EP3776415A1 - Method for processing a transaction between a source terminal and a destination terminal, corresponding banking services system, terminal and computer program - Google Patents

Abstract

The invention relates to a method for processing a transaction between a source terminal and a destination terminal implementing a transaction phase comprising: - receiving (31), by a source BTS connected to the source terminal, a transaction request originating from the source terminal, said request carrying at least one identifier of said destination terminal and a transaction amount; - obtaining (32), by the source BTS, destination terminal location information, on the basis of at least one location database, denoted BLDB, and said destination terminal identifier; - determining (33), by the source BTS, at least one destination BTS connected to the destination terminal, on the basis of said destination terminal location information; and - transmitting (35), to said destination terminal and by the destination BTS, said request or information relating to said transaction.

Description

 A method of processing a transaction between a source terminal and a destination terminal, banking system, terminal and corresponding computer program.

 1. Field of the invention

 The field of the invention is that of communications within a communication network, for example an IP network.

 More specifically, the invention provides a solution for the implementation of transactions, including financial, between communication terminals (mobile phone, tablet, computer, etc.).

 The invention finds in particular, but not exclusively, applications in the field of money transfer between terminal users connected to the Internet.

 2. Prior Art

 The IP network is the universal support for a multitude of services and applications. Some telecommunications operators use this IP network to support their various service offerings, for example their banking services.

 Operators offer an electronic purse service that allows their customers to carry out transactions (bank transfer, withdrawal of cash from partner businesses, credit on the recipient's electronic purse, telephone recharge, etc.). ) from their terminal to other customers who have subscribed to the service, and located, for example, in France, Mali, Côte d'Ivoire, Senegal or Guinea.

 A disadvantage of such a technique is that it requires that the issuer and the recipient have a specific account and are customers of the same operator who offers such a transaction service bank.

 Another disadvantage is that the service offer is limited to a few countries (for example, France, Mali, Côte d'Ivoire, Senegal or Guinea).

 Another disadvantage is that bank charges can be high.

 There is therefore a need for a new technique of financial transaction between terminals with a low cost, and which is particularly accessible regardless of the operators and location of these terminals.

 3. Presentation of the invention

 The invention proposes a new solution for processing a transaction between a source terminal and a destination terminal, implementing a transaction phase comprising:

receiving, through a banking system, called BTS ("Banking Transfer System") in English) source, connected to the source terminal, of a transaction request from the source terminal, said request comprising at least one identifier of the destination terminal and a transaction amount,

 obtaining, by the source BTS, destination location information from the destination terminal, from at least one location database, denoted BLDB ("BTS Location Data Base" in English), and the identifier the destination terminal,

 the determination, by the source BTS, of at least one banking system, said recipient BTS, connected to the destination terminal, from the destination terminal's location information,

 if the source BTS is not the destination BTS, at least one iteration of the following steps, implemented as long as the transaction request did not reach the destination BTS:

 o selection of an intermediary banking system, said intermediate BTS, taking into account at least one selection criterion, o transmission to the intermediate BTS of the transaction request; the transmission to the destination terminal, by the destination BTS, of the request or information relating to the request (such as the success or failure of the transaction).

 The invention thus proposes a new solution for the processing of a transaction, for example a bank transaction, based on the use of at least one banking system, to which the source terminal is connected, and at least one location database for locating the destination terminal.

 In particular, if the source BTS differs from the recipient BTS (ie if the source and destination terminals are not connected to the same BTS), the invention proposes to network a plurality of BTSs (which may belong to operators different routes, implement different technologies, etc.) and, if several paths are possible between the source BTS and the destination BTS, select the path that meets at least one selection criterion (for example a minimum number of intermediate BTS, minimum transfer cost, minimum distance between BTS, balancing number or amount of transactions between different operators, etc.).

 Thus, according to a particular embodiment, following a money transfer request for example, the BTS networked can engage in a global negotiation to arrive at the transfer path that will give rise to the lowest transfer commission.

In particular, an embodiment of the invention proposes an innovative solution enabling telecommunication operators to diversify their offerings, particularly in the banking sector, by offering their customers the possibility of executing financial transactions regardless of their means of access to the network (fixed or mobile), whatever their means of communication (eg SMS, IP packets), and respecting constraints in terms of security, confidentiality, speed of execution and robustness of transactional exchanges.

 According to an exemplary implementation of the invention, the pooling of resources and / or procedures for verifying the identity of a user, as well as the contribution of the "all-IP", make it possible to reduce transfer costs, while avoiding the technical constraints such as those observed for the monetary transfer modes currently practiced (eg, moving the customer receiving the transaction to an agency where he / she can recover the money transferred, supplying words of pass, etc.).

 According to at least one embodiment, the invention proposes an improvement of the banking transaction services by allowing the various actors to benefit from a communication infrastructure capable of supporting transactional exchanges in order to deliver an attractive value-added service: transactions performed almost immediately and compatible with the roaming of recipients, reduced transfer fees, etc.

 According to at least one embodiment, the solution proposed makes it possible to solve at least one drawback of the techniques of the prior art, and has at least one of the following advantages:

 the proposed solution does not impose a technical constraint:

the means of communication used between the source terminal and the source BTS may be the mobile network, an IP connectivity service, the Public Switched Telephone Network (PSTN), a Facebook ^® account, etc. ;

 o the source BTS and the destination BTS can be separate and managed by separate operators;

the means of communication used between the source terminal and the source BTS may be different from that used between the recipient BTS and the destination terminal; for example, the issuer of the transaction can use its fixed Internet connection to initiate the transaction, while the recipient of the transaction is identified with a mobile number or Facebook ^® account; the proposed solution does not impose a geographical constraint: transactions are not limited to a single operator, a single country, or a set of countries. Global connectivity enables the deployment of a transaction processing service, such as money transfer, on a large scale and immediately, while capitalizing on existing IP infrastructures, value-added mobile services, etc. . the proposed solution will automatically discover existing BTS, automatically establish interconnection agreements, exchange transaction placement data, place transactions, etc. ;

 the proposed solution is dynamic: for example, in the case of roaming the recipient, a sum of money transferred may be available in the new coverage area of the recipient (noted for example "Visited") and not only in its area of attachment (noted for example "Home");

 the proposed solution is reliable: the BTS can dynamically choose the appropriate paths for a better reliability of the transactions;

 a maximum transfer cost can be set for a BTS, and the actual fees can be negotiated downwards when the transaction is executed. Transfer costs are not necessarily fixed;

 the issuer of the transaction does not need to contact the recipient to provide him with a password that the latter should present in order to recover the amount transferred;

 etc.

 At least one embodiment of the invention also relates to a banking system, known as BTS, for processing a transaction between a source terminal and a destination terminal, comprising at least one programmable calculation machine or a calculation machine. dedicated configured for:

 receiving and / or transmitting a transaction request, said request carrying at least one identifier of the destination terminal and a transaction amount,

obtain destination location information from the destination terminal, from at least one location database, denoted BLDB, and from the destination terminal identifier, determine at least one banking system, said recipient BTS, connected to the terminal recipient, from the destination terminal location information, select at least one intermediary banking system, said intermediate BTS, taking into account at least one selection criterion. In particular, such a BTS can be a source BTS, an intermediate BTS, or a recipient BTS. A BTS can implement a so-called brokerage service or "brokering" (BTS "broker") to select an intermediate BTS taking into account at least one selection criterion.

 In the case of a source BTS, connected to the source terminal, the source BTS can receive the transaction request from the source terminal. If the source BTS is the recipient BTS, ie if it is also connected to the destination terminal, it can transmit the request to the destination terminal. If the source BTS is not the recipient BTS, it can send the request to the recipient BTS, possibly via an intermediate BTS.

 In the case of a destination BTS connected to the destination terminal, the recipient BTS can receive the transaction request from the source BTS or an intermediate BTS. It can transmit the transaction request to the destination terminal.

 In the case of an intermediate BTS, the latter may receive the transaction request from the source BTS or another intermediate BTS. It can transmit the transaction request to another intermediate BTS or to the recipient BTS.

 For example, such a BTS (source, recipient or intermediary) includes:

 at least one executing entity (BT A, for "BTS Transfer Agent") able to implement at least one step belonging to the group comprising: o the receipt and / or transmission of the transaction request, o obtaining a destination terminal location information, o determining the destination BTS,

 o selection of at least one intermediate BTS

 at least one location database, or means for accessing at least one external location database,

 at least one interconnection entity (BIE, for "BTS Interconnect Element", in English) for interconnecting BTS.

 The invention also relates to a terminal, source or recipient, used for processing a transaction. For example, such a terminal comprises at least one programmable computing machine or a dedicated computing machine configured to issue a transaction request, said request comprising at least one identifier of the destination terminal and a transaction amount.

In another embodiment, the invention relates to one or more computer programs comprising instructions for carrying out the method of processing a computer. transaction according to at least one embodiment of the invention, when this or these programs is / are executed (s) by a processor.

 In yet another embodiment, the invention relates to one or more information carriers, irremovable, or partially or totally removable, readable by a computer, and including instructions of one or more computer programs for execution steps of the method of processing a transaction according to at least one embodiment of the invention.

 The methods according to the invention can therefore be implemented in various ways, in particular in hard-wired form and / or in software form.

 4. List of figures

 Other features and advantages of the invention will appear more clearly on reading the following description of a particular embodiment, given as a simple illustrative and nonlimiting example, and the appended drawings, among which:

 FIG. 1 illustrates an example of BTS networking for routing a transaction request from a source terminal to a destination terminal;

 Figures 2A and 2B illustrate examples of connection between banking services systems (BTS);

 Figure 3 shows the main steps of the method of processing a transaction according to a particular embodiment of the invention;

 FIG. 4 illustrates an example of entities composing a BTS;

 FIG. 5 illustrates an example of mutualization of a location database; FIG. 6 shows an example of implementation of a BTS discovery phase; Figure 7 shows an example of implementation of an interconnection phase between BTS;

 Figures 8 and 9 provide two examples of implementation of a phase of exchange of location data between BTS;

 FIGS. 10 to 13 show examples of implementation of a transaction phase, whether the source terminal is connected to the same BTS as the destination terminal or not;

 FIG. 14 illustrates the use of several execution entities within a BTS according to a particular embodiment;

FIG. 15 presents an exemplary implementation of the invention in the event of roaming of the destination terminal; and Figure 16 shows the simplified structure of a BTS according to a particular embodiment.

 5. Description of an embodiment of the invention

 5.1 General principle

 The general principle of the invention is based on the use of at least one new system, called a banking system or BTS ("Banking Transfer System"), and the networking of such systems, to route a transaction request. from an issuer to a beneficiary.

 For example, as illustrated in FIG. 1, one or more BTS 131, 132 can be used to route a transaction request sent by a source terminal 11 to a destination terminal 12, in at least one IP communication network for example.

 An IP communication network, or a set of IP networks that form an Autonomous System (AS), can host one or more BTSs. A BTS can also be connected to several ASs. A BTS can be operated by a banking operator. This banking operator can also act as a mobile service operator (ie, an operator of a PLMN (Public Land Mobile Network)), as a connectivity service operator, etc. .

 A BTS, according to at least one embodiment of the invention, is therefore a system used to provide banking services, such as the transfer of money market funds.

The source terminal 11 associated with the transmitter and the destination terminal 12 associated with the recipient can be registered with different BTSs. For example, the source terminal 11 is connected to the BTS A 131, said source BTS, and the destination terminal is connected to the BTS B 132, said recipient BTS. The transactions are therefore not necessarily intra-operator, but can be inter-operator, for example when the issuer is a customer of a first operator (Orange ^® for example) while the recipient is a customer of a second operator (British Telecom ^® for example).

 As illustrated in FIGS. 2A and 2B, the different BTSs can be connected via the Internet network, or via one or more ASs. A BTS (for example the BTS B 132) can in particular be multi-connected, to ensure a better availability of Internet connectivity.

Each BTS can be identified with a globally unique code, called BTS identifier or BTID ("BTS Identifier"). This code can be used to uniquely identify a BTS on a global scale. The BTID identifier may for example use a BIC ("Bank Identifier Code") code or SWIFT ("Society for Worldwide Interbank Financial Telecommunication") code, ie. the international identification number of the banking operator operating the BTS. Such a BTID identifier can in particular be used for the discovery of existing BTS domains or to route a transaction request.

 In the following, with reference to FIG. 3, the main steps of a method for processing a transaction between a source terminal and a destination terminal, according to at least one embodiment of the invention, are implemented. during a transaction phase.

 Referring again to the example of FIG. 1, the source BTS 131 receives (31) a transaction request, for example in a "TRANSFER" type message, from the source terminal 11. Such a request carries at least one identifier of the destination terminal 12 and a transaction amount.

 According to at least one embodiment of the invention, the transaction request includes, in addition to the identifier of the destination terminal and the amount of the transaction, at least one information belonging to the group comprising:

 a currency or unit used for the transaction,

 a date of execution of the transaction,

 an indicator indicating whether the source terminal wishes to be informed of the status of the transaction.

 From the identifier of the destination terminal 12 and at least one location database 311, denoted BLDB, internal to the source BTS or accessible by the source BTS, the source BTS obtains (32) terminal location information. recipient 12.

 The source BTS uses this location information of the destination terminal 12 to determine (33) the destination BTS 132, in particular the BTID identifier of the destination BTS 132.

 If the source BTS is the destination BTS (ie, if the source 11 and destination 12 terminals are connected to the same BTS), the BTS transmits (35) the transaction request to the destination terminal, or information relating to the transaction (as a success or a failure). Note that additional information can be added to the transaction request before it is sent to the destination terminal.

 If the source BTS is not the destination BTS (ie, if the BTID identifier of the source BTS and the BTID identifier of the destination BTS are different), the transaction processing method implements at least one iteration 34 of the following steps, as long as the transaction request has not been received by the recipient BTS:

selection 341 of an intermediary banking system, said intermediate BTS, taking into account at least one selection criterion. For example, the selection criterion belongs to the group comprising: a minimum transfer cost (eg an exchange rate and / or minimum commission fees);

 a minimum number of intermediate BTS;

 a minimum distance between two BTSs;

 a balancing of the number or amount of transactions between different operators;

 etc.

 transmission 342 to the intermediate BTS of the transaction request. It should be noted that additional information, such as the BTID identifier of the BTS transmitting the request and / or receiving the request, can be added to the transaction request before it is sent to the intermediate BTS.

 The criterion for stopping the iterations is notably the reception, by the destination BTS, of the transaction request. The last BTS "intermediate" selected is therefore, in this case, the recipient BTS.

 When a recipient BTS has received the transaction request, the latter can transmit it (35) to the destination terminal, possibly accompanied by additional information. The recipient BTS can transmit to the destination terminal, in addition to or instead of the transaction request, information relating to the transaction, such as a failure or a success.

 The destination terminal 12 can then confirm to the source terminal 11 the good reception of the request, using the same transmission path via the BTS, or not.

 5.2 Description of a particular embodiment

 A) Definitions

 In the following, with reference to FIG. 4, a particular embodiment of the invention, according to which a BTS 41, identified for example by the identifier BTID # 1, is composed of several physical and / or functional entities. , including:

 at least one interconnection entity 411, or BIE ("BTS Interconnect Element"), responsible for connecting a BTS with at least one other BTS. Several IBE interconnection entities may be active within a single BTS. Similarly, several BTS can pool the same IBE interconnection entity;

a location database 412, or BLDB ("BTS Location Data Base"), storing the location information of the terminals connected locally to the BTS or connected to a remote BTS. For example, BLDB includes: a local database 4121, or LLDB ("BTS Local Data Base"), comprising location information relating to at least one terminal connected to the local BTS, identified by an identifier. In other words, this LLDB is responsible for maintaining the location information (eg contact addresses) for reaching the beneficiaries connected locally to the BTS. In particular, the LLDB can contain E.164 addresses, MSISDN numbers ("Mobile Station ISDN Number"), SIP URIs ("Uniform Resource Identifier for the Session Initiation Protocol"), IP addresses, and so on.

 According to a first example, a BTS operator who is also a telecommunications operator may use his MSISDN database as the LLDB base to identify the customers who may be locally beneficiaries of a transaction.

 According to a second example, a BTS operator can set up a specific registration procedure that feeds the LLDB.

an interconnection database 4122, or BIDB ("BTS Interconnect Data Base"), comprising location information relating to at least one terminal connected to at least one remote BTS. In other words, this BIDB is responsible for maintaining the location information (eg contact addresses) to reach the beneficiaries who are not connected to the local BTS, but to remote BTS.

 For example, the location information relating to at least one terminal connected to at least one remote BTS comprises:

 a BTID identifier of the remote BTS,

 location information (for example a contact address) of at least one interconnection entity BIE (of the remote BTS) making it possible to connect the local BTS to the remote BTS ("BIE Peer" in English), etc.

 It is noted that a BIE interconnect entity may be co-located with the BLDB location database. Access to the BIE is for example made with the same contact address as access to the BLDB.

The BLDB localization database can also be instantiated on several BIEs. In this case, a synchronization using dedicated mechanisms can be implemented. In addition, the BLDB localization database can be stored locally in a BTS, or outsourced and accessible by the BTS. For example, as illustrated in FIG. 5, the local database can be local to a BTS (LLDB 51 local to the BTS carrying the identifier BTID # 1, local LLDB 52 to the BTS carrying the identifier BTID # 2), and the interconnect database BIDB can be either local to a BTS, or shared between several BTS (BIDB 53 pooled between the BTS BTID # 1 and BTID # 2), for example when the BTS operators managing these BTS are members of a banking alliance which is responsible, inter alia, for hosting the BIDB interconnection database.

 at least one execution entity 413, or BTA ("BTS Transfer Agent"), responsible for the execution of the transaction requests. It ensures in particular the routing of a transaction request to an IBE in order to allow the BTS connected to the recipient of the transaction to complete the operation.

 One or more BTA entities can be activated within a BTS.

 In order to route a transaction request, a BTA entity requests the BLDB location database.

 Each BTA entity has the information necessary to contact either globally the BLDB localization database ("generic" invocation), or directly the local LLDB database or the BIDB interconnect database ("specific" invocation). An entity BTA can also implement at least one operation belonging to the group comprising:

 check that a maximum transfer amount is not reached,

 verify the compliance of the issuer's file of the transaction request (eg solvency elements, ceiling allocated to the issuer) with the legislation in force, check the availability of the funds to be transferred,

 etc.

 As illustrated in FIG. 4, a terminal 42 may be connected to one or more BTS 41s. The transport network 43 between the terminal 42 and the BTS 41 may be based on various technologies (PSTN, PLMN, IP, SIP, etc.). No constraint is imposed on the nature of the transport used to route a transfer request sent by a terminal to a BTS, in particular to the BTA entity of the BTS.

A terminal according to the invention is for example a mobile terminal, a terminal embodying a specific software instance, a SIP terminal, a telephone terminal, a personal computer, etc. In particular, such a terminal is equipped with a function authorizing the transaction processing, or UTA ("User Transfer Agent"). A terminal can be a dedicated application (typically a mobile application), a service accessible via a generic client (typically an email client or a client portal) embedded in another client software (for example, a WebRTC client embedded in a Web browser), etc. Such a dedicated application or software client can be accessible from one or more physical terminals. Hereinafter called "terminal UTA", or more simply terminal, any terminal equipped with such a function for processing transactions according to the invention.

 An UTA terminal can be identified with a globally unique identifier, called UTA Identifier (UTA Identifier) or UTAJD. This UTA identifier is for example an MSISDN number, a SIP URI, an e-mail address, etc.

 Also, an UTA terminal can be located, and therefore contacted, from the location information. UTA locator ("UTA Locator") or UTA_LOC is called the location information of an UTA terminal. An UTA locator is for example an MSISDN number, a SIP URI, a PSTN number, an IP address, etc.

 The UTA identifier and its UTA locator may be the same or different.

 The same terminal UTA can be associated with several identifiers. Corollary, the same UTA locator can be used to locate multiple UTA identifiers.

 The same UTA can be reachable with one or more UTA locators.

The identity of the BTS to be solicited for the transactions, or more specifically the identity of the BTA entity of the BTS to be solicited, can be dynamically configured on an UTA terminal (for example, by using the information element IE (" Information Element ") of the Protocol Configuration Options (PCO) protocol, Dynamic Host Configuration Protocol (DHCP), or use a dedicated domain name (for example," orange bta.bts. ").

 An UTA terminal may be connected to one or more BTSs. In this case, the UTA identifier of this terminal is present in the BLDB localization databases associated with these different BTSs.

 Prior to transaction processing, a terminal UTA and a BTS (or more specifically a BTA entity of the BTS) can authenticate each other. Mutual authentication can for example use the Extensible Authentication Protocol (EAP) and more specifically EAP-TTLS (EAP Tunneled Transport Layer Security).

 The authentication, by the BTS entity of the BTS, of a terminal UTA connected to the BTS, and / or the authentication, by the terminal UTA, of the BTA entity of the BTS can be implemented during a initialization phase prior to the transaction phase.

 B) Initialization of a BTS

In order to be able to process a transaction, the method of processing a transaction according to at least one embodiment of the invention implements an initialization phase of less a BTS. Such a BTS can be a source BTS, an intermediate BTS, or a recipient BTS.

According to at least one embodiment, the initialization phase of a BTS, called local BTS, comprises the construction or updating of the location database BLDB.

 For example, the local database LLDB is initialized with the identifiers and locators of the terminals connected to the local BTS (UTAJD, UTA_LOC). Optionally, the local database (LLDB) also stores information relating to banking services, belonging to the group comprising:

 a maximum amount of transfer authorized per terminal, possibly per unit of time (eg per day, per week, per month, etc.);

 a maximum number of authorized transfers per terminal, possibly per unit of time (eg per day, per week, per month, etc.);

 etc.

 The BIDB interconnect database can also be initialized. At startup, this base can be empty or powered by other means.

 The initialization phase of the local BTS can also implement the configuration / activation of at least one BTA and / or at least one BIE interconnection entity of the local BTS with at least one location information. of the BLDB localization database. For example, each of the BTA and BIE entities is configured with a list of addresses to contact the BLDB. Specific addresses, typically IP addresses or DNS names, can also be used to directly join the local LLDB database or the BIDB interconnect database.

 At the end of this initialization phase, a local BTS is ready to process local transaction requests (ie between a source terminal and a destination terminal connected to the same local BTS), but also to connect with other BTS. Also, the local BTS can advertise to remote BTS that it is ready to connect with them.

 C) Discovery of BTS

 According to at least one embodiment of the invention, the method of processing a transaction comprises a phase of discovery of at least one remote BTS, including sending by a local BTS, in at least one communication network to which The local BTS is connected to a discovery message indicating the local BTS's ability to process transactions.

For example, the discovery message carries at least one identifier of the local BTS and location information of at least one interconnection entity for connecting the local BTS with the remote BTS or BTS. Eventually, the discovery message carries at least complementary information belonging to the group comprising:

 information indicating whether the local BTS is a source, recipient, or intermediate BTS;

 information indicating the region where the local BTS operates;

 an aggregate, or list, of terminal identifiers connected to the local BTS;

 transfer pricing conditions between BTS;

 etc.

 In particular, as illustrated by Figure 2B, a BTS can use the resources of one or more autonomous system (s) to connect to the Internet. For example, a BTS can activate a routing protocol between BTS (for example the BGP protocol) or use static routes to connect to the network (s) of the operator (s) in charge of the operation of the BTS. or AS: the connection of a BTS to several AS thus improves the availability, or even the effectiveness of the transaction service offered by the BTS.

 When a BTS uses the BGP protocol resources to advertise its ability to connect to other BTSs, the discovery message may include a new BGP attribute to advertise such a capability: the BTS_CAPABLE attribute. Such an attribute can be defined as an "Extended Community" attribute, with the following information:

 "BSID": the BTS identifier issuing the BTS_ CAPABLE attribute;

 "BIE Locator (s)": A list of BIE Interconnect Entity Addresses;

and optionally:

 "BTS Role": information indicating whether the BTS issuing the BTS_ CAPABLE attribute is an intermediate (or forwarding) BTS or leaf (ie source or destination);

"Country Code (s)": the country or countries where this BTS operates;

 "UTA Prefix Aggregate": an aggregate, or list, of UTA terminal identifiers attached to the BTS issuing the BTS_CAPABLE attribute. For example, this field may contain "+ 212 *" for any destination in Morocco, "+ 2126 *" for all mobile numbers starting with "6", "*@orange.fr" for all customers with 'an email address' orange.fr', etc. ;

 "Transfer Rate": the price conditions for inter-BTS transfer;

 etc.

The BGP message with the BTS_CAPABLE attribute is propagated by the routers of the AS (s) to which the local BTS is connected. Such a message is then propagated by BGP in the ASes likely to be involved in the traffic routing characteristic of transactions, and which constitute all or part of the Internet network. The activation of BGP by a BTS is not mandatory if the AS expose BTS dedicated interfaces for injecting information into BGP via said AS.

 By way of example, FIG. 6 illustrates a local BTS, the BTS A 61, whose identifier "BTID = A" is announced using the attribute BTS_CAPABLE via its access operator which exploits AS1 62. This information is transmitted to AS1's neighbors, the AS2 63 and AS3 64 stand-alone systems, depending on the BGP connections in place. Gradually, the information that the BTS A 61 is ready to connect to other BTS is thus propagated to the remote BTS, such as the BTS B 65.

 Of course, techniques other than using a new BGP attribute to advertise the ability of a BTS to connect to another BTS may be implemented, such as the use of DNS SRV ("Domain Name System SeRVice"). (record) ") for example.

 D) Interconnection of BTS

 According to at least one embodiment of the invention, the method of processing a transaction comprises a phase of interconnection of a local BTS with at least one remote BTS comprising:

 obtaining, by the remote BTS, location information from at least one interconnection entity BIE for connecting the local BTS with the remote BTS. For example, such location information may be carried by the discovery message;

 sending, by the remote BTS, an interconnection request message to the interconnection entity BIE located by the location information.

 According to a particular embodiment, each BTS has a database that lists interconnection agreements established or in the process of being established with other BTSs. In other words, a local BTS can not communicate with any remote BTS. An interconnection agreement must exist, or be in the process of being established, for two BTSs to communicate. Such a database is for example managed by a BIE interconnection entity responsible for negotiating the interconnection agreements. This database can also be managed by another BTS entity.

 A remote BTS can also filter the received discovery message (s) (including for example the BTS_CAPABLE attribute) to retain only certain BTS for the purpose of establishing interconnection agreements.

Thus, the interconnection phase optionally comprises: verification, by the local BTS, of an interconnection agreement between the local BTS and the remote BTS,

 the transmission, by the local BTS, of a message of acceptance or not of the interconnection request,

 the update of the interconnection database (BIDB) associated with the local BTS and / or the remote BTS.

 By way of example, with reference to FIG. 6, BTS B 65 has the information necessary to send an interconnection request message to BTS A 61. In particular, BTS B 65 has at least one address IP assigned to the BIE interconnection entity BTS A 61 to be contacted to initiate an interconnect request; this information is contained in the attribute BTS_CAPABLE.

 For example, to send an interconnect request to the BTS A 61, the BTS B 65 generates a message BTSJNTERCONNECT (BSID, NONCE, [CC, UTA Prefix Aggregate, Transfer Rate, ...]) that it sends to the IP address of the BIE interconnection entity BTS A 61, as announced in the BTS_CAPABLE attribute. The arguments of the BTS_INTERCONNECT () message include, for example:

 "BSID": the identifier of the BTS sending the message BTSJNTERCONNECT,

 "NONCE": a key generated randomly by the BTS transmitting the BTSJNTERCONNECT message. This key can be included in the response to this BTSJNTERCONNECT message;

 "CC": The country or countries served by the BTS transmitting the BTSJNTERCONNECT message. This information can be used by the BTS receiving the BTSJNTERCONNECT message to process the interconnect request;

 "UTA Prefix Aggregate": an aggregate, or list, of UTA terminal identifiers attached to the BTS transmitting the BTSJNTERCONNECT message;

 "Transfer Rate": the price conditions for inter-BTS transfer;

 "Type": A type associated with the interconnect request:

 - "0" or "Bidirectional": the requests in transaction can be issued by the BTS sending the message BTSJNTERCONNECT and the BTS receiving the message BTSJNTERCONNECT;

- "1" or "Send-only": only the BTS transmitting the BTSJNTERCONNECT message can issue transaction requests; - "2" or "Receive-only": only the BTS receiving the BTSJNTERCONNECT message can issue transaction requests;

 - other values can also be defined.

 With reference to FIG. 6, upon receipt of the interconnection request message BTSJNTERCONNECT by a BIE interconnection entity of the BTS A 61, the latter carries out verifications, such as, for example, verifying that the BTS B 65 is not part of blacklist.

 As illustrated in FIG. 7, to accept an interconnection request, the BTS A 61 can respond with an OK acceptance message (BSID, NONCE, [CC, UTA Prefix Aggregate, Transfer Rate, Redirect_BIE, ...]). The parameters of the OK acceptance message include, for example:

 "BSID": the identifier of the BTS sending the message OK;

 "NONCE": the key generated randomly by the BTS which has sent the message BTS J NTE RCO N N ECT, copied from the associated BTSJNTERCONNECT request;

 "CC": the country or countries served by the BTS transmitting the OK message;

 "UTA Prefix Aggregate": an aggregate, or list, of UTA terminal identifiers attached to the BTS transmitting the OK message;

 "Transfer Rate": the price conditions for inter-BTS transfer;

 "Redirect_BIE": One or more IP addresses of BIE interconnection entity (s) to be used for future exchanges.

 In particular, the "Redirect_BIE" information may be used in at least one embodiment of the invention in which the BIE interconnection entity (s) responsible for negotiating the interconnection agreements are different from the interconnection entities. IBE involved in the processing of transaction requests.

 To refuse an interconnection request, the BTS A 61 can respond with a NOK non acceptance message (BSID, NONCE, REASON_CODE, ...). The reasons for refusal of an interconnection request are typically explained in the "REASON_CODE" parameter:

 "0" or "Administratively Prohibited": the request for interconnection has been refused for administrative reasons;

"1" or "Too High Transfer Rates": the interconnection request was rejected because the transfer fees are too high. A counter-proposal may be included in the answer. The BTS having issued the BTSJNTERCONNECT message may possibly reissue an interconnection request with another rate proposal; "2" or "Country Covered": The country identified by the CC parameter of the BTSJNTERCONNECT message is already served by the BTS transmitting the NOK message. This error code can for example be used if a BTS decides on a maximum number of BTS that can serve the same country;

 "3" or "Overlapping UTA Aggregate": indicates that the list of transmitted UTA terminal identifiers includes UTA terminals served by another BTS. This error code can for example be used if a BTS decides a maximum number of BTS that can serve the same terminal UTA.

 In case of acceptance of an interconnection request, the BTS A 61 and BTS B 65 can then update their respective BIDB interconnection databases (or a pooled BIDB database) to fill in the BTS identifiers and BIE interconnection entity location information to be used for issuing transaction requests to a terminal identified in the UTA Prefix Aggregate aggregate (or list).

 For example, the interconnection entity BIE of the BTS B 65 locally maintains a table of correspondences between the BTID identifier of the BTS A 61 ("Remote BTID") and the location information of the interconnection entity BIE of the BTS A 61 ("Remote BIE locators"). Similarly, the interconnection entity BIE of the BTS A 61 locally maintains a table of correspondences between the BTID identifier of the BTS B 65 ("Remote BTID") and the location information of the interconnection entity BIE of the BTS. B 65 ("Remote BIE locators").

 These matches can be used to route transaction requests from a local BTS to a remote BTS. Thus, based on the BTID identifier of a remote BTS, a BIE interconnect entity may select the locator to be used to transmit the transaction request to that remote BTS. An association example is {UTA ldentifier = + 212 *, Remote BTID = BTID # 145, Remote BIE Locators = [l.2.3.4, 2001: db8 :: l], ...}.

 A BIE interconnect entity may enable policies for selecting a Remote BIE Locator ("BIE Locator"), based on considerations such as load balancing, resiliency, and so on.

It may also be noted that, according to a particular embodiment, in the case of interconnection with an intermediate BTS, a local BTS can indicate to the intermediate BTS the list of BTS and / or country and / or geographical area identifiers,. .., not to be involved in a transaction routing procedure for this local BTS. These preferences can be recorded by the intermediate BTS in its BLDB location database as an example of a blacklist. E) Exchange of location data

 According to at least one embodiment of the invention, the method of processing a transaction comprises a location information exchange phase, comprising:

 the transmission, by a local BTS, to at least one remote BTS, of a location message carrying at least one identifier of a terminal connected to the local BTS, associated with at least one location information of this terminal. This information is extracted in particular from the localization database BLDB, in particular from the local database LLDB associated with the local BTS;

 updating the BIDB interconnection database associated with the remote BTS upon reception by the remote BTS of the location message.

 Such a location message can be sent in response to a request sent by a remote BTS, said request carrying at least one information belonging to the group comprising: an identifier of the remote BTS,

 a key generated by the remote BTS.

 As a variant, such a location message may be issued periodically or following a change (modification of the list of UTA terminal identifiers, modification of the BLDB, modification of the tariff clauses, etc.).

 For example, such a location message carries at least one item of information belonging to the group comprising:

 an identifier of the local BTS,

 a key generated by the local BTS or the remote BTS,

 a list of identifiers of the terminals connected to the local BTS.

 In particular, as illustrated by FIGS. 8 and 9, once the interconnection has been negotiated successfully between two BTSs, the two BTSs can proceed to the exchange of "identifier cards" of the UTA terminals that they maintain. In other words, a local BTS can transmit to a remote BTS, with which it is connected, the list of UTA terminals connected to the local BTS.

 In addition, since the BLDB localization database associated with a local BTS (or common to a plurality of BTSs) carries location information relating to at least one terminal connected to the local BTS or to at least one remote BTS, it is possible to exchange this location information, associated with the identifier of the terminals concerned, between the interconnected BTS.

Other information may also be exchanged, such as rules of invoicing, load thresholds (which can be expressed in maximum number of requests per second, for example), regulatory constraints specific to certain countries, etc.

 The exchange of these ID cards can be done at the initiative of a BTS or both.

In particular, in the case where a BTS implements a "brokering" service to select an intermediate BTS, the card exchange can be either bilateral (the BTS forwarder or "broker" exchanges the content of its cards with each of the BTS with which an interconnection agreement has been concluded), or multilateral, for example in the context of the service provided by a banking alliance responsible for the operation of the BTS "broker": in the latter case, the content of the cards maintained by the BTS forwarder or "broker" can be distributed to all BTS partners, members of the banking alliance, and with which interconnection agreements have been established (de facto).

 The exchange of terminal identifiers, and associated location information, can be solicited or not. It can also be regular or governed by an event such as the modification of the list of UTA identifiers (if a terminal connects or disconnects from the local BTS), tariff clauses, etc.

 FIG. 8 illustrates more precisely the sending of the identifiers of the terminals, and associated location information, according to the mode without solicitation. For example, the local BTS 82 sends to the remote BTS 81 a location message BL_SEND (BSID, NONCE, UTA Prefix List, ...). The remote BTS 81 can answer with an acceptance message ACK (BSID, NONCE, RESULT_CODE, ...).

 The arguments of the BL_SEND () message are for example:

 "BSID": the identifier of the local BTS 82 sending the message BL_SEND ();

 "NONCE": a key randomly generated by the local BTS 82 sending the message

BL_SEND ();

 "UTA Prefix List": a list of UTA terminal identifiers served by the local BTS 82 issuing the BL_SEND () message.

 After the BL_SEND () message received by the remote BTS 81, the BTS 81 retrieves the indicated location information, updates its BIDB 811 interconnect database with the location information, and then responds with an ACK () message. to inform the BTS 82 having sent the message BL_SEND () of the processing status of the message BL_SEND (). The arguments of the ACK () message are, for example:

 "BSID": the identifier of BTS 81 transmitting the message ACK ();

"NONCE": the key randomly generated by the BTS 82 having sent the message BL_SEND (), copied from the request BL_SEND (); "RESULT_CODE": the status of the request processing. The following values can be entered, for example:

 o "0": Success.

 o "1": Failed. If the request fails, a subtype can be used to specify the cause of the failed request. For example, the following values may be indicated:

^■ "0" or "Malformed": indicates that the location message BL_SEND () is not correctly formed,

^■ "1" or "Missing Mandatory Information": indicates that the BL_SEND () location message does not fill a mandatory field,

^■ "2" or "Invalid BSID": indicates that the BSID of the location message BL_SEND () is wrong,

^■ "3" or "Denied": indicates that the location message BL_SEND () can not be processed because the BTS 82 that issued the location message BL_SEND () is not allowed to send this message.

 Figure 9 illustrates the sending of the terminal identifiers, and associated location information, according to the mode with solicitation. For example, the local BTS 92, which wishes to receive (a copy of) the card of the identifiers of the UTA terminals connected to the remote BTS 91 expressly expresses this request to the BTS considered, by sending a message BL_RETRIEVE (BSID, NONCE, [Filters, ...]). Such a message BL_RETRIEVE () can be sent spontaneously (in case of modification of the list of UTA terminals for example) or at regular frequency.

 The arguments of the message BL_RETRIEVE () are for example:

 "BSID": the identifier of the local BTS 92 sending the message BL_RETRIEVE (),

 "NONCE": a key generated randomly by the local BTS 92 sending the message BL_RETRIEVE (),

and optionally:

 "Filters": one or more filters (eg UTA terminals whose identifier starts with +33) for selecting certain UTA terminal identifiers that the local BTS 92 wishes to retrieve.

Indeed, the remote BTS 91 need not provide the identifiers of all the UTA terminals attached to the remote BTS 91, but only those that correspond to the filters. In response, the remote BTS 91 returns the message BL_SEND () containing the identifiers of the selected terminals. In this case, the "NONCE" field of the BL_SEND () message is identical to that of the BL_RETRIEVE () message. The processing of the BL_SEND () message by the local BTS 92 is identical to that of the unsolicited mode.

 The location information received in a location message BL_SEND () can be saved in the location database BLDB (more precisely, in the interconnect database BIDB). Optionally, this location information may be augmented with the location information (eg IP address) of the remote BTS BIE interconnection entity to be contacted as well as those of the local BTS BIE interconnect entity. .

 An intermediate BTS may optionally send a list of default UTA terminal identifiers, noted for example (*), to signify that this BTS is able to process the transactions to any UTA terminal. As already indicated, such intermediate BTS can be requested to route a transaction between two BTS when a BTS does not have specific paths to reach the recipient BTS, ie. is not connected directly to the recipient BTS.

 According to a particular embodiment of the invention, a BTS can inform of a change in transfer costs, including bank commissions, one or more BTS with which it is connected (BTS "partners"). For this purpose, a period of validity of the tariff conditions may also be communicated. This information can be conveyed by the message BL_SEND ().

 It may also be noted that, according to at least one embodiment of the invention, two interconnected BTSs can exchange the balance sheets of transactions, periodically or at the request of a BTS. To do this, we use for example the messages BALANCE_SEND (), BALANCE_RETRIEVE () or ACK ():

the BALANCE_SEND message (BSID, Transfer_n, Transfer_0ut, [Start_Date, End_Date, Detailed_Logs, ...]) indicates for example the amount of the transactions received from the BTS receiving this message ("Transferjn") and that of the transactions issued by the issuing BTS of this message ("Transfer_Out"), as maintained by the BTS sending the message. The message may indicate, where appropriate, the balance sheet calculation period with for example a start date and an end date ("Start_Date", "End_Date"). the ACK message (STATUS_CODE, [Transfer_n, Transfer_Out, Start_Date, End_Date, Detailed_Logs, ...]) is used by a BTS to confirm to a BTS to which it is connected the reception of a message BALANCE_SEND ().

 For example, the STATUS_CODE parameter is set to "0" to indicate that the BTS issuing the ACK message confirms the accuracy of the balance sheet with its own transaction tracking files, or "1" to report an error in the balance sheet.

 In case of error detection, a detailed inventory ("Detailed_Logs") can be transmitted to the remote BTS (having sent the message BALANCE_SEND ()) to facilitate the verification operations. In this case, the remote BTS can retransmit another BALANCE_SEND () message after correction, trigger an escalation procedure, and so on.

 the message BALANCE_RETRIEVE (BSID, [Start_Date, End_Date, ...]) can be used to request a remote BTS to transmit the balance of operations for a specified period. The remote BTS can respond to the message BALANCE_RETRIEVE (BSID, [Start_Date, End_Date, ...]) with the message BALANCE_SEND ().

 F) Transaction Processing

 10 to 13 show examples of implementation of the transaction phase between a source terminal and a destination terminal according to at least one embodiment of the invention.

 As indicated above, the source terminal and the destination terminal can be connected to one and the same BTS, or to different BTSs. In the latter case, intermediate BTS can be used to route the transaction request from the source terminal to the destination terminal.

 FIG. 10 illustrates the example of a source terminal 101 and a destination terminal 102 connected to the same BTS 103. FIG. 11 illustrates the example of a source terminal 101 connected to a source BTS 103 and a recipient terminal 102 connected to a recipient BTS 104, the source and recipient BTS being directly connected. FIG. 12 illustrates the messages exchanged between the different entities for an inter-BTS transaction corresponding to the example of FIG. 11. FIG. 13 illustrates the example of a source terminal 101 connected to a source BTS 103 and a recipient terminal 102 connected to a recipient BTS 104, the source and destination BTS being connected via an intermediate BTS 105.

 The source terminal 101, identified by the identifier UTA_s, issues a TRANSFER () transaction request, bearing at least the UTA_d identifier of the destination terminal 102.

For example, the source terminal issues the TRANSFER request (UTA Identifier, Amount, [target_execution_date, ...]). The arguments for the request include, for example:

 "UTA Identifier": the identifier UTA_d of the destination terminal 102,

 "Amount": the amount of the transaction,

and optionally:

 "Currency": the currency or unit used for the transaction; indeed, the amount of a transaction may be, for example, expressed in foreign currency, or in number of units credited to a communication service account (telephony, traffic volume, etc.),

 "Target_execution_date": an execution date for a deferred transaction,

 "Tracking": information indicates whether the source issuer / terminal wishes to be informed of the status of the transaction (notified beneficiary, amount of money transferred, etc.). The BTA 1031 execution entity of the source BTS 103 receives the transaction request, and consults the location database BLDB 1032 (using, for example, a query "QUERY (UTA_d)"), to obtain a location information of the destination terminal (LOC_UTA_d).

 For example, if the source terminal 101 and the destination terminal 102 are connected to a same BTS, as illustrated in FIG. 10, the BTA execution entity 1031 more specifically consults the local database LLDB. If the source terminal 101 and the destination terminal 102 are not connected to a same BTS, as illustrated in FIGS. 11 to 13, the BTA execution entity 1031 more specifically consults the interconnection database BIDB, either in the same mode. "Generic", in "specific" mode.

 The identifier UTA_d of the destination terminal 102 can be used as a key in the location database BLDB 1032 to obtain location information LOC_UTA_d of the destination terminal.

 If no information is found in the BLDB location database 1032 for the UTA_d of the destination terminal 102, the BTA runtime 1031 sends a failure message to the source terminal 101, for example the FAILED response. (UTA Identifier, Amount, CAUSE, ...), to inform him of the failure of the operation. The CAUSE field can be used to inform the reason for the failure of the transaction request, for example:

 "0" or "Administratively Prohibited": indicates that the request has been refused for administrative reasons;

 "1" or "Maximum Exceeded": indicates that a maximum transfer amount has been reached;

"2" or "Not Found": indicates that the receiving terminal is not known; etc.

 If a location information LOC_UTA_d of the destination terminal is found in the location database BLDB 1032 for the identifier UTA_d of the destination terminal 102, the execution entity BTA 1031 uses the location information LOC_UTA_d to determine the connected BTS. to the destination terminal. For example, the BTA execution entity 1031 retrieves the identifier of the BTS to be contacted, as well as the address of the interconnection entity BIE to be contacted if the source BTS is not the recipient BTS, for example in a message "REPLY (BSID)".

 According to the example illustrated in FIG. 10, since the source terminals 101 and destination terminals 102 are connected to the same BTS, the BTS transmits (35) the transaction request to the destination terminal. The execution entity BTA 1031 is therefore responsible for relaying the transaction request to the destination terminal by using the LOC_UTA_d location information obtained from the LLDB database. Execution entity BTA 1031 may also be responsible for relaying the confirmation of completeness (or eventual failure) of the transaction to the destination terminal. For example, the confirmation message of the transaction can be an SMS, a voice message, a QR code available on a customer area, etc.

 According to the examples illustrated in FIGS. 11 to 13, since the source terminals 101 and destination terminals 102 are not connected to the same BTS, the transaction request is relayed to the interconnection entity 1033 of the local BTS 103, which then relays it to BIE interconnect entity 1043 of the destination BTS 104 (FIGS. 11 and 12) or the BIE interconnection entity 1053 of an intermediate BTS 105 (FIG. 13).

 It is noted that the message TRANSFER () thus relayed can be accompanied by other information, for example parameters of type:

 "TRANSACTIONJDENTIFIER": used to identify a request, especially in the case of "forking" ("branching"), when several paths are possible,

 "SECURITY_TOKEN": security identifier,

 "Target BTID": identifier of the remote BTS to which the message TRANSFER () is to be routed,

 etc.

which can be added in the TRANSFER () message.

According to the example illustrated in FIGS. 11 and 12, the transaction request is relayed from the BTA execution entity 1031 to the BIE interconnection entity 1033 of the local BTS 103, in the form of the TRANSFER message comprising, for example, the ID parameters (identifier of the destination BTS), UTA_s (identifier of the source terminal), UTA_d (identifier of the destination terminal) and BSID (source BTS identifier 103). After consulting the mapping table of the BIE interconnect entity 1033 of the local BTS 103, the transaction request is relayed from the BIE interconnect entity 1033 to the BIE interconnect entity 1043 of the destination BTS 104 under the form of the TRANSFER message comprising, for example, the parameters ID (identifier of the destination BTS), UTA_s (identifier of the source terminal), UTA_d (identifier of the destination terminal) and BSID (identifier of the source BTS 103).

 Once the TRANSFER message received by the BIE interconnect entity 1043 of the destination BTS 104, the BIE interconnect entity 1043 relays the TRANSFER message to the BTA delivery entity 1041 of the destination BTS 104, for example under the form of the TRANSFER message comprising, for example, the parameters ID (identifier of the destination BTS), UTA_s (identifier of the source terminal), UTA_d (identifier of the destination terminal), etc.). Receiving BTS delivery entity BTA 1041 104 conducts local checks at recipient BTS 104, and in particular consults the destination BTS's BLDB 1042 locating database 104 to retrieve the location information associated with the destination terminal 102. Execution entity BTA 1041 relays the transaction request to the destination terminal 102 to inform it of the transaction, in the form of the TRANSFER message comprising, for example, the parameter UTA_s (identifier of the source terminal), etc.

 According to the example illustrated in FIG. 13, once the TRANSFER message received by the BIE 1053 interconnect entity of the intermediate BTS 105, the BIE interconnection entity 1043 relays the TRANSFER message to the BTA 1051 execution entity. intermediate BTS 105, which relays it to the BIE 1054 interconnect entity of the intermediate BTS 105, which then relays it to the BIE interconnect entity 1043 of the destination BTS 104. The BIE interconnect entity 1043 relays the TRANSFER message to the destination BTS 1041 BTA 104 which performs local checks at the destination BTS 104, and then transmits the message to the destination terminal 102 to inform it of the transaction.

 A confirmation message CONFIRMED () can be sent to the destination terminal and to the different entities (execution or interconnection) that have transmitted the TRANSFER message. The confirmation can be relayed to the source terminal 101.

 Note that another order can be used to relay messages between different entities.

If several paths are possible between the source BTS 103 and the destination BTS 104, the BTS execution entity of the source BTS (or of an intermediate BTS) can choose the best remote BTS (in terms of commission charges). to optimize transfer costs. The transaction request TRANSFER () can therefore be sent to several intermediate BTS so as to select at least one intermediate BTS by respecting at least one predetermined selection criterion. Such intermediate BTS can be located in different countries.

 For example, a current BTS implements at least one iteration of the following steps to identify a next BTS, the first current BTS being the source BTS and the last following BTS being the recipient BTS:

 obtaining location information from at least one BIE interconnection entity for connecting a current BTS with a next BTS,

 transmission, to at least one next BTS identified by the interconnection entity BIE, of the transaction request.

 A fund transfer request can also be broken down into several TRANSFER () requests sent to different intermediate BTS, but whose total amount of all the requests is equal to the sum to be transferred to the destination terminal. In this case, the TRANSACTIONJDENTIFIER field may be used to correlate the different transaction requests received by the BTA delivery entity 1041 of the destination BTS 104.

 In a particular embodiment, a terminal UTA comprises a memory storing at least one identifier of at least one BTS. Such a terminal can therefore be configured with a list of BTS. Thus, the same transaction request can be transmitted to several BTS attached to the terminal UTA. The UTA terminal can confirm the transaction via one of these BTS (source BTS) according to one or more selection criteria (for example the BTS offering the minimum transfer fee). The negotiation procedure between the terminal UTA and the BTS according to this embodiment can use the same primitives as those invoked between two BTS.

 In the examples of FIGS. 10 to 13, a BTS with a single executing entity BTA has been considered. Of course, according to another embodiment, several BTA entities can be implemented.

 In this case, obtaining destination location information of the destination terminal implements at least one iteration of obtaining, by a current execution entity of the BTS (current BTA), a location information from least one next BTS (next BTA) execution entity, from the location database BLDB and at least one identifier of the destination terminal. The last execution entity delivers the location information of the destination terminal.

For example, as illustrated in FIG. 14, several BTA runtime entities 14311, 14312, can be solicited for processing a transaction. The localization database BLDB 1432 for example comprises several local databases LLDB 14321, 14322, ..., which can be activated within a BTS, each attached to an execution entity BTA. In this example, the source terminal sends a transaction request to the destination terminal carrying an identifier of the destination terminal. The request is then received by a first entity BTA 14311 (BTA_o, "Originating BTA") which requests the location database 1432, and more specifically the local database 14321 attached to the first entity BTA 14311 to retrieve the information destination terminal location. In this case, the local database 14321 returns the address of a second entity BTA 14312 (BTA_t "Terminating BTA") as location information for at least one next execution entity. The first entity BTA 14311 (BTA_o) can thus route the transaction request to the second entity BTA 14312 (BTA_t), and so on.

 Finally, in connection with FIG. 15, an example of implementation of the invention is presented in the case of roaming of the beneficiary of the transaction. In this example, the destination terminal 152, identified by UTA_d, is not connected to the BTS H 153 attached to its home mobile network (PLMN HOME 154), but to the BTS V 155 attached to a visited network (PLMN VISITED 156). . When the TRANSFER () transaction request is received by a BTS H 153 BTA, it requests the BLDB location database 1532 to retrieve the location information associated with the destination terminal 152. The BLBD database 1532 indicates that the user of the destination terminal 152 (identified by an MSIDN number, in this example) is roaming and searches for the BTS V 155 associated with the visited network. It should be noted that, in a particular embodiment, this information can be prepared in advance by correlating the BLDB location databases with the roaming data, be prepared at the time of a transaction, be the object of the one of the services provided by a BTS "broker", etc.

 The identifier of at least one BTS serving the visited network is then returned by the location database BLBD 1532. The transaction request can thus be transmitted to the BTS V 155 of the visited network. After local checks (if any), the transaction can be notified to the destination terminal 152. The beneficiary can then dispose of the amount of the transaction, regardless of its location.

 G) Finalization of the transaction

The issuer of the transaction may choose to deduct the transaction amount from his phone balance (eg balance for prepaid customers) or to include this amount in the bill telecommunications services (typically for post-paid customers). Traditional means of payment (eg automatic debiting) can, of course, also be used.

 The beneficiary of the transaction can, meanwhile, receive the amount of the transaction in an agency or a bank account. The transaction amount may also be converted into a telecommunication service credit, and used to pay telecommunications bills or other services selected by the recipient.

 5.3 Structures

 Finally, in connection with FIG. 16, the simplified structure of a BTS banking system according to one of the embodiments described above is presented.

 Such a BTS comprises a memory 161 comprising a buffer memory, a processing unit 162, equipped, for example, with a programmable calculation machine or a dedicated calculation machine, for example a processor P, and driven by the programming program. computer 163, implementing the method of processing a transaction according to one embodiment of the invention.

 At initialization, the code instructions of the computer program 163 are for example loaded into a RAM memory before being executed by the processor of the processing unit 162.

 The processor of the processing unit 162 implements the steps of the method of processing a transaction described above, according to the instructions of the computer program 163, to route a transaction request from a source terminal to a destination terminal. .

 According to a particular embodiment, the processor of the processing unit 162 activates at least one instance of a BTA execution entity and / or at least one instance of a BIE interconnection entity and / or at least one an instance of a BLDB location database for routing a transaction request from a source terminal to a destination terminal.

Claims

 A method of processing a transaction between a source terminal (11) and a destination terminal (12),

characterized in that it implements a transaction phase comprising:

 receiving (31), by a banking system, said source BTS, connected to the source terminal, a transaction request from the source terminal, said request carrying at least one identifier of said destination terminal and a transaction amount,

 obtaining (32), by the source BTS, destination location information from the destination terminal, from at least one location database, denoted BLDB, and said destination terminal identifier,

 the determination (33), by the source BTS, of at least one banking system, said destination BTS, connected to the destination terminal, from said location information of the destination terminal,

 if the source BTS is not the recipient BTS, at least one iteration of the following steps, implemented as long as the transaction request did not reach the recipient BTS:

 o selection (341) of an intermediary banking system, said intermediary BTS, taking into account at least one selection criterion, o transmission (342) to said intermediate BTS of said transaction request; the transmission (35) to said recipient terminal, by the destination BTS, of said request or information relating to said transaction.

 2. Treatment method according to claim 1, characterized in that said selection criterion belongs to the group comprising:

 a minimum transfer cost;

 a minimum intermediate BTS number;

 a minimum distance between two BTS.

3. Treatment method according to any one of claims 1 and 2, characterized in that obtaining a location information of the destination terminal implements at least one iteration of obtaining, by a current executing entity the source BTS, location information of at least one subsequent execution entity of the source BTS, from the location database BLDB and said at least one identifier of said destination terminal, and that the last executing entity delivers the location information of the recipient terminal.

 4. Processing method according to any one of claims 1 to 3, characterized in that it comprises a preliminary phase of initialization of at least one banking system, said local BTS, comprising:

 constructing or updating said at least one location database (BLDB), said location database (BLDB) comprising:

 a local database (LLDB), comprising location information relating to at least one terminal connected to the local BTS, identified by an identifier,

 an interconnection database (BIDB), comprising location information relating to at least one terminal connected to at least one remote BTS, the configuration of at least one local BTS execution entity with at least one information locating said location database (BLDB).

 5. Processing method according to claim 4, characterized in that it also comprises a discovery phase of at least one remote BTS, including sending by the local BTS, in at least one communication network to which is connected the Local BTS, a discovery message indicating the local BTS's ability to process transactions (BTS_CAPABLE).

 6. Processing method according to any one of claims 4 and 5, characterized in that it comprises a local BTS interconnection phase with at least one remote BTS comprising:

 obtaining, by the remote BTS, location information from at least one interconnection entity (BIE) for interconnecting the local BTS with the remote BTS, sending, by the remote BTS, an interconnect request message (BTS-INTERCONNECT) to said interconnect entity located by said location information.

 7. Treatment method according to any one of claims 4 to 6, characterized in that it comprises a location information exchange phase, comprising:

 the transmission, by the local BTS, to at least one remote BTS, of a location message (BL_SEND) carrying at least one identifier of a terminal connected to the local BTS associated with at least one location information of this terminal,

 updating the interconnect database (BIDB) associated with the remote BTS upon reception by the remote BTS of the location message.

8. Treatment process according to any one of claims 1 to 7, characterized in that said transaction request also carries at least one information belonging to the group comprising:

 a currency or unit for the transaction,

 a date of execution of the transaction,

 an indicator indicating whether the source terminal wishes to be informed of the status of the transaction,

 an identifier of the transaction,

 a security identifier, and

 an identifier of a remote BTS through which transits said transaction request.

 9. A banking system for processing a transaction between a source terminal and a destination terminal,

comprising at least one programmable calculating machine or a dedicated calculating machine configured to:

 receive and / or transmit a transaction request, said request carrying at least one identifier of said destination terminal and a transaction amount,

 obtaining destination location information from the destination terminal, from at least one location database, denoted BLDB, and from said destination terminal identifier, determining at least one banking system, said destination BTS, connected to the destination terminal, from said location information of the destination terminal,

 select at least one intermediary banking system, said intermediate BTS, taking into account at least one selection criterion.

 Terminal used for processing a transaction, comprising at least one programmable computing machine or a dedicated computing machine configured to:

issue at least one transaction request, said request carrying at least one identifier of a destination terminal of the transaction and a transaction amount.

 11. Terminal according to claim 10, characterized in that it comprises a memory storing at least one identifier of at least one banking system, and means for selecting one of said banking systems, said BTS source , taking into account at least one selection criterion.

 12. Terminal according to any one of claims 10 and 11, comprising at least one programmable computing machine or a dedicated computing machine configured to receive said transaction request or information relating to said transaction.