benefit of the user of the first communication device 11. Said user account makes it possible to establish a link between the telephone number provided and the bank account identified in the subscription request from the first communication device 11. The user account of the user of the first communication device 11 therefore makes it possible to associate both his telephone number and his bank account with him.

[0159] Following the E-isenrn registration step, the computer server 15 of the transactional service sends, in a step Eenvi, to the first communication device 11 and to the attention of the user of the first communication device 11, an invitation Dinvn to download and install, on the first communication device 11, a computer module of the transactional service, which makes it possible to establish a relationship between the GSM type voice communication application of the first communication device 11 and the transactional service.

[0160] In a step En, the first communication device 11 receives the Dinvn invitation from the computer server 15 of the transactional service.

[0161] In a step Einsu, the user of the first communication device 11 downloads and installs the computer module of the transactional service on the first communication device 11, which effectively makes it possible to establish a relationship between the GSM-type voice communication application of the first communication device 11 and the transactional service.

[0162] Said relationship between the GSM-type voice communication application of the first communication device 11 and the transactional service is in particular materialized by means of the creation of an icon for access to the transactional service directly on the call interface of the GSM-type voice communication application. Thus, the user of the first communication device 11 will be able, during a voice communication session subsequently established by means of said communication application, to select said icon directly on the call interface in order to send a request to open a transaction session to the computer server 15 of the transactional service.

[0163] In a step Eenv2, the second communication device 12 sends, to the computer server 15 of the transactional service, a subscription request Dsousi2 from a user of the second communication device 12 to the transactional service.

[0164] In a similar manner to the subscription request Dsousu of the user of the first communication device 11, the subscription request Dsousi2 is subsequent to an entry, by the user of the second communication device 12 in a form displayed on a user interface of the website of the transactional service to which the user of the second communication device 12 has previously connected, of personal information of the user of the second communication device 12 and in particular of: his first and last name, his date of birth, his residential address, an electronic address, a telephone number, identification data of a bank account of which he is the holder, a four-digit secret code used for subsequent authentication of the user of the second communication device 12 with the transactional service.The Dsousi2 subscription request therefore includes the aforementioned personal information of the user of the second communication device 12.

[0165] In a step Er2, the computer server 15 of the transactional service receives the subscription request Dsousi2 coming from the second communication device 12.

[0166] In a step Eenri2, the computer server 15 of the transactional service registers the user of the second communication device 12 as a user of the transactional service, on the basis of the personal information received from the second communication device 12. Following this registration step, a user account of the transactional service is created for the benefit of the user of the second communication device 12, said user account making it possible to establish a link between the telephone number provided and the bank account identified in the subscription request originating from the second communication device 12. Thus, the user account of the user of the second communication device 12 makes it possible to associate both his telephone number and his bank account with him.

[0167] Following the registration step Eenri2, the computer server 15 of the transactional service sends, in a step Eenv3, to the second communication device 12 and to the attention of the user of the second communication device 12, an invitation Dinvi2 to download and install, on the second communication device 12, a computer module of the transactional service, which in particular makes it possible to establish a relationship between the GSM type voice communication application of the second communication device 12 and the transactional service.

[0168] In a step Er3, the second communication device 12 receives the invitation Dinvi2 from the computer server 15 of the transactional service.

[0169] In a step Einsi2, the user of the second communication device 12 downloads and installs said computer module of the transactional service on the first communication device 11, which effectively makes it possible to establish a relationship between the GSM-type voice communication application of the second communication device 12 and the transactional service.

[0170] Said relationship between the GSM-type voice communication application of the second communication device 12 and the transactional service is in particular materialized by means of the creation of an icon for access to the transactional service directly on the call interface of the GSM-type voice communication application. Thus, the user of the second communication device 12 will be able, during a voice communication session subsequently established by means of said communication application, to select said icon in order to send a request to open a transaction session to the computer server 15 of the transactional service.

[0171] In a step Eenv4, the first communication device 11 sends a request Dscom to establish a voice communication session to the second communication device 12. Said request to establish a voice communication session is implemented by means of the GSM type voice communication application, and in particular by means of a GSM type telephone call from the first communication device 11 and to the second communication device 12.

[0172] In a step Er4, the second communication device 12 receives the request Dscom to establish a voice communication session from the first communication device 11. In other words, the second communication device 12 actually receives the GSM type telephone call sent by the first communication device 11.

[0173] The user of the second communication device 12 accepts, in a step Eaccom, the request to establish a voice communication session coming from the first communication device 11. In other words, the user of the second communication device 12 answers the GSM type telephone call sent by the first communication device 11.

[0174] Following acceptance by the user of the second communication device 12 of said Dscom request, a Scom voice communication session is established between the first communication device 11 and the second communication device 12.

[0175] In a step Eseii2, the user of the second communication device 12 selects, for example by means of a touch made directly on the call interface displayed on the second communication device 12, the icon for accessing the transactional service.

[0176] Following the selection step Eseii2, the second communication device 12 sends to the computer server 15 of the transactional service, in a step E'envs, a request D'stra for opening a transaction session. Said request D'stra includes in particular the telephone number of the user of the first communication device 11 and the telephone number of the user of the second communication device 12, which are therefore sent directly from the second communication device 12 to the computer server 15 of the transactional service. In a step EX the computer server 15 of the transactional service receives said request D'stra for opening a transaction session from the second communication device 12.

[0177] In a step E'crstra, the computer server 15 of the transactional service creates a transaction session between the user of the first communication device 11, identified as a registered user of the transactional service by means of his telephone number, and the user of the second communication device 12, also identified as a registered user of the transactional service by means of his telephone number.

[0178] In the variant embodiment of the invention shown in Figure 2, the transaction session is therefore established even before one or other of the users of the communication devices 11, 12 have authenticated themselves with the transactional service.

[0179] In a step E'enve, the computer server 15 of the transactional service sends a request Dinftrai2 for at least one transaction information to the second communication device 12.

[0180] In a step EX the second communication device 12 receives the request Dinftrai2.

[0181] In a step E'envz, the second communication device 12 sends, to the computer server 15 of the transactional service, a response Rinttrai2 to the request Dinftrai2. Said response Rinftrai2 comprises in particular information relating to the nature of the transaction to be carried out, in this case a request, intended for the user of the first communication device 11, for a transfer of money to the benefit of the user of the second communication device, and information relating to an amount corresponding to a sum of money to be transferred to the user of the second communication device 12, said information being provided by the user of the second communication device 12 by means of the call interface of the communication application.

[0182] In a step E'rz, the computer server 15 of the transactional service receives the response Rinttrai2 from the second communication device 12.

[0183] Following step E'rz, the computer server 15 of the transactional service sends to the second terminal 12, in a step E'envs, a request D' au thi2 authentication of the user of the second terminal 12. Said request D' au thi2 includes in particular a request for indication of the four-digit secret code provided by the user of the second communication device 12 when requesting subscription to the transactional service. In a step E'rs, the second communication device 12 receives the D'authi2 request for authentication of the user of the second communication device 12.

[0184] In a step E'env9, the second communication device 12 sends, to the computer server 15 of the transactional service, a response R'authi2 to the authentication request D'authi2, said response R' au thi2 including in particular the four-digit code that the user of the second communication device 12 has, for example, entered using the touch keyboard of the call interface of the communication application of the second communication device 12.

[0185] In a step E'rg, the computer server 15 of the transactional service receives the response R'autM2, which allows it to authenticate the user of the second communication device 12 as a registered user of the transactional service.

[0186] Once the user of the second communication device 12 has been authenticated, the computer server 15 of the transactional service sends to the first communication device 11, in a step E'envio, a request Dvain for validation of the transaction information included in the response Rinttrai2 that the computer server 15 of the transactional service has received from the second communication device 12. In other words, the transactional service requests, by means of the request Dvain, that the user of the first communication device 11 confirms his acceptance of the transaction requested by the user of the second communication device 12.

[0187] In an E'rio step, the first communication device 11 receives the Dvain request from the computer server 15 of the transactional service.

[0188] In an E'coin step, at least one piece of information is collected by the first communication device 11, said at least one piece of information collected being entered by the user of the first communication device 11 by means of the call interface of the communication application, said information marking a validation of the requested transaction.

[0189] In a step E'envn, the first communication device 11 sends, to the computer server 15 of the transactional service, a response Rvain to the request Dvain on the basis of the at least one piece of information collected.

[0190] In a step E'rn, the computer server 15 of the transactional service receives, from the first communication device 11, the response Rvain.

[0191] Then, in a step E'envi2, the computer server 15 of the transactional service sends, to the first terminal 11, an Auth request for authentication of the user of the first terminal 11. Said Auth request includes in particular a request for indication of the four-digit secret code entered by the user of the first communication device 11 when requesting subscription to the transactional service.

[0192] In a step E'ri2, the first communication device 11 receives the D'authn request for authentication from the user of the first communication device.

[0193] In a step E'envis, the first communication device 11 sends, to the computer server 15 of the transactional service, a response R'authn to the authentication request D'authn, said response R'authn including in particular the four-digit code that the user of the first terminal 11 has for example entered using the touch keyboard of the call interface of the communication application of the first communication device 11.

[0194] In a step E'ri3, the computer server 15 of the transactional service receives the response R'authl 1 , which allows it to authenticate the user of the first communication device 11 as a registered user of the transactional service, then, in a step E'reatra, to implement the transaction requested by the user of the second communication device 12 and accepted by the user of the first communication device 11 .

[0195] In other words, the computer server 15 of the transactional service implements, from the bank account of the user of the first communication device 11 and to the bank account of the user of the second communication device 12, a transfer of money corresponding to the amount indicated by the user of the second communication device 12, and validated by the user of the first communication device 11.

[0196] Then, in a step not shown in Figure 2, the computer server 15 of the transactional service sends, to the second communication device 12, a confirmation of the completion of the transaction including in particular, in the form of a summary of the transaction actually carried out, an indication of the amount corresponding to the sum of money transferred, as well as the respective identities of the debtor and the beneficiary of the transaction.

[0197] In another step not shown in Figure 2, the computer server 15 of the transactional service also sends, to the second communication device 12, a new request for at least one piece of transaction information concerning an additional transaction to be implemented during the established transaction session, said new request for at least one piece of transaction information then being received by the second communication device 12. In a step not shown in the figure, the user of the second communication device 12 submits, in response to the new request for at least one piece of transaction information, a request for transmission, for the benefit of the user of the first communication device, of a transport ticket.The second communication device 12 then sends said request for transmission of a transport ticket, accompanied by the transport ticket concerned in the form of an electronic document, to the computer server 15 of the transactional service, which will be responsible, in a step not shown, for sending the electronic document serving as a transport ticket to the first communication device 11.

[0198] Finally, in a final step not shown, the user of the first communication device 11, having received the transport ticket for which he had accepted the requested payment, ends the established communication session, which automatically closes the transaction session.

[0199] Thus, and unlike the embodiment shown in FIG. 1, the transaction session established during the method 200 concerns two consecutive transactions, and the computer server 15 of the transactional service plays a role of trusted third party not only for a payment type transaction but also for a document transmission type transaction.

[0200] Figures 1 and 2 represent two particular embodiments of the method for implementing a transaction according to the invention. Other embodiments, which will immediately appear to those skilled in the art upon reading this description, are obviously possible without departing from the scope of the invention.

Claims

CLAIMS 1. Method (100, 200) for implementing a transaction comprising the following steps, which are executed by a first communication device (11): Sending (Eenvo), to a computer server (15) of a transactional service, a request (Dsousn) for subscription of a user of the first communication device (11) to the transactional service; Establishing a voice communication session (Scom) with a second communication device (12), a user of the second communication device (12) being identified by an identification data item; Sending (Eenvs), to the computer server (15) of the transactional service, during the voice communication session, of identification data of the user of the first communication device (11) and / or of identification data of the user of the second communication device (12); Collection (Ecoin, E'coin), during the voice communication session (Scom), of at least one transaction information and / or a transaction validation; Sending (Eenvfi, E'envn), to the computer server (15) of the transactional service, during the voice communication session (Scom), at least one transaction information and / or a transaction validation.

2. Method (100, 200) for implementing a transaction according to claim 1, further comprising the following steps: Reception (Ere, E'1-12), from the computer server (15) of the transactional service, of a request (Dauthn, D'authn) for authentication of the user of the first communication device (11); Sending (Eenvs, E'envi3), to the computer server (15) of the transactional service, authentication data (Rauthn, R'authn) of the user of the first communication device (11).

3. Method (100, 200) for implementing a transaction comprising the following steps, which are executed by a computer server (15) of a transactional service Reception (Ero), from a first communication device (11), of a request (Dsousn) for subscription from a user of the first communication device (11) to the transactional service; Registration (Eenrn) of the user of the first communication device (11) as a user of the transactional service; Reception (Ers) of identification data of a user of a first communication device (11) and / or of identification data of a user of a second communication device (12), a voice communication session (Scom) between the first communication device (11) and the second communication device (12) having been previously established; Identification of a first user of the transactional service on the basis of the identification data of the user of the first communication device (11) and / or identification of a second user of the transactional service on the basis of the identification data of the user of the second communication device (12); Receipt (Ern, E'm) of at least one transaction information and / or one transaction validation; Completion (Ereatra, E'reatra) of a transaction based on at least one transaction information and / or transaction validation.

4. A method (100, 200) of implementing a transaction according to claim 3, further comprising the following steps: Sending (Eenv6, E'envi2) an authentication request (Dauthn, D'authn) from the user of the first communication device (11); Reception (Ers, E'rw) of data (Rauthn, R'authn) for authentication of the user of the first communication device (11).

5. Method (100, 200) for implementing a transaction according to one of claims 3 or 4, further comprising a step of sending (Eenv, Eem / 12) a confirmation (Tcontn, Tconn2) of completion of the transaction to the first communication device (11) and / or the second communication device (12).

6. Computer program product comprising a plurality of lines of code readable and executable by a processor of a first communication device (11), the computer program product being capable of implementing the steps of the method (100, 200) of claims 1 or 2 when executed by said processor of the first communication device (11).

7. Computer program product comprising a plurality of lines of code readable and executable by a processor of a computer server (15) of a transactional service, the computer program product being capable of implementing the steps of the method (100, 200) of claims 3 to 5 when executed by a processor of the computer server (15) of the transactional service.

8. First communication device (11) capable of implementing the method of claims 1 or 2, the first communication device (11) comprising a memory (111) capable of storing a computer program product comprising lines of code, and a processor (112) capable of reading and executing the lines of code of the computer program product.

9. Computer server (15) of a transactional service capable of implementing the method of claims 3 to 5, the computer server (15) comprising a memory (151) capable of storing a computer program product comprising lines of code, and a processor (152) capable of reading and executing the lines of code of the computer program product.

Images