WO2020012077A1

WO2020012077A1 - Portable transaction receptacle

Info

Publication number: WO2020012077A1
Application number: PCT/FR2018/051762
Authority: WO
Inventors: Liborio PANZARELLA; Johan HEBRARD; Catherine PIERRE; Romuald BODOY
Original assignee: Actoll
Priority date: 2018-07-12
Filing date: 2018-07-12
Publication date: 2020-01-16

Abstract

The invention relates to a portable donation transaction receptacle (10) comprising at least one first wireless communication device (11), interacting with at least one transaction support (112), receiving a transaction request instruction (115) from at least one processing unit (13) arranged so as to collaborate with at least one man-machine interface (12), the receptacle also comprising at least one second wireless communication device (15) arranged so as to send and receive secondary transaction data (113) to and from at least one transaction server (16). The receptacle also comprises at least said man-machine interface (12) that can interact with said at least one processing unit (13) and with at least one user (18).

Description

Portable transaction receptacle

TECHNICAL AREA

The present invention relates to a portable receptacle for donation transactions.

The invention also relates to a donation transaction method using said portable donation receptacle.

The invention finds an application in particular in the collection of donations within an assembly or a religious establishment.

STATE OF THE PRIOR ART

It is known that to collect donations in a place, and in particular in a religious establishment, a basket is passed step by step to collect donations in cash. In practice, cash donations are never refused.

This ancestral practice requires carrying cash.

One solution to this problem is to withdraw money from an ATM or go to a store to make change.

These solutions are not practical because they require travel. From the point of view of donation collecting organizations, these solutions are also not practical because the remittance of cash is becoming more and more difficult in a bank branch due to the need to go through third parties such as long distance carriers.

Both for donors who have to carry cash with them and for donation collectors who need to count and keep cash until it is returned to the bank or to a third party (cash transport), having cash on hand can be dangerous. attempted thefts.

Donation transactions can also entail fund transfer costs or bank charges linked to depositing cash at the counter.

STATEMENT OF THE INVENTION

The present invention aims to provide a solution to these problems.

In particular, the object of the invention is to propose a solution which meets at least one of the following objectives: - allow a donation to be made during the quest, even in the absence of cash;

- allow a quick, secure and all-time accepted donation transaction;

- allow people to be secured during donation transactions;

- allow a reduction in the overall cost of donation transactions.

- integrate a donation transaction solution into existing donation collection baskets.

This goal can be achieved by providing a portable donation transaction receptacle, the receptacle comprising:

at least a first communication device capable of generating and receiving, wirelessly, in interaction with at least one transaction medium, primary transaction data, said at least one first communication device being arranged to generate secondary transaction data , and able to receive at least one transaction request instruction;

at least one processing unit, separate from said at least one first communication device, capable of generating and transmitting to said at least one first communication device said at least one transaction request instruction, said at least one processing unit being further able to receive and process secondary transaction data from said at least one first communication device;

at least one second wireless communication device arranged to send and receive at least all or part of the secondary transaction data to and from at least one transaction server;

at least one human-machine interface capable of interacting with said at least one processing unit as well as with at least one user.

Some preferred but non-limiting aspects of this receptacle are as follows.

Said at least one processing unit is able to organize, on said at least one man-machine interface and / or on said at least one first communication device, at least one transaction acceptance notification upon receipt of secondary transaction data from said at least one communication device. The at least one first communication device is capable of emitting at least one sound and / or light.

Said at least a first communication device is capable of containing at least a first encryption key unique to each communication device.

Said at least a first communication device is able to determine at least a second encryption key unique to each transaction as well as an encryption key identifier from said at least one first unique encryption key.

Said at least first communication device is able to encrypt at least all or part of said primary transaction data according to a first encryption mode using said at least one second encryption key unique to each transaction.

Said at least one processing unit is able to secure at least all or part of the transmission of said secondary transaction data according to a first security mode.

Said first security mode consists in that the data transmission between said at least one processing unit and said at least one transaction server is carried out in at least one virtual private network.

The portable donation transaction receptacle contains at least one energy storage device.

Said at least one processing unit, said at least one second communication device, said at least one energy storage device and said at least one man-machine interface are contained in a mobile telephone device.

The invention also relates to a transaction server capable of receiving and processing, at least all or part of secondary transaction data in collaboration with a portable donation transaction receptacle, said transaction server being further arranged to process and send to the at least in part tertiary transaction data as well as receiving quaternary transaction data, respectively to and from at least one remote banking authorization server.

Some preferred but non-limiting aspects of this server are as follows. The transaction server is able to participate in at least one virtual private network to form a first security mode.

The invention also relates to the implementation of a donation transaction method using at least one portable donation receptacle comprising the following steps:

a) reception by at least one first communication device containing a first unique encryption key of at least one transaction request instruction, issued by at least one processing unit capable of interacting with at least one man-machine interface, said at least one transaction request instruction being conditioned on an action by a user on said at least one man-machine interface; b) processing by the first communication device of said at least one transaction request instruction; c) forming at least a first wireless communication containing primary transaction data between said at least one first communication device and at least one transaction medium; d) encryption by said at least one first communication device of all or part of the primary transaction data according to a first encryption mode using the first encryption key; e) training by said at least one first device for communicating secondary transaction data; f) transmission of the secondary transaction data from at least one first communication device to said at least one processing unit; g) reception of the secondary transaction data by said at least one processing unit and sending of a transaction acceptance notification to said at least one human-machine interface and / or to said at least one first communication device; h) forming a transaction acceptance notification, on said at least one man-machine interface and / or on said at least one first communication device; i) transmission of at least all or part of the secondary transaction data from said at least one processing unit to at least one transaction server using a second wireless communication device and a first security mode; j) secondary processing, consisting at least of a risk assessment, by said at least one transaction server and formation, by said at least one transaction server, of tertiary transaction data comprising at least one or more authorization authorization requests. transaction ; k) transmission of at least all or part of tertiary transaction data from said at least one transaction server to at least one remote banking authorization server; I) reception by the transaction server of quaternary transaction data originating from at least one remote banking authorization server and containing at least one computer message of secondary transaction acceptance or transaction refusal;

Some preferred but non-limiting aspects of this process are as follows.

Step g) is carried out between step f) and step j).

BRIEF DESCRIPTION OF THE DRAWINGS

Other aspects, aims, advantages and characteristics of the invention will appear better on reading the following detailed description of preferred embodiments thereof, given by way of non-limiting example, and made with reference to the accompanying drawings on which ones :

Figure 1 illustrates a schematic top view of a portable donation receptacle according to a first embodiment of the invention;

FIG. 2 represents a top view of one of the steps of an operating method according to a first embodiment of the invention; FIG. 3 represents a top view of one of the steps of an operating method according to a first embodiment of the invention;

FIG. 4 illustrates a schematic representation of a donation transaction receptacle according to a second embodiment;

FIG. 5 represents a schematic exploded view of a donation transaction receptacle according to a second embodiment;

FIG. 6 schematically represents a donation transaction method using at least one portable donation transaction receptacle according to the invention;

DETAILED PRESENTATION OF PARTICULAR EMBODIMENTS

In the figures and in the following description, the same references represent the same or similar elements. In addition, the different elements are not shown to scale so as to favor the clarity of the figures. Furthermore, the different embodiments and variants are not mutually exclusive and can be combined with one another.

As illustrated in FIG. 1, a portable donation transaction receptacle 10 comprises at least one man-machine interface 12 and a first communication means 11.

The portable receptacle 10 can be produced with a wicker or plastic basket for example. It must be able to contain a first communication device 11, a second communication device 15, a data processing unit 13, a man-machine interface 12 and an energy storage device 102. The portable receptacle 10 can contain a wedge 101 as illustrated in FIG. 5, in plastic or foam for example, to wedge the various aforementioned elements. A cover 101a, for example made of plastic or metal, can also be implemented to hide certain elements contained in receptacle 10. The cover 101a can also be transparent in order to, for example, insert logos or colors or instructions for use. use inside the receptacle 10.

The man-machine interface 12 is adapted to display, for example, an interface for selecting a desired sum of donation as shown in FIG. 1, or for example a user guide as shown in fig. 2, or display a transaction acceptance notification 117 as shown in FIG. 3. The man-machine interface can also receive an order from a user 18. It is also suitable for transmitting the information of an order or a selection from a user 18 to a processing unit 13. A man-machine interface 12 can be produced for example by an embedded web server in for example a computer, cell phone or tablet. The man-machine interface 12 can contain an interactive screen of the “touch screen” type according to the English terms used. The man-machine interface 12 can be achieved by a mobile phone screen or a tablet screen.

As illustrated in FIG. 2, the first communication device 11 makes it possible to interact with one or more transaction media 112 such as transaction cards, for example of the VISA ©, MASTERCARD © or other type. The first communication device 11 can for example contain a contactless communication device such as for example of NFC type for "Near Field Communication" or Bluetooth or even RFID for "Radio Frequency Identification" or for example by a gesture recognition object "Leap Motion" type. The first communication device 11 contains, according to a first embodiment, a first unique encryption key 103 advantageously injected at the factory. This first unique encryption key 103 allows the first communication device 11 to encrypt the primary transaction data 111 generated by the interaction with a transaction medium 112. An example of the first type of encryption 120 may be a DUKPT type encryption. DUKPT encryption is based on the generation of a unique key per device. From a BDK encryption key derivation database, a first unique encryption key 103 is obtained for each communication device 11 and advantageously injected directly into the communication device at the factory. 11. Next, the first communication device 11 determines, for each transaction, using the unique encryption key 103, a second unique key for each transaction and an encryption key identifier (KSN for Key Serial Number).

The transaction server 16 will be able to retrieve the second unique encryption key for each transaction from knowledge of the encryption key derivation database BDK or the first unique encryption key 103 of the first communication device 11 and the KSN key serial identifier.

Generally, several encryption means can be used to encrypt data from a key. For example, symmetric encryption techniques such as AES (in English Advanced Encryption Standard) or triple DES (in English Data Encryption Standard) will be used to encrypt the transaction data from the second unique key determined for the needs of the transaction. For example, the first communication device 11 may contain a microprocessor or a microcontroller as well as memory elements. The first communication device 11 also contains for example a means of wired data transmission by usb or micro usb or nano usb or even by using RS232 or TCP buses to the data processing unit 13. The first communication device 11 can be advantageously powered by the aforementioned usb or micro usb connection. The first communication device 11 can also advantageously contain one or more light-emitting diodes and / or a buzzer or a piezoelectric membrane to enable a light or sound notification 117 to be sent signifying acceptance of the provisional transaction. The first communication device 11 can advantageously be compatible with the PCI / PTS standard to ensure data security. The use of the first communication device 11 is advantageous compared to the use of a contactless chip used in portable telephones. In fact, the chips used in mobile phones are not secure and most often do not communicate in both directions. It is therefore imperative to develop a software layer to make it secure and this development must be standardized and controlled, which is costly.

The primary transaction data 111 notably contains a primary card account identifier called PAN for Primary Account Number in English. The primary transaction data 111 also contain encrypted security data such as the signature of the transaction by the card or even risk management data defined by the card issuer.

The portable donation transaction receptacle 10 also contains an electronic data processing unit 13. The data processing unit 13 is able to generate and transmit to the communication device 11 a transaction request instruction 115 consisting of a reading data from the transaction medium 112, an initialization of the transaction resulting from an action by a user 18 on the man-machine interface 12 and operating the encryption requests. The processing unit 13 is connected to the man-machine interface 12 and it can control the display thereof as well as recover the instructions emanating from the action on the user interface 18. The processing unit 13 comprises a microprocessor or a microcontroller for, inter alia, receiving and processing data originating from the first communication device 11. Advantageously, the processing unit 13 and the first communication device 11 share a common wired communication channel such as for example USB or micro USB. The unit of processing 13 is further able to generate security for the exchanges of at least all or part of said secondary transaction data 113 through public networks according to a first security mode 122. According to one embodiment, the first mode of Securing 122 consists of a data transmission through a virtual private network ("Virtual Private Network" VPN according to the expression used in English). Advantageously, as illustrated in FIG. 3, the processing unit 13 sends a computer message displaying a transaction acceptance notification 117 to the man-machine interface and / or to the first communication device 11 before even if the transaction has actually been accepted or refused by a remote banking authorization server 17. The transaction acceptance notification 117, when it is generated by the processing unit 13, can also consist of a sound emission. This advantageously makes it possible to carry out a donation transaction operation, for example with a bank card, which is accepted at least virtually every time.

This is advantageous because the donations must be fast and fluid and as in the case of cash accepted every time. If a transaction refusal occurs on the initiative of a bank server, this will only result in the abandonment of the transaction well after the receptacle has passed gradually.

The data transferred from the first communication device 11 to the processing unit 13 are called secondary transaction data 113. The secondary transaction data 113 notably contain data resulting from the interaction of the first communication device 11 with the storage medium. transaction 112. They also contain a first status of the transaction: for example "accepted without authorization request", "accepted subject to bank authorization", "refused" (mainly for technical reason: means of payment incorrectly encoded with missing or redundant data). The secondary transaction data 113 also contain data identifying the type of transaction medium 112 (contactless smart card, electronic equipment such as a telephone hosting a payment card) or data identifying the conditions for carrying out the transactions. : contactless, chip reading, track reading.

According to a first embodiment, the portable donation transaction receptacle 10 also contains a second wireless communication device 15 connected by wire to the processing unit 13. The second communication device 15 notably comprises a transmission / reception device long distance radio waves such as for example LTE, 2G, 4G, CDMA, Sigfox, LORA or preferably 3G UMTS for "Universal Mobile Telecommunications System". The second wireless communication device 15 can thus send and receive at least all or part of secondary transaction data 113 to and from at least one transaction server 16. Advantageously, the communication between the second communication device 15 and the server 16 is secured using communication in a virtual private network 161. Advantageously, the processing unit 13 does not modify the secondary transaction data 113.

The portable donation receptacle 10 also includes an energy storage device 102. These are, for example, rechargeable or non-rechargeable batteries of the lithium, LIPO, Li-lon, alkaline batteries type or even super capacitors. The energy storage device also potentially includes a device (not shown) for managing the stored energy. The device for managing the stored energy automatically switches between a first recharging mode and a second discharging mode towards the various elements of the portable receptacle 10. The triggering element of the rocker is the connection or disconnection of the receptacle on an outlet current.

In a second embodiment illustrated in FIG. 4, the man-machine interface 12, the processing unit, the second data transmission device 15 and the energy storage device 102 are integrated into a mobile telephone of cell phone type 119. This advantageously makes it possible to gain compactness and development time.

The transaction server 16 comprises a transaction processing device whose role is to control the merchant and acquirer risk, to determine the need for a request for bank authorization and to transmit the transaction to a collection device which is not shown. The transaction server 16 further comprises a device responsible for making a request for bank authorization if necessary, for generating the file for remitting the collected transactions (on a daily basis for example) for each of the donation collecting bodies and for transmitting the file remittance at the bank remittance center of the recipient of each donation collection organization It can advantageously participate in a private virtual network 161 with the processing unit 13 via the second transmission means 15. It can for example send back a message of good reception of data sent by the processing unit 13. The transaction server 16 can for example receive and perform secondary processing of at least all or part of secondary transaction data 113. This secondary processing consists, for example, of an evaluation of the risks associated with the use of the transaction medium 112 used such as for example the verification of the bank thresholds and accumulations triggering a bank authorization request or else the verification of the merchant thresholds triggering a bank authorization request or even verification of the absence of opposition on the transaction medium 112 used or else the verification of the presence of transaction medium 112 in the list of accepted means of payment. The transaction server 16 can also, for example, generate tertiary transaction data 116 comprising one or more transaction authorization requests, the identification data of the donation collector organization or even the identification data of the recipient. or the data from the authorization request when it was requested. The transaction server 16 can also communicate with other servers, not shown, to trigger the effective payment of the donation, such as for example a bank telemetry server to receive all of the acquirer's data such as bank thresholds and accumulations triggering the authorization, lists of oppositions and acceptances of means of payment. The transaction server 16 can also communicate with an authorization request server or even a bank remittance server where the remittance files are transmitted. The transaction server 16 can send at least part of the tertiary transaction data 116 to at least one remote banking authorization server 17. In return, the transaction server 16 receives quaternary transaction data containing inter alia an authorization or a transaction refusal which ultimately allows a transfer of money from the account linked to transaction support 112 to the bank account of the recipient of the donation. The tertiary 116 and quaternary 118 data can be secured using encrypted and secure exchange channels such as for example with a TLS communication channel with the bank authorization server 17, or even using a secure file exchange protocol. with the delivery server (SFTP for File Transfer Protocol over SSL in English, CFT for Cross File Transfer in English).

FIG. 6 illustrates an embodiment of a donation transaction method using a portable donation transaction receptacle 10 according to the invention.

In a first step a), a user 18 acts on a man-machine interface 12, as described above and electrically connected to a data processing unit 13 for example by a usb cable. The data processing unit 13, described above, generates at least one transaction request instruction 115 to a first communication device 11, described above. The transaction request instruction 115 contains in particular the amount to be withdrawn as chosen by the user 18 on the man-machine interface 12.

In a second step b), the first communication device 11 processes the transaction request instruction 115 to form primary transaction data 111 containing the amount of the transaction, the data of the acquirer the thresholds for the minimum amounts and transaction limits, thresholds for contactless transaction amounts, list of accepted networks (for example VISA ©, MASTERCARD ©) and acquiring signature keys.

The first communication device 11 then forms, in a step c), at least a first wireless communication III as described above.

This communication 111 contains primary transaction data 111 as described above and an additional step d) consists in encrypting them according to a first encryption mode 120 also described above.

In an additional step e), the first communication device 11 generates secondary transaction data 113 described above.

In an additional step f), the first communication device 11 transmits secondary transaction data 113 to the processing unit 13 as described above.

In an additional step g), the data processing unit 13 sends a transaction acceptance notification 117 to the man-machine interface 12 and / or to the first communication device 11.

In an additional step h), a graphic, sound or light notification of transaction acceptance 117 is generated on said at least one man-machine interface 12 and / or on at least one first communication device 11. Advantageously this step is carried out before receipt of confirmation of authorization or effective rejection of transaction 131 received from a bank server 17 as described above. This makes it possible to formulate an acceptance of the donation to the user 18, at least provisionally and in all cases, and allows fluidity during the passage of the portable donation transaction receptacle 10 within an assembly. Even if the transaction is ultimately refused, the user 18 will not have had a direct refusal during the donation which is advantageous for not having to justify, before the assembly constituted to pay donations, any refusal of transaction through lack of money in a bank account linked to transaction support 112 or for any other reason.

In a subsequent step i), all or part of the secondary transaction data 113 are sent from the processing unit 13 to at least one transaction server 16, described above, via a second wireless communication device 15, also described previously. The secondary transaction data 113 can be secured during their transmission according to a first security mode 122 by making, for example, a private virtual network 161, described above, between the processing unit 13 and the transaction server 16 via the second device. wireless communication 15.

In a next step j), the transaction server 16 performs a so-called secondary processing, consisting at least of a risk assessment, for example the verification of bank thresholds and accumulations triggering a bank authorization request, the verification of merchant thresholds triggering a request for bank authorization, the verification of the absence of opposition on the means of payment used or the verification of the presence of the means of payment in the list of accepted means of payment, and this based on all or part of the secondary transaction data 113. The result of the risk analysis may for example lead to three situations: either acceptance without authorization of the transaction, or rejection of the transaction, or acceptance subject to banking authorization . In the latter case, a bank authorization request will be transmitted to the remote bank server 17 before the transaction is delivered. The transaction server 16 then forms tertiary transaction data 116 comprising one or more transaction authorization requests resulting from the risk analysis as described in steps k).

An additional step k) consists in the transmission of tertiary transaction data 116 to at least one remote banking server 17. This transmission can be secured using encrypted and secure exchange channels such as for example with a TLS communication channel with the banking authorization server 17, or even using a secure file exchange protocol with the delivery server (SFTP for File Transfer Protocol over SSL in English, CFT for Cross File Transfer in English).

In a subsequent step I), the transaction server 16 receives quaternary transaction data 118 comprising at least one computer message 131 of secondary transaction acceptance or transaction refusal originating from at least one remote banking authorization server 17 This step I) allows to validate or definitively refuse the payment of funds to the recipient of the donation. In case of refusal at this stage, the user 18 will therefore not be debited with the amount due despite the notification of provisional acceptance of transaction 117 received in step h).

Claims

1. Portable donation transaction receptacle (10), the receptacle (10) comprising:

at least one first communication device (11) capable of generating and receiving, wirelessly, in interaction with at least one transaction medium (112), primary transaction data (111), said at least one first communication device communication (11) being arranged to generate secondary transaction data (113), and adapted to receive at least one transaction request instruction (115);

at least one processing unit (13), separate from said at least one first communication device (11), capable of generating and transmitting to said at least one first communication device (11) said at least one transaction request instruction (115), said at least one processing unit (13) being further adapted to receive and process secondary transaction data (113) originating from said at least one first communication device (11);

at least one second wireless communication device (15) arranged to send and receive at least all or part of the secondary transaction data (113) to and from at least one transaction server (16);

at least one man-machine interface (12) capable of interacting with said at least one processing unit (13) as well as with at least one user (18).

2. portable donation transaction receptacle (10) according to claim 1, characterized in that said at least one processing unit (13) is capable of organizing, on said at least one man-machine interface (12) and / or on said at least one first communication device (11), at least one transaction acceptance notification (117) upon receipt of secondary transaction data (113) from said at least one communication device (11).

3. portable donation transaction receptacle (10) according to one of the preceding claims, characterized in that said at least one first communication device (11) is capable of emitting at least one sound and / or light;

4. portable donation transaction receptacle (10) according to one of the preceding claims, characterized in that said at least one first communication device (11) is capable of containing at least one first encryption key (103) unique to each device communication (11).

5. Portable donation transaction receptacle (10) according to claim

4, characterized in that said at least one first communication device (11) is able to determine at least a second encryption key unique to each transaction as well as an encryption key identifier from said at least one first key unique encryption (103).

6. Portable donation transaction receptacle (10) according to claim

5 and characterized in that said at least first communication device (11) is able to encrypt at least all or part of said primary transaction data (111) according to a first encryption mode (120) using said at least one second key unique encryption for each transaction;

7. portable donation transaction receptacle (10) according to one of the preceding claims and characterized in that said at least one processing unit (13) is capable of securing at least all or part of the transmission of said secondary transaction data (113 ) according to a first security mode (122);

8. Portable donation transaction receptacle (10) according to claim 7, characterized in that said first security mode (122) consists in that the transmission of data between said at least one processing unit (13) and said at at least one transaction server (16) is implemented in at least one virtual private network (161);

9. portable donation transaction receptacle (10) according to one of the preceding claims and characterized in that it contains at least one energy storage device (102);

10. Portable donation transaction receptacle (10) according to claim 9 and characterized in that said at least one processing unit (13), said at least one second communication device (15), said at least one storage device power (102) and said at least one man-machine interface (12) are contained in a mobile telephone apparatus (119);

11. Transaction server (16) capable of receiving and processing, at least all or part of secondary transaction data (113) in collaboration with a portable donation transaction receptacle (10), said transaction server (16) being further arranged to process and send at least partially tertiary transaction data (116) as well as receive quaternary transaction data (118), respectively to and from at least one remote banking authorization server (17);

12. Transaction server (16) according to claim 11, characterized in that it is able to participate in at least one virtual private network (161) to form a first security mode (122);

13. Donation transaction method using at least one portable transaction receptacle (10), the method comprising at least the following steps: a) reception by at least one first communication device (11) containing a first unique encryption key ( 103) of at least one transaction request instruction (115), issued by at least one processing unit (13) capable of interacting with at least one human-machine interface (12), said at least one request request instruction transaction (115) being conditioned on an action of a user (18) on said at least one man-machine interface (12); b) processing by the first communication device (11) of said at least one transaction request instruction (115); c) forming at least a first wireless communication (III) containing primary transaction data (111) between said at least one first communication device (11) and at least one transaction medium (112); d) encryption by said at least one first communication device (11) of all or part of the primary transaction data (111) according to a first encryption mode (120) using the first encryption key (103); e) formation by said at least one first communication device (11) of secondary transaction data (113); f) transmission of the secondary transaction data (113) from at least one first communication device (11) to said at least one processing unit (13); g) reception of the secondary transaction data (113) by said at least one processing unit (13) and sending of a transaction acceptance notification (117) to said at least one human-machine interface (12) and / or to said at least one first communication device (11); h) forming a transaction acceptance notification (117), on said at least one man-machine interface (12) and / or on said at least one first communication device (11); i) transmission of at least all or part of the secondary transaction data (113) from said at least one processing unit (13) to at least one transaction server (16) using a second wireless communication device ( 15) and a first security mode (122); j) secondary processing, consisting at least of a risk assessment, by said at least one transaction server (16) and formation, by said at least one transaction server (16), of tertiary transaction data (116) comprising at least minus one or more transaction authorization requests; k) transmission of at least all or part of tertiary transaction data (116) from said at least one transaction server (16) to at least one remote banking authorization server (17);

L) reception by the transaction server (16) of quaternary transaction data (118) coming from at least one remote banking authorization server (17) and containing at least one computer message (131) of secondary transaction acceptance or transaction refusal;

14. The donation transaction method according to claim 13, in which step g) is carried out between step f) and step j).