FR2624679A1 - Electronic payment system - Google Patents

Abstract

Electronic payment terminals 3 are connected to means 1 of processing and billing by way of telecommunications means 2. The telecommunications means 2 are configured to allow any telephone communication and payment therefor from public telephone apparatuses 3 linked to the said telecommunications means 2. The system of the invention applies to the electronic payment for any goods or services.

Description

 The present invention relates to an electronic payment system comprising at least one electronic payment terminal connected to processing and billing means by means of telecommunications means.

 Such a system allows, for example, the payment, using a bank card, of an invoice relating to a purchase made in a store, or even an invoice relating to a time of parking in a parking lot . In the latter case, the payment terminal orders, when the financial transaction has been carried out, the opening of the exit barrier from the car park, or the issuance of a ticket which will allow the control of this barrier, if it is remote from the payment terminal. Thus, and generally, by electronic payment terminal is meant any terminal arranged to allow a person to carry out a transaction of the financial type, most often using a card, this transaction possibly being followed, for example, either by an exit authorization, as in the case of a car park or a motorway, or by an authorization to access a place, as in the case of a sluggish pool or club , or an authorization to access a service, such as a remote reservation or a messaging service, or even the manual or automatic issuance of banknotes, or the object purchased by the transaction.

 In known payment systems with bank cards, each payment terminal, which comprises for example a keyboard, a display and a device allowing the transfer of data between the terminal and the card, is connected, via the network. dial-up telephone, to a single processing and billing center. The payment terminal also includes a memory for storing opposition and authorization lists, and financial information relating to the transactions. In normal operation, no communication is established between the terminal and the processing and billing center. Also, when a transaction is to be carried out, the terminal reads the bank card, identifies the card holder, for example by comparison the code number that the latter dialed using the keyboard and the code number on the card, and authorizes the transaction if the cardholder has been identified and if the card is not on an opposition list, for example. The transaction then takes place, and the financial information relating to it, such as the amount of the debit and the number of the bank account to be debited, are stored in the memory of the terminal.

Periodically, and generally overnight, telephone communication is established between the terminal and the processing and billing center. This communication makes it possible to empty the memory of the terminal, that is to say to transfer the financial information relating to the transactions to the processing and billing center.

This communication also allows the updating, by this center, of the terminal's opposition and authorization lists.

The processing and billing center sorts the financial information from the terminals, passes on the corresponding invoices to the different accounts of the different banks, and maintains the opposition and authorization lists. Optionally, a telephone call between the center and the terminal can be established in "real time", that is to say to authorize a particular transaction, for example if it is of a particularly large amount.

 In addition, a network of public payment card telephone apparatus is also known, comprising on the one hand the apparatuses known under the name of "payphones", but also their equivalents such as the apparatuses known under the name of "publifax" and "publivideotex", for example. A payphone includes, in addition to the traditional handset allowing telephone communication, a keyboard, a display and a device allowing data transfer between the payphone and the card. A publifax, or a publivideotex includes the same elements, - the traditional handset being replaced or supplemented by a fax machine or a data transmission terminal of the Minitel type ". Each public telephone or equivalent is connected, via a line telephone, to an electronic and computer unit, located in a telephone exchange, and which includes a memory for storing opposition and authorization lists and financial information relating to communications.Each unit, to which several payphones or equivalent, is connected, via the switched telephone network, to a local center which collects, temporarily stores and transmits data.Each local center, to which several units are connected, is connected, via a transmission network of data, par.

example packet-switched, to a single processing and billing center. When a user wishes to establish a communication via a payphone, for example, he inserts his card into the payphone, which reads it.

The unit to which the public phone is connected identifies the card and the user, and authorizes communication if the card is not on an opposition list. During the communication, the basic charges are counted by the public phone, and, at the end of the communication, the financial information concerning it, such as the total number of basic charges and the number of the account to be debited, are stored in the unit. . Periodically, and generally every twenty minutes, a telephone call is established between the unit and its local center, to clear this unit of financial information relating to communications made using all the public payphones connected to the unit, and to update the opposition and authorization lists. Financial information is transmitted to the processing and billing center by the local center, via the packet-switched data transmission network.

 With these known systems, for a site equipped with a number of electronic payment terminals and a number of payphones, such as a shopping center, a station, an airport, a post office or a hotel, for example, therefore, on each electronic payment terminal, and on the unit to which the payphones are connected, a memory for storing opposition and authorization lists and financial information is provided. This generally leads to a relatively large number large of these memories which, insofar as each of the payment terminals and each of the payphones is not used permanently, are not used to the maximum of their possibilities. The same applies to a certain number of other circuits, and this therefore results in poor return on investment.

 The present invention aims to overcome this drawback.

 To this end, it relates to a payment system of the type defined above, characterized in that it also comprises at least one public telephone apparatus and that said telecommunications means are arranged to allow any telephone communication and its payment from said public telephone device.

 With the system of the invention, the multiplication of memories for storing opposition and authorization lists and of financial information is avoided by using the same memory for a set of payphones and electronic payment terminals. The structure of the electronic payment terminals of the system of the invention is simplified compared to the structure of those of a system of the prior art, since they do not in particular contain storage memory. that these electronic payment terminals become * "passive". Likewise, the known systems, which are currently connected to the telecommunications network to manage the alarms and the maintenance of public payphones, and to modify, remotely, the programming, can also be used for the electronic payment terminals of the payment system. the invention.

In one embodiment, said telecommunications means comprise - at least one multiplexing circuit connected to said terminal
electronic payment and audit public device of
telephone, - at least one telephone line connected to said circuit
multiplexing, - the first electronic and computer means connected
to said telephone line, to authorize transac
tions to be performed with said electro payment terminal
nique, to authorize, by switching of said line
telephone over a telephone network, communications
telephone to be established from said public telephone
phone, and to temporarily store information
relating to said transactions and said
communications, and, - means for transmitting said financial information
cers to said processing and invoicing means, and
authorization and opposition lists from
from said processing and invoicing means to said
first electronic and computer means.

 In this case, the payment system of the invention uses the existing telecommunications networks currently, and it has the additional advantage of reducing the number of telephone lines between a site, equipped with electronic payment terminals and payphones, and the telephone exchange on which it depends, since, thanks to the multiplexing circuit, a single telephone line makes it possible to connect a payment terminal and a payphone, whereas with the systems of the prior art, two separate telephone lines must be used.

In another embodiment, said telecommunications means comprise - at least one multiplexing circuit, connected to said termi
nal of electronic payment and audit public device of
telephone, - at least one digital transmission line, connected to said
multiplexing circuit, and arranged to flow simultaneously
at least the signals from said payment terminal
electronics and the signals of said public device from
telephone, and - a digital telephone network, to which said telephone are connected
digital transmission line and said processing means
and invoicing.

The present invention will be better understood from the following description of two embodiments, and their variants, of the payment system of the invention, made with reference to the accompanying drawings, in which, - Figure l shows a diagram by blocks of the system of the invention, - Figure 2 shows, in more detail, a pre
first embodiment of the telecommunications system
between the terminals and the processing center and fac
turation of the system of Figure 1, - Figure 3 shows, in more detail, a
Figure system authorization and storage unit
2, and the multiplexing circuits to which it is
associated, - Figure 4 shows a variant of the unit and
multiplexing circuits of Figure 4, and - Figure 5 shows a second embodiment
of the telecommunications system between the terminals and
the processing and billing center of the
Figure 1.

 In Figure 1, there is shown an electronic payment system comprising payment terminals each designated by the reference 3, spread for example throughout the territory of a nation, and connected to a single processing and billing center , designated by reference 1, via a telecommunications system, designated by reference 2.

 The terminals 3 are of the known type here each comprising a keyboard, a display and a device allowing the transfer of data with a payment card which is provided to each user of the system. In known manner, they allow this user, after a possible identification procedure, to carry out a transaction to settle the amount of a purchase, an entry or exit fee, or even a service. The identification procedure most often comprises the dialing, by the user, and using the keyboard, of a code number which is personal to him, and the comparison, in the system, of this number with a number stored in the card. If the financial transaction is authorized, it results in the transfer of financial information relating to the amount of the amount to be debited, and to the number of the account to be debited, at center 1 which processes this data and passes on the invoices. correspondents on the various organizations and banks issuing cards. Naturally, in the case where the terminal 3 is not under the dependence of a person such as a seller, an operator or a cashier, and is intended, in fact, to replace this person, he generally orders a device such as a barrier, a vending machine, or the like, arranged to deliver to the user the good or service for which he has paid, or will pay.

 The electronic payment system of the invention also comprises public telephones with payment cards, here and for example 11 "card payphones, each designated by the reference 4. It will be noted that each payphone 4 can be considered as a Electronic payment terminal of a somewhat special type, which controls a device for connecting the user of the public phone on the national telephone network, in order to allow him to establish any telephone communication.

 In the figures, the reference 12 designates the connection between the center 1 and the system 2, the references 32 the connections between the system 2 and the terminals 3, and the references 42 the connections between the system 2 and the payphones 4.

 FIG. 2 represents, in more detail, a first embodiment of the system 2.

 This system 2 comprises several multiplexing circuits 25, each connected to a connection 32, to a connection 42 and to a telephone line 245. Here, each circuit 25 is a simple two-position switch making it possible to connect the telephone line 245 to which it is connected either to terminal 3 to which it is connected by connection 32, or to the public phone a to which it is connected by connection 42.

 Each telephone line 245 is connected to an electronic and computer unit 24.

 It will be noted that each multiplexer 25 is arranged as close as possible to the terminal 3 and to the public phone 4 to which it is connected, that is to say on the site where this terminal 3 and this public phone 4 are located.

 It will also be noted that each unit 24 is, on the other hand, placed in the telephone exchange on which the above installation site depends. In general, several telephone lines like line 245 are connected to a same unit 24.

 Each unit 24 is here connected to the national switched telephone network, designated by the reference 23, through connections 243. Each connection 243 allows a telephone communication to flow and the number of connections 243 is equal to the number of lines 245 increased here by at least one unit, as will be better understood later.

 Local centers 22, comprising electronic and computer circuits, are connected to the national switched telephone network 23. As will be better understood below, each local center collects, stores and transmits data from several units 24, and it is substantially provided a local center 22 for each medium-sized city.

 Each local center 22 is connected to a national data transmission network 21, for example here the well-known packet-switched network, to which the center 1 is moreover connected via the connection 12.

 Before describing, in more detail, the local centers 22 and the units 24, and in order to facilitate understanding of the role of these circuits, the operation of the system whose structure has just been described is now discussed.

 It is first of all assumed that a user wishes to establish a telephone call using a payphone 4.

 I1 then acts on the switch 25 connected to the public phone 4, and disposed on the site of implantation of this one, so that the public phone 4 is connected, via a telephone line 245 to a unit 24. L user then picks up the handset and introduces his payment card into the public phone 4. In known manner, picking up the handset causes the public phone 4 to send a signal of a certain duration and frequency here equal to 4800 Hz. This signal is detected by the unit 24, which, in response, then exchanges data with the payphone 4, and in particular with the transfer device of the latter, in which the payment card of the In particular, the unit 24 identifies the payment card and the user, compares the identification number with opposition and authorization lists stored in a memory with which it is provided, and authorizes, or not, communication from the payphone 4. In the event of non-authorization, unit 24 sends, to tination of the payphone display, an invitation message to hang up.

In the event of authorization, the unit 24 sends an invitation message to dial, and immediately orders the connection of the public phone 4 to the switched telephone network 23 by connecting a connection 243 to the line 245 connected to the public phone 4.

 During communication, the unit 24 is therefore "transparent", that is to say which behaves like a short circuit between the line 245 and the connection 243 which corresponds to it. During communication, the public phone 4 counts, in a known manner, the number of basic cups.

 When the communication is finished, the user hangs up the handset, which results in the emission of a signal with a frequency equal to 4800 HZ, identical to that emitted during the off-hook. The unit 24 detects this signal, and, in response, exchanges data with the public phone 4, in order to collect financial information relating to the communication which has just taken place. This financial information mainly includes the total number of basic charges for the communication, ie the amount to be debited, as well as the number of the account to be debited. The unit 24 temporarily stores this financial information in the memory with which it is provided, and frees the telephone line 245.

 I1 is now assumed that a user wishes to carry out a transaction using a terminal 3. I1 then acts on the switch 25 connected to the terminal 3 so that the latter is connected, via a line telephone 245, to a unit 24. The user then requests a transaction by pressing, for example, an appropriate key on the keyboard of terminal 3 and inserts his payment card therein. The terminal 3 is arranged so that the transaction request results in the emission of a signal of frequency equal to 4800 HZ, identical to the signal emitted by a payphone 4.

Unit 24, in response to this signal, exchanges data with line 245, in particular to identify the payment card and the user, but, after consulting the opposition and authorization lists, authorizes or not , the transaction to be carried out with terminal 3, as, previously, it authorized, or not, communication from public phone 4.

 During the transaction itself, unit 24 does not intervene.

 When the transaction is complete, the user then requests the end of the transaction, for example by pressing an appropriate key on the keyboard of the terminal 3. This results in the emission of the signal of frequency equal to 4800 HZ. The unit 24 detects this signal, and in response, exchanges data with the terminal 3, in order to temporarily store the financial information relating to the transaction which has just taken place, that is to say the amount to be debited. and the number of the account to be debited.

 As several terminals 3 and payphones 4 are connected to a unit 24, the memory of the latter is likely to fill up fairly quickly. Also, by telephone communication through the switched network 23, a local center 22 is placed periodically in communication with each unit 24, which allows the collection, by this local center 222 of the previous financial data, read in the memory of the unit 24, as well as their storage in the memory which is provided with the local center 22, in order to empty the memory of the unit 24. Each communication between a unit 24 and a local center 22 also makes it possible to update the opposition lists and authorization stored in the memory of the unit 24.

 Furthermore, and here through the packet-switched network 21, the processing and billing center 1 is in communication with the local centers 22, in order to read, from the memories of the local centers 22, the financial information which are registered there, and in order to register the updated opposition and authorization lists.

 Thus, the network 21, the local centers 22, and the network 23 allow the transmission, to the center 1, of financial information relating to transactions and communications, and the transmission to the units 24, of the opposition and authorization lists.

 Likewise, each local center 22 collects, temporarily stores, and transmits, on the one hand, the financial information relating to the transactions and communications from the units 24 to the center 1, and on the other hand the opposition and authorization from the center 1 to the units 24. The design of a local center 222 which acts as an interface between the packet-switched network 21 and the switched telephone network 23 is obviously within the reach of skilled in the art and will therefore not be described further.

 Referring now to Figure 3, a unit 24 is now described. -The number of telephone lines 245 connected to this unit being equal to N, it comprises N detection circuits 246, N switches 244, N supply circuit 249, a multiplexer 247, a modulation-demodulation circuit, or modem 248, a circuit 242, and a memory 241.

 Each telephone line 245 crosses one of the N detection circuits 246, and terminates in one of the N switches 244, which connects it either to one of the connections 243 or to one of the first accesses with which the multiplexer 247 is provided.

 Each detection circuit 246 is arranged to detect the presence, on the line 245 which crosses it, of the frequency signal 4800 HZ which has been mentioned, and which will be called modem request signal, as will be better understood below. . Each detection circuit is provided with a detection output delivering a binary signal to the processing circuit 242.

 Each switch 244 is controllable, and provided with a control input receiving a binary control signal from the processing circuit 242.

 Each supply circuit 249 is designed to behave more or less like a current source with a value here equal to a few tens of milliamps, and is connected to one of the N first accesses of the multiplexer 247.

 The multiplexer 247 is provided with a single second port connected to the modem 248, and with a control input receiving a control signal from the processing circuit 242.

 The processing circuit 242 is also connected to the modem 248 and to the memory 241. The processing circuit 242 is, for example, a microprocessor circuit.

 The memory 241. is, moreover, connected by a connection 243, to the switched telephone network 23. Thus, since N connections 243 are already connected to the N switches 244, there are therefore, here, N + 1 connections 243.

 The unit 24 which has just been described operates as follows. As has been explained, a frequency signal 4800 HZ is emitted on a line 245 before a communication, or a transaction, carried out from the payphone 4, or the terminal 3, respectively, which is connected to this line 245. This signal is detected by the circuit 246 disposed on this line 245, and, in response to the corresponding binary detection signal, the processing circuit 242 controls the switch 244 connected to the line 245, as well as the multiplexer 247, so that the telephone line 245 is connected to the 248 modem. The processing circuit can therefore exchange data with the public phone 4 or terminal 3, and in particular, by comparing the identification number of the payment card with the numbers contained in the lists of opposition and authorization stored, as will be explained below, in the memory 241, authorize or not the communication, or the transaction. In the event of authorization, the processing circuit 242, after having sent a message to the public phone 3 or to terminal 4, commands the multiplexer 247 to release the modem, and, in the case where the object of the authorization is a communication telephone, controls the switch 244 to connect the telephone line 245 to the network 23 via a connection 243. The user of the public phone 3 can then dial the number he wishes to call, and make his communication. authorization is a financial transaction, switch 244 need not be controlled, if this transaction only implements terminal 4.

 During the communication or the transaction, the modem 248 is released to allow a possible exchange of data with another payphone 3 or another terminal 4.

 When the communication is finished, or the transaction, a 48oxo HZ frequency signal is sent. As before, the detection circuit 246 detects this signal and the circuit 242 controls the switch 244 and the multiplexer 247 to exchange data with the public phone 4, - or with the terminal 3. This time, the data concerns the financial information relating to communication or transaction, and they are temporarily stored in memory 241. When this operation is finished, the modem 248 and the processing circuit 242 are released to allow other data exchanges with each of the payphones 4 or terminals 3.

 Thus, a 4800 HZ frequency signal being always followed by a connection of the modem 248 to the line 245 on which this 4800 HZ frequency signal is sent, it can be said that this signal is a modem request signal.

 When a line 245 is idle, the switch 244 associated with it is in the position where the supply circuit 249 can transfer electrical energy to the payphone 4 or to the terminal 3 connected to the line 245. This is particularly useful in the event that no source of electrical energy is available on the site, where the rest periods are used to charge the buffer batteries provided on each public phone 4 or terminal 3.

 It will be noted that, during periodic telephone communications between a local center 22 and a unit 24, established via the switched telephone network 23, the center 22 is in contact with the unit 24 via the connection 243 linked to memory 241. Indeed, the main purpose of these communications is to record updated opposition and authorization liates in memory 241 and to read financial information relating to communications and transactions.

 FIG. 4 represents a unit 24 ′ and multiplexing circuits 25 ′ which are variants of the unit 24 and the multiplexing circuits 25 ′, respectively, of FIG. 3.

Indeed, in the case of FIG. 3 where the multiplexing circuits 25 are simple switches, it is not possible to simultaneously use the terminal 3 and the public phone 4 connected to the same multiplexing circuit 25. The variant in Figure 4 avoids this drawback. To this end, there are provided, at each end of the line, 245 multiplexing circuits 25 ′ arranged to carry out a frequency transposition either of the signals PE of the terminal 3, or of the signals PU of the public phone 4. For example, the circuits of multiplexing 25 ′ are arranged to leave the signals PU in baseband, while the signals PE are transposed around a carrier at 15 kHz for example.

Then, the PE and PU signals can, thanks to this frequency multiplexing, be transmitted simultaneously on the line 245, being multiplexed and demultiplexed in the circuits 25 '.

The simultaneous operations of terminal 3 and payphone 4 are therefore possible.

 Note that, in the case of Figure 4, a payment terminal 3 is systematically connected to the first channel from the top, in the figure. This simplifies this way, by removing the routing circuit 244 and the corresponding connection 243, as shown in the figure, where the corresponding supply circuit 249 has also been removed, which supposes that the payment terminal 3 in question is provided with its own electrical energy supply circuit. I1 can obviously be so for all channels which we are sure will be systematically connected to a payment terminal.

 Referring to Figure 5, a telecommunications system 2 ', which represents a second embodiment of the telecommunications system 2 of Figure 1, is now described.

 The telecommunications system 2 ′ mainly comprises a digital telephone network 26. The digital telephone network in question here is the network known by the name of "Digital Network with Integration of Services (R.N.I.S.)". This network includes digital transmission lines 267, each connected to a digital multiplexing circuit 27 which terminates them. Each multiplexing circuit 27 is here connected to a terminal 3 'for electronic payment and to two payphones 4'. The terminals 3 'and the payphones 4' are digital devices here, and each line 267 is arranged to simultaneously transmit the signals of a terminal 3 'and the signals of a payphone 4'.

 A single processing center 1 ′ and 4th billing is connected by a line 12 ′ to the digital telephone network 26.

The center 1 ′ performs on the one hand the tasks carried out by the center 1 in FIG. 1, and, moreover, those carried out by the unit 24 in FIG. 2, namely the authorization of transactions and communications by comparison with opposition and authorization lists, as well as the storage of financial information relating to transactions and communications.

 This is made possible by the high speed of transmissions on the R.N.I.S.

 Naturally, the telecommunications system 2 ′ may include, in order to be compatible with payphones 4 and terminals 3 of analog type, units such as the unit 24 ′, the role of which is identical to that of the units 24 already described. The structure of a unit 24 ′ is that of a unit 24, modified, obviously for those skilled in the art, in order to be able to be connected, on the one hand, to the network 26 via lines 267 and, on the other hand, to analog terminals and payphones such as 3 and 4 via multiplexing circuits such as circuit 25, for example.

 Obviously, the 1 'center is not directly connected to the R.N.I.S. 26, as in FIG. 3, and the center 1 ′ can be connected to this network 26 via a network such as the network 21, with packet switching.

 Naturally, the known systems which are currently connected to public telephones via the switched telephone network for managing the alarms and maintenance thereof, as well as for modifying the programming thereof remotely, can be provided in the system of the invention. , and, in addition, they manage the alarms and maintenance of electronic payment terminals, and can modify their programming remotely.

 Naturally, even if, in the foregoing description, we have taken, for the sake of simplicity, the public telephone as a typical example of a public telephone apparatus, it is also necessary to understand, in public telephone apparatus, the equivalents of public telephones including , for example, publifax and publivideotex, which are identical to payphones, except that the traditional handset is replaced, or supplemented, by a fax machine or by a Minitel type data transmission terminal.

 It is possible to replace, in the systems which have just been described, one or more public telephones by one or more ordinary telephones.

 Similarly, note the simplification resulting, for the user, from the system of the invention, since this system allows the payment of a very wide range of goods or services using a single payment card.

 However, it should be noted that the implementation of a payment card in the terminals and payphones that have been discussed, if it turns out to be extremely convenient and widely used at present, is obviously not essential in the system of the invention.

Claims (9)

Claims  1 - Electronic payment system comprising at least one electronic payment terminal (3; 3t) connected to processing and billing means (1; 1 ') by means of telecommunications means (2; 2')., Characterized by the fact that it also comprises at least one public telephone device (4; 4 ') and that said telecommunications means (2; 2') are arranged to allow any telephone communication and its payment by said public telephone device (4 ; 4 ').  2 - System according to claim 1, wherein said telecommunications means (2) comprise - at least one multiplexing circuit (25; 25 ') connected to said  electronic payment terminal (3) and said device  public telephone (4), - at least one telephone line (245) connected to said circuit  multiplexing (25; 25 '), - the first electronic and computer means (24; 24')  connected to said telephone line (245), to authorize  transactions to be carried out with said pay terminal  electronic (3), to authorize, by switching  said telephone line (245) on a telephone network  (23), telephone communications to be established from  said public telephone apparatus (4), and for storing  temporarily financial information relating to  said transactions and said communications, and, - means (21-23) for transmitting said information  financial audits means of processing and invoicing  (1), and opposition and authorization lists in  source of said processing and invoicing means  (1) to said first electronic and computerized means  ques (24; 24 ').  3 - System according to claim 2, wherein said transmission means comprise - said telephone network (23), to which are connected said  first electronic and computer means (24; 24 ') - second electronic and computer means (22),  connected to said telephone network (23) for collection  read, temporarily store and transmit said lists  of opposition and authorization, and said information  financial, - a data transmission network (21), to which  linked said second electronic and computer means  ques (22), and said processing and factu means  ration (1).  4 - System according to one of claims 2 or 3, wherein said multiplexing circuit comprises a switch (25) for connecting to said telephone line (245) either said electronic payment terminal (3) or said public telephone device ( 4).  5 - System according to one of claims 2 or 3, wherein said circuit. multiplexing (25 ') is arranged to carry out a frequency transposition, either of the signals (PE) of said electronic payment terminal (3), or of the signals (PU) of said public telephone apparatus (4), and said first electronic and computer means (24 ') comprise at least one analogous multiplexing circuit (? 5'), to allow the simultaneous operations of said electronic payment terminal (3) and of said public telephone apparatus (4), by frequency multiplexing of said signals (PE, PU ) on said telephone line (245).  6 - System according to one of claims 2 to 5, wherein said first electronic and computer means (24; 24 ') comprise - processing means (242), - memory means (241), connected to said means trai  (242) and to said transmission means (21-23), - modulation-demodulation means (248), connected to-  said processing means (242), - switching means (244) of said telephone line  that (245) is on said modulation-demodulation means  (248), or on said telephone network (23), said  switching means (244) being provided with an input of  control connected to said processing means (242) - said memory means (241) being arranged to store  said opposition and authorization lists transmitted  by said transmission means (21-23) - said processing means (242) being arranged to  exchange data with said telephone line (245),  read the said opposition and authorization lists in  said memory means (241), authorizing said tran  fractions and controlling said switching means (244)  in order to switch said line. telephone (245) on said  telephone network (23), and to register therein  memory means (241) said financial information.  7 - System according to claim 6, wherein - there is provided a plurality of payment terminals  electronic (3) and a plurality of public devices  telephone (4), connected, via a plurality  telephone lines (245) to said first means  electronic and computer (24; 24 '), each electronic payment terminal (3) and each  public telephone apparatus (4) is arranged to transmit  a signal for requesting access to said modulation means  demodulation (248), and - said first electronic and computer means  (24; 24 ') further include  - (i) means for detecting (246) said request signal  access, connected to said processing means (242),  and,  - (ii) at least one multiplexer (247), disposed between said  switching means (244) and said means for  modulation-demodulation (248), and controlled by said  processing means in response to said means of  detection (246).  8 - System according to claim 1, wherein said telecommunications means (2 ') comprise: - at least one multiplexing circuit (27), connected to said  electronic payment terminal (3 ') and said device  public telephone (4t) - at least one digital transmission line (267), connected  to said multiplexing circuit (27), and arranged to flow  simultaneously at least the signals of said terminal of  electronic payment (3?) and the signals of said device  public telephone (4 '), and, - a digital telephone network (26), to which are connected  said digital transmission line (267) and said  processing and invoicing means (1 ').  9 - System according to claim 8, wherein said processing and billing means (1 ') are arranged to authorize transactions to be made with said electronic payment terminal (3'), and telephone communications to be established from said public device telephone (4 '), and for storing financial information relating to said transactions and said communications.