FR2981480A1 - Method for performing electronic transaction of service between e.g. automatic cash register and mobile phone through server, involves sending confirmation of electronic transaction from server toward terminals - Google Patents

Abstract

The method involves sending an item of information of electronic transaction from a server to a terminal, and generating a transaction code including an identifier of the transaction by the server. The code is sent to the terminal. Another item of information of the transaction is sent to another terminal. A personal identification number (PIN) and a validation/invalidation information of the transaction sent by the latter terminal are received by the server. Confirmation of the transaction is sent from the server toward the terminals. Independent claims are also included for the following: (1) a terminal for cooperating with a server and another terminal for implementing a method for performing an electronic transaction of a service between the server and the former terminal (2) a server for cooperating with terminals for implementing a method for performing an electronic transaction of service between the server and one of terminals (3) a system for performing an electronic transaction of service.

Description

TECHNICAL FIELD OF THE INVENTION The present invention relates to a method for performing an electronic transaction of a service. It finds a particular application, but not limiting, in the field of dematerialized electronic transactions. BACKGROUND OF THE INVENTION A method of performing a transaction of a service, known to those skilled in the art, uses bank cards and payment terminals to perform the transactions. In addition, coupons such as vouchers in paper form are increasingly used and accounted for in transactions. A disadvantage of this state of the art is that it requires a whole chain of technical development of these coupons by traders who offers these coupons (printing coupons, distribution of coupons, advertising coupons). This chain results in a loss of management time for the merchant and a loss of time in the use for the coupon holder. GENERAL DESCRIPTION OF THE INVENTION The purpose of the present invention is a method for performing an electronic transaction of a service, which makes it possible to perform a faster transaction allowing the use of coupons.

This object is achieved by a method of performing an electronic transaction of a service between a server, a first terminal and a second terminal, the method comprising the steps of: receiving by the server at least one coupon information corresponding to a coupon sent by the second terminal; sending from the server to the first terminal at least one coupon information; - send by the server a receipt confirmation coupon to the first terminal and the second terminal; receiving by a server of the first terminal an electronic transaction creation request corresponding to a requested service, said creation request comprising a transaction amount; - save in the server the first information of said electronic transaction; sending from the server to the first terminal the first information on said electronic transaction; - Generate by the server a transaction code comprising an identifier (Id) of said electronic transaction; - send by the server to the first terminal the transaction code; sending from the server to the second terminal the second information of said electronic transaction from the transaction code scanned by the second terminal; - Receive by the server a personal identification number and a validation / invalidation information of the electronic transaction sent by the second terminal, said electronic transaction taking into account a coupon reduction amount; - send an electronic transaction confirmation from the server to the first terminal and the second terminal. As will be seen in detail later, the fact that the coupon information is directly sent by the second terminal makes it possible to use an electronic coupon in a secure electronic transaction. The use of the coupon in a transaction is thus facilitated. The transaction 35 is thus faster.

According to non-limiting embodiments, the method may furthermore include one or more additional characteristics from the following: In a first nonlimiting embodiment, the coupon information is a coupon and in that the method also comprises the additional steps of: - generating by the server a discount code corresponding to the coupon; sending by the server said reduction code to the second terminal; - Receive by the server coupon validation / invalidation information sent by the first terminal.

According to this first mode, in a non-limiting embodiment, the method further comprises the additional steps of: receiving by the second terminal said reduction code sent by the server; - Scan said reduction code by the first terminal; - Send the first terminal to the server coupon validation / invalidation information. In a second nonlimiting embodiment, the step of receiving the coupon information sent by the second terminal is performed after the step of sending the server to the second terminal of the second information of said electronic transaction from the code. in that the method further comprises the additional steps of: modifying the electronic transaction by the server by deducting the amount of reduction in the electronic transaction; - send by the server a confirmation of modification of the electronic transaction to the first terminal and the second terminal.

According to this second mode, in a non-limiting embodiment, the method further comprises the additional step of receiving by the first terminal and the second terminal a confirmation of modification of the electronic transaction sent by the server.

According to a non-limiting embodiment, the method further comprises the additional steps of: sending the second terminal to the server at least one coupon information corresponding to a coupon for the service; - Receive by the first terminal at least coupon information sent by the server; - Receive by the first terminal and the second terminal a coupon support confirmation sent by the server; sending from the first terminal to the server the electronic transaction creation request corresponding to a requested service; receiving by the first terminal first information on said electronic transaction sent by the server; receiving by the first terminal the transaction code generated by the server; - Scan said transaction code by means of a second terminal - receive by the second terminal second information of said electronic transaction from the scanned transaction code sent by the server; - Send the second terminal to the server a personal identification number and information validation / invalidation of the electronic transaction, said electronic transaction taking into account a reduction amount of the coupon; - Receive by the first terminal and to the second terminal an electronic transaction confirmation sent from the server. According to a nonlimiting embodiment, the method further comprises an additional step of crediting the transaction amount a first seller electronic money account linked to the first terminal and debiting the transaction amount a second linked buyer electronic money account. at the second terminal. According to a non-limiting embodiment, the method further comprises an additional step of transmitting from the server a transaction order corresponding to the electronic transaction validated in the server to bank servers adapted to manage accounts to be credited and debit relating to to said electronic transaction. According to a non-limiting embodiment, the transaction code generated is a QR-Code®.

According to a non-limiting embodiment, the first terminal is: a cash register or an automatic cash register; or - a personal computer; or - a mobile phone; or - a portable tablet; and the second terminal is: - a mobile phone: or - a portable tablet. According to one nonlimiting embodiment, the coupon includes: - name of the coupon offer; - the amount of the reduction; - a date of online posting of the coupon; - a date of availability of the coupon; - a coupon activation date; - a date of end of use of the coupon; - limitations of this coupon; - a country where the coupon is valid; - a coupon identifier; - at least one seller identifier; - a creation date; - a date of last modification.

According to a non-limiting embodiment, the first information received by the first terminal comprises an identifier of the electronic transaction. According to a nonlimiting embodiment, the first information received by the first terminal further comprises: a state of the electronic transaction; - a type of electronic transaction; - the amount of the electronic transaction; - a description of the electronic transaction; - a creation date. The invention also relates to a first terminal adapted to cooperate with at least one server and at least one second terminal for implementing the method of performing an electronic transaction according to any one of the preceding characteristics, said first terminal comprising a first processor adapted for: - receiving from the server at least one coupon information; - send an electronic transaction creation request to the server corresponding to a requested service; receiving from the server first information on said electronic transaction; - receive a transaction code generated by the server; - receive from the server an electronic transaction confirmation. The invention also relates to a server adapted to cooperate with at least a first terminal and at least a second terminal for implementing the method of performing an electronic transaction according to any one of the preceding characteristics, said server comprising a second processor adapted to: - receive from the second terminal at least one coupon information corresponding to a coupon for the service; - send at least coupon information to the first terminal; - send a coupon support confirmation to the first terminal and the second terminal; receiving from the first terminal an electronic transaction creation request corresponding to a requested service; - save first information of said electronic transaction; sending to the first terminal the first information on said electronic transaction; generating a transaction code comprising an identifier of said electronic transaction; - send the first terminal the transaction code; sending second information of said electronic transaction to the second terminal from the scanned transaction code; receiving from the second terminal a personal identification number and validation information of the electronic transaction, said electronic transaction taking into account a coupon reduction amount; - send an electronic transaction confirmation to the first terminal and the second terminal. According to a first nonlimiting embodiment, the coupon information is a coupon and the second processor is further adapted to: generate a coupon code corresponding to the coupon; - send said reduction code to the second terminal; receiving from the first terminal coupon validation / invalidation information. According to a second nonlimiting embodiment, the second processor is further adapted to: - receive the coupon information after sending the second terminal second information of said electronic transaction from the scanned transaction code; - modify the electronic transaction by deducting the reduction amount in the electronic transaction; - send a confirmation of modification of the electronic transaction to the first terminal and the second terminal.

According to a first nonlimiting embodiment, the second processor is further adapted to credit the amount of the transaction a first seller electronic money account linked to the first terminal and to debit the amount of the transaction a second linked buyer electronic money account at the second terminal. According to a first nonlimiting embodiment, the second processor is further adapted to transmit a transaction order corresponding to the electronic transaction validated in the server to appropriate bank servers for managing accounts to be credited and debited relating to said electronic transaction. . The invention also relates to a second terminal adapted to cooperate with at least one server and at least one first terminal for implementing the method of performing an electronic transaction according to any one of the preceding characteristics, said first terminal comprising a third processor adapted for: - sending to the server at least one coupon information corresponding to a coupon for the service; - scan said transaction code; receiving from the server second information of said electronic transaction from the scanned transaction code; - Send to the server a personal identification number and validation information of the electronic transaction, said electronic transaction taking into account a coupon reduction amount; - receive from the server an electronic transaction confirmation. The invention also relates to a system for performing an electronic transaction of a service, the system comprising: at least one first terminal according to the preceding characteristic; a server according to any one of the preceding features; at least one second terminal according to the preceding characteristic. The invention and its various applications will be better understood by reading the following description and examining the figures that accompany it. BRIEF DESCRIPTION OF THE FIGURES These are presented only as an indication and in no way limitative of the invention. FIG. 1 is a flowchart of the method of carrying out an electronic transaction according to the invention; FIG. 2 is a flowchart of the method for carrying out an electronic transaction of FIG. 1 illustrating additional steps; FIG. 3a is a flowchart of the method for performing an electronic transaction of FIG. 1 according to a first non-limiting embodiment; FIG. 3b is a flowchart of the method for performing an electronic transaction of FIG. 3a illustrating additional steps; FIG. 4 is a diagram showing the steps of the method of FIG. 3a and FIG. 3b performed by a first terminal, a second terminal and a server; FIG. 5a is a flowchart of the method for performing an electronic transaction of FIG. 1 according to a second non-limiting embodiment; FIG. 5b is a flowchart of the method for carrying out an electronic transaction of FIG. 5a illustrating additional steps; FIG. 6 is a diagram showing the steps of the method of FIG. 5a and FIG. 5b performed by a first terminal, a second terminal and a server; FIG. 7 is a diagrammatic representation of a system according to one embodiment for implementing the method of carrying out an electronic transaction of FIGS. 1 to 6. DESCRIPTION OF EMBODIMENTS OF THE INVENTION The method for performing an electronic transaction MTH of a service S between a server Sk, a first terminal Tm and a second terminal Tu, is described in one embodiment. non-limiting to Figures 1 to 6.

By service S, we mean, purchase of goods such as a product, an application, a ticket, or a ticket in non-limiting examples. The method of performing an electronic transaction MTH comprises the following steps, as illustrated in FIG. 1. - receive by the server Sk at least one IR coupon information corresponding to a coupon CP for the service S sent by the second terminal Tu (illustrated step RX_IR (CP (MtR)); - send from the server Sk to the first terminal Tm the coupon information IR (illustrated step TX_CP (IR)); - send by the server Sk a confirmation of support of the coupon CP to the first terminal Tm and to the second terminal Tu (illustrated step TX_CONF (ConfCP) receiving from a server Sk of a first terminal Tm an electronic transaction creation request Tr corresponding to a requested service S (illustrated step RX_CREAT (TR)); backing up in the server Sk of the first information 11 of said transaction; electronics (step illustrated SAV_TR (I1)); - send from the server Sk to the first terminal Tm the first information 11 on said electronic transaction Tr (illustrated step TX TR (I1)); - generate by the server a code of QR-C transaction including an identifier Id of said electronic transaction Tr (illustrated step GENERAT QRC (Id)); sending by the server Sk to the first terminal Tm the transaction code QR-C (step illustrated TX_QRC); sending from the server Sk to the second terminal Tu second information 12 of said electronic transaction Tr from the scanned transaction code QR-C by the second terminal Tu (illustrated step TX TR (12, QR-C)); receiving by the server Sk a personal identification number PIN and IVAL validation / invalidation information of the electronic transaction sent by the second terminal Tu, said electronic transaction taking into account the reduction amount MtR (illustrated step RX_TR (PIN, IVAL )); sending an electronic transaction confirmation confirmation from the server Sk to the first terminal Tm and to the second terminal Tu (illustrated step TX_CONF).

In a non-limiting embodiment illustrated in FIG. 2, the method further comprises the additional steps of: sending from the second terminal Tu to the server Sk at least one IR coupon information corresponding to a coupon CP for the service (S) (illustrated step (step illustrated TX_CP (MtR)) receiving the first terminal Tm at least IR coupon information sent by the server Sk (illustrated step RX_CP (IR)); receiving by the first terminal Tm and by the second terminal Tu a Confirmation of support ConfCP of the coupon CP sent by the server Sk (step illustrated RX_CONF (ConfCP)); sending from the first terminal Tm to the server Sk the electronic transaction creation request Tr corresponding to a requested service S (illustrated step TX_CREAT (TR)); receiving by the first terminal Tm first information 11 on said electronic transaction Tr sent by the server Sk (step illustrated RX_TR (I1)); receiving by the first terminal Tm the QRC transaction code generated by the server Sk (step illustrated RX_QRC); scanning said QR-C transaction code by means of a second terminal Tu (illustrated step SCAN (QR-C)); - Receive by the second terminal Tu second information 12 of said electronic transaction from the scanned transaction code QR-C sent by the server Sk (step illustrated RX_TR (12, QR-C)); sending from the second terminal Tu to the server Sk a personal identification number PIN and an IVAL validation / invalidation information from the electronic transaction Tr, said electronic transaction taking into account a reduction amount MtR of the coupon CP (step illustrated TX_TR ( PIN, IVAL)); receiving by the first terminal Tm and by the second terminal Tu an electronic transaction confirmation confirmation Tr sent from the server Sk (step illustrated RX_CONF). Note that the presentation of the steps above do not presuppose that they are sequential.

In a nonlimiting embodiment, the method further comprises an additional step of crediting the amount Mt of the transaction with a first seller's electronic money account Cpt1 linked to the first terminal Tm and debiting from the amount Mt of the transaction a second account of buyer electronic money Cpt2 linked to the second terminal Tu (illustrated step CRED_DEB (Mt, Cpt1, Cpt2). In a non-limiting embodiment, the method further comprises an additional step of transmitting from the server Sk a transaction order corresponding to the electronic transaction saved in the server Sk to Sqq bank servers adapted to manage accounts to credit and debit relating to said electronic transaction Tr (step illustrated OT_CRED_DEB (Mt, Cpt1 ', Cpt2')). For the following description , in the nonlimiting embodiment of the method described, the method comprises these nonlimited embodiments In non-limiting embodiments; a CP coupon is a free coupon.

The steps of the method of performing a transaction are described in detail below with reference to FIG. 1 to 5b. - Acquisition of a voucher or discount voucher It should be noted that a voucher (which can also be discounted) is obtained free of charge and can be obtained in different ways. Either from the flow of commercial offers presented on the application side of the second terminal or from a web page on a first terminal, or from a poster of the seller who is in a public area, said poster comprising a QR-R reduction code corresponding to a CP reduction coupon for example. In the latter case, the buyer scans with his terminal Tu the QR-R reduction code, the latter comprising the url of the application corresponding to the method of carrying out a transaction and a coupon IdCP identifier. At this time, a message comprising the IdCP coupon identifier is sent from the second terminal Tu to the server Sk to search for information on said coupon. The information is then sent from the server Sk to the second terminal Tu and saved in the second terminal Tu. A backup confirmation is then sent from the server Sk to the second terminal Tu. During this backup, an identifier of the generated IdisCP coupon instance is created. - Buyer login It will be noted that to acquire a coupon, the second terminal You must open a session with the server Sk. The logon is triggered by the launch of the application corresponding to the process of carrying out a transaction by the user of the second terminal Tu on said second terminal Tu. The second terminal You log in with the Sk server as follows. - i) the second terminal You authenticate with the Sk server via its user ID and password; ii) if successful authentication, the second terminal Tu connects to the server Sk to communicate with him; iii) the second terminal You send a request to the server Sk for the issue of a token. - I) the server Sk issues a token that allows to open a session between the second terminal Tu and the server Sk. Note that a token is issued for each second terminal Tu. We have one session per terminal. Thus, the same buyer can use several second terminals to perform his electronic transactions. There will therefore be a plurality of chips. Each second terminal You will use the issued token for all its communications with said server Sk.

It will be noted that if the application corresponding to the method of performing an electronic transaction has been closed on the second terminal Tu, when the latter opens the application again, the same token is used. Note that a buyer session ends when the token is invalidated. The latter can be invalidated in the following cases: when a timeout is exceeded because no transaction has been carried out since the last, for example for twenty minutes; when it is no longer valid because it has reached a definite duration, for example of a day; - when the buyer user requests to revoke all his chips; - when the buyer user changes his password - when the buyer user enters a wrong PIN 3 times in a row - when the buyer user blocks his account remotely (after losing phone for example) from his management space private accessible from the website. - Use of a coupon in an electronic transaction A discount coupon CP is taken into account in an electronic transaction either on direct request of the person who buys a service S, or it is automatically proposed to the person who buys the service S.35 o First embodiment: use of a coupon at the request of the buyer.

Thus, in a first non-limiting embodiment illustrated in FIGS. 3a to 4, the IR coupon information relating to the coupon CP is sent at the request of the user of the second terminal Tu. Indeed, when the user wants to use a coupon CP when buying a service S at a merchant seller, he chooses said coupon on his second terminal Tu, using a menu for example presenting him the set of coupons he owns. In this case, the IR coupon information is a CP coupon. Subsequently, the following steps of the method of performing an MTH transaction are performed. In a first step 1) illustrated RX_CP (IR, MtR), the second terminal Tu sends to the server Sk the IR coupon information, namely the coupon CP for the service S and the server Sk receives this information coupon IR ( Step 1'). In non-limiting embodiments, the second terminal Tu is: - a mobile phone: or - a portable tablet. In a non-limitative embodiment, the coupon CP has the following attributes: - name of the coupon offer (for management by the merchant); - a description ; 30 - the amount of the MtR reduction; - a date of online posting of the coupon; - a date of availability of the coupon; - a coupon activation date; - a date of end of use of the coupon; - limitations of this coupon (number of coupons for the same user, number of days of validity); - a country where the coupon is valid; - an IdCP coupon identifier; - at least one seller identifier (several sellers can offer the same coupon); - a creation date; - a date of last modification (date at which the seller can not modify the coupon that he will propose).

In a nonlimiting embodiment, the coupon may further comprise the following attributes: an image; - a phone number of the merchant; - specific coupon reductions attributed to a social network; - specific reductions attributed, for example, when the basket reaches a specified total amount; - addresses of places where the coupon can be used; - names of networks whose members can use the coupon; - a number of times the coupon is seen to perform statistics; - a number of instances of the coupon generated to perform statistics.

In a second step 2) illustrated GENERAT_QRR (IdCP), the server Sk generates a QR-R reduction code corresponding to the coupon CP. It should be noted that the QR-R reduction code is generated on the fly, namely whenever a transaction is created. It does not need to be saved in the Sk server. However, it can be saved in the second terminal Tu. In a non-limiting embodiment, the reduction code generated QR-R is an OR-Code®. It includes a url of the type https: // url of the method of carrying out an electronic transaction / coupon identifier CP. This url will be recognized by the first terminal Tm (by scanning the transaction code).

It will be noted that the generation of the transaction code is done by means of a code generation library. In other non-limiting embodiments, the reduction code generated QR-R is: a datamatrix (2D barcode); - a standard 1D barcode; any other image comprising the url of the method for performing an MTH transaction; a random image linked to the electronic transaction.

In a third step 3) illustrated TX_QRR, the server Sk sends said QR-R reduction code to the second terminal Tu and the second terminal Tu receives said QR-R reduction code (step 2 'illustrated RX_QRR).

In a fourth step 4) illustrated SCAN (QR-R), the first terminal Tm scans the QR-R reduction code. The QR-R reduction code is scanned from the screen of the second terminal Tu. Of course, the first terminal Tm comprises means for scanning this QR-R reduction code, namely in particular a camera. In non-limiting embodiments, the first terminal Tm is: a cash register or automatic cash register (automated control terminal); or - a personal computer (through a dedicated program on the computer or a web service); or - a mobile phone; or - a portable tablet. Note that the first terminal can also be a workstation (through a dedicated program on the computer or a web service); In a first embodiment, when the first terminal Tm scans the QR-R reduction code, it recognizes the url of the application corresponding to the method of carrying out a transaction. ^ Opening a seller session At this time, a session is opened between the first terminal Tm and the server Sk as follows. i) a token (called token) is created by the server Sk. This token makes it possible to open a session between the first terminal Tm and the server Sk; ii) the first terminal Tm authenticates to the server Sk. In a first embodiment, the authentication is performed by means of a private key and an identifier associated with the first terminal. This embodiment is applied when the first terminal Tm is a cash register for example. In a second embodiment, the authentication is performed using the name of the selling user owner of the first terminal Tm and its password. This embodiment is applied when the first terminal Tm is a portable tablet for example. Note that a session is open for a sales user. One could also have a session for each first terminal Tm. Iii) if the authentication is successful, the first terminal Tm connects to the server Sk to communicate with it and will use the token issued for all of its communications with said server Sk. Subsequently, the method of performing a transaction executes. Note that a sell session ends when the token is invalidated. The latter can be invalidated in the following cases: when a timeout is exceeded because no transaction has been carried out since the last, for example for twenty minutes; when it is no longer valid because it has reached a definite duration, for example of a day; - when the selling user changes his password and his username. Note that the session is open the first time the first terminal scans a coupon CP. Subsequently when other coupons are recovered, the same token is used for example for the day.

In a fifth step 5) illustrated TX_CP (IR), the server Sk transmits to the first terminal Tm at least one coupon information IR on the coupon CP (associated with said QR-R reduction code scanned) and the first terminal Tm receives said IR coupon information on the CP reduction coupon (step 5 'illustrated RX_CP (IR)). This IR coupon information has all the attributes of the coupon CP. These attributes are displayed on the screen of the first terminal Tm. Thus, the merchant where the buyer presents his coupon CP checks the coupon CP on his terminal Tm (if it is valid, if it has not already used, if it applies to purchased S service etc.). Note that in a non-limiting embodiment, additional information corresponding to the coupon, particularly the coupon instance such as the buyer's picture and the first and last name can be displayed on the screen of the first terminal Tm. This allows to verify the identity if necessary of the buyer. This information can be retrieved from the Upf2 buyer's user profile (described later). In a sixth step 6) illustrated TX_CP (IVALR), the first terminal Tm sends to the server Sk a validation / invalidation information IVALR of the coupon CP and the server receives Sk the validation / invalidation information IVALR of the coupon CP (step 6 ' illustrated RX_CP (IVALR) .Thus, if the merchant validates the coupon, it supports validation means, for example a button provided for this purpose on its terminal Tm, and validation information IVALR1 is sent. of invalidation, another button for example and an invalidation information IVALR2 is sent.If the coupon is validated, the following steps are performed.35 In a seventh step 7) illustrated TX_CONF (ConfCP), the server Sk sends to the first Tm terminal and the second terminal You confirm confirmation ConfCP of the coupon CP and the first terminal Tm and the second terminal You receive Confirmation of support ConfCP coupon CP (step 7 'illustrated RX_CONF (ConfCP)). The terminals are thus informed that the coupon CP is accepted and can be taken into account in the electronic transaction Tr. Note that in the case of a second terminal Tm, the confirmation is a notification sent by the server Sk including the identifier IdCP of the coupon and the identifier of its instance. In a non-limiting example, the notification protocol APN ("AppleTM Push Notifications") is used. In other examples, the AndroïideTM C2DN notification protocol may be used or any other proprietary notification protocol.

In the case of a first terminal Tm, the latter accepts the coupon (when the selling user has validated the coupon) and receives a confirmation message of its acceptance from the server Sk. In this step 7), the instance of the coupon is recorded as having been "burned", ie used. ^ Realization of the transaction The electronic transaction is thus carried out according to the following steps.

In an eighth step 8) illustrated TX_CREAT (TR), the first terminal Tm sends to the server Sk the electronic transaction creation request Tr corresponding to a requested service S and the server Sk receives from the first terminal Tm the transaction creation request Tr electronic corresponding to a requested service S (step 8 '). It will be noted that when the seller has validated the coupon CP, its amount MtR has been taken into account in the electronic transaction Tr, namely has been deducted from the price of the service purchased S. Thus the amount of the electronic transaction Mt is equal to the price the service purchased S minus the amount of MtR reduction.

In a ninth step 9) illustrated SAV_TR (I1), the server Sk saves the first information 11 of said electronic transaction Tr.

In a non-limiting embodiment, the first information received by the first terminal Tm comprises an identifier Id of the electronic transaction Tr. This identifier will enable the first terminal Tm to ask the server Sk to generate a QR-C transaction code. as described later. In a non-limiting embodiment, the first received information 11 further comprises: a state St of the electronic transaction. This status can include the values "in progress", "canceled", "validated". At this stage, the state takes the value "in progress"; - Ty type the electronic transaction. The type can include the following: - Merchant transaction (buyer to seller) - Refund (seller to buyer) - Reloading of the credit card - IBAN transfer to bank account The type is used when reading the transaction history by the owner of the first terminal Tm and / or the owner of the second terminal Tu. - the amount Mt of the electronic transaction; - a description Ds of the electronic transaction. For example, as a description we can have "payment of 10 euros from Mr X to the merchant Y". This field is also used when reading the transaction history; - a date Dt of creation. This field is also used when reading the transaction history. It is also compared to a current date. Thus, if the creation date is earlier than a certain time in relation to the current date, and the transaction has been waiting since that time, it can not be validated anymore because it is considered too old.

In a non-limiting embodiment, the following additional information 11 'of the transaction is saved in the server Sk: a fingerprint Tg of the electronic transaction. This unique fingerprint includes codified information on the transaction to limit data loss, such as the type of the transaction, the identifier of the debtor; - the currency Dy of the electronic transaction; an identifier of the debtor Id_Db of the electronic transaction; an identifier of the creditor Id_Dc of the electronic transaction; This field makes it possible to ask the server Sk for information on a debtor who owns the debtor account (last name) and also allows to have a better traceability and to make data analysis (frequency of purchase, average basket, etc. of the user). It should be noted that this field is also present in an electronic money account described below; - an identifier of an account to be credited Id_Cc (electronic money account, virtual bank account, virtual credit card account); - an identifier of an account to be debited Id_Cd (electronic money account, virtual bank account, virtual credit card account); - l_Pt information (such as a transaction identifier, transaction error information) on third-party servers Str cooperating with the payment server Sk. These third-party servers provide electronic money management services. In a tenth step 10) illustrated TX_TR (I1), the server Sk sends to the first terminal Tm the first information 11 on said electronic transaction Tr and the first terminal Tm receives the first information 11 on said electronic transaction Tr sent by the server Sk ( step 10 ').

In an eleventh step 11) illustrated GENERAT_QRC (Id), the server Sk generates a QR-C transaction code comprising an identifier Id of said electronic transaction Tr. It will be noted that the QR-C transaction code is generated on the fly. know each time a transaction is created. It does not need to be saved in the Sk server. However, it can be saved in the second terminal Tu. In a first nonlimiting embodiment, the QR-C transaction code is generated on request Rq of the first terminal Tm which has requested a transaction creation Tr. The request Rq of the first terminal Tm comprises the identifier Id of the transaction Tr Note that in this case, the QR-C transaction code is generated if an electronic transaction is in a "running" state.

In a second nonlimiting embodiment, the QR-C transaction code is generated automatically by the server Sk upon receipt of a transaction creation request Tr. In this case, the code generation step is performed before step 2) of receiving the first information 11 by the first terminal Tm, and either the first information comprises the QR-C generated code, the latter being thus sent in this information 11, or it is sent at the same time. Note that in this case, the transaction ID Id is still needed in the information 11 sent because of the notification in the confirmation step described below.

In a non-limiting embodiment, the transaction code generated is an OR-Code®. It has an url of the type https: // url corresponding to the process of carrying out a transaction / transactions / Id. This url is recognized by the second terminal Tu (by scanning the transaction code) if the latter can use the method of performing a transaction MTH. Otherwise, when the transaction code is scanned, but the process of making a transaction is not known, a web page corresponding to the url is displayed and explains how to install the corresponding computer program product. to the process of carrying out a transaction on the second terminal Tu on said second terminal Tu.

It will be noted that the generation of the transaction code is done by means of a code generation library. In other non-limiting embodiments, the generated transaction code is: a datamatrix (2D barcode); - a standard 1D barcode; any other image comprising the url of the method for performing an MTH transaction; a random image linked to the electronic transaction.

In a twelfth step 12) illustrated TX_QRC, the server Sk sends the QR-C transaction code to the first terminal Tm and the first terminal Tm receives the QR-C transaction code generated by the server Sk (step 12 '). Note that this step can be performed at the same time as the tenth step 10) of sending the first information 11 when the code is generated automatically by the server Sk. In an alternative embodiment, the information 11 of the tenth step comprises generated code QR-C. In a thirteenth step 13) illustrated SCAN (QRC), a second terminal Tu scans said QR-C transaction code. The QR-C transaction code is scanned on the screen of the first terminal Tm. In nonlimiting exemplary embodiments, a second terminal Tu is a mobile phone or a portable tablet. Of course, the second terminal Tu comprises means for scanning this QR-C transaction code, namely in particular a camera. In a first embodiment, when the second terminal Tu scans the QR-C transaction code, it recognizes the url contained in said code because it contains the application corresponding to the method of performing a transaction. In a second embodiment, when the second terminal Tu scans the QR-C transaction code, it does not recognize the url contained in said code. At this moment, in a first embodiment, a web page of the application is displayed on the screen of the second terminal Tu and explains the installation of the application corresponding to the method of performing a transaction. At this moment, in a second variant embodiment, a web page of the application is displayed on the screen of the second terminal which makes it possible to carry out an electronic transaction directly. The web page then contains the information on the transaction: name of the merchant, image (logo), amount Mt, field to connect with the electronic money account by authenticating with the username and password for the account, or via the social network account, and finally by entering the PIN code. Subsequently a payment confirmation message is returned. In a fourteenth step 14) illustrated TX_TR (12, QR-C), the server Sk sends to the second terminal Tu second information 12 of said electronic transaction from the scanned transaction code QR-C and the second terminal Tu receives the second information 12 of said electronic transaction from the scanned transaction code QRC sent by the server Sk (step 14 '). Thanks to the identifier Id of the electronic transaction found in the QR-C transaction code, the server Sk will retrieve the information of said transaction that has been previously saved in a data repository of said server Sk. The second information 12 of the electronic transaction are then displayed on the screen of the second terminal Tu. It should be noted that the second information 12 includes the first information 11 plus the seller's name and an associated image (logo). In a fifteenth step 15) illustrated TW_TR (PIN, IVAL), the second terminal Tu sends to the server Sk a personal identification number PIN and a validation / invalidation information IVAL of the electronic transaction Tr, said electronic transaction taking into account a reduction amount MtR and the server Sk receives from the second terminal Tu the personal identification number PIN and the validation / invalidation information IVAL of the electronic transaction, said electronic transaction taking into account a reduction amount MtR (step 15 '). Thus, when the user of the second terminal Tu (the person who thus purchases the service S) has verified on the screen of his terminal the information of the electronic transaction and in particular the amount Mt, he enters his PIN and presses for example on a button on his terminal to indicate to the server that he has verified the transaction and that he agrees with the transaction. A "valid" IVAL1 information is sent. The transaction is validated and secured. If he does not want to validate the transaction, another button is used for example. Invalid IVAL2 information is sent.

It will be noted that when the server Sk cooperates with a third party server Str of approval of an approved electronic money management organization, the validation of the electronic transaction Tr on the second terminal side leads to an automatic check on the server side and a validation / invalidation by said third party server. The second terminal You are then informed if the electronic transaction has been validated or invalidated by the approved organization. In a sixteenth step 16) illustrated CRED_DEB (Mt, Cpt1, Cpt2), the server Sk sends an electronic transaction confirmation to the first terminal Tm and the second terminal Tu and the first terminal Tm and the second terminal Tu receive the confirmation Conf. electronic transaction Tr sent from the server Sk (step 16 '). The terminals are thus warned that the transaction went well.

The status of the electronic transaction is then changed to "validated". If the user has canceled the transaction, the value of the status is set to "canceled". Note that in the case of a first terminal Tm, the confirmation is a notification sent by the server Sk comprising the identifier Id of the transaction Tr. In a non-limiting example, the notification protocol APN ("AppleTM Push Notifications"). ) is used. In other examples, the notification protocol of AndroidTM C2DN can be used or any other proprietary notification protocol.

The first terminal Tm compares the identifier received in the notification with the identifiers of the transactions it has created to check whether the desired transaction is validated. In the case of a second terminal Tu, the latter accepts the transaction (when the buyer user has validated the transaction) and receives a confirmation message of its acceptance from the server Sk. In a seventeenth step 17) illustrated OT_CRED_DEB (Mt, Cpt1, Cpt2), the server Sk credits from the amount Mt of the transaction a first seller's electronic money account Cpt1 linked to the first terminal Tm and debits from the amount Mt of the transaction a second user electronic money account Cpt2 linked to the second terminal Tu. It will be noted that the association between a seller's electronic money account CPt1 and a first terminal Tm is done during a creation of a user profile Upf1 in the server Sk. Associated electronic money accounts are then created and are connected. with the profile by their identifiers, an account does not change ownership. In a non-limitative embodiment, an Upf1 user user profile comprises the following information: the seller's name (commercial name if it exists); - the area of the activity. This information makes it possible to make comparisons with other sellers using the method of carrying out a transaction; - the country ; - the address; - the email; - telephone number ; - the url of the seller's site if it exists; - the page of a social network if it exists; - a seller identifier; - an electronic money account identifier; - an account reloading identifier; - a creation date; - last date of connection; - an authorized account identifier; - A password for the application corresponding to the method of performing an electronic transaction.

It should be noted that the association between a buyer's electronic money account Cpt2 and a second terminal Tu is done during a creation of a user profile Upf2 buyer in the server Sk. An associated electronic money account is then created and is connected with the profile by its identifier, an account that does not change ownership.

In a non-limiting embodiment, a user profile Upf2 buyer includes the following information: - the name and surname of the buyer; - the birth date ; - the email; - sex - the country ; - the nationality ; the PIN code; - an electronic money account identifier - an identifier of a virtual credit card account; - a buyer identifier; - a registration date. Optionally the following fields can be added: - an identifier of a virtual account of a bank account; - language ; a confidentiality field to indicate whether the user profile is public, a notification field to indicate whether the second terminal associated with the user receives notifications as described above; - a phone number ; - A password for the application corresponding to the method of performing an electronic transaction. Note that if a social network is used, the social network password will be used to start the process. Note that the identifying attributes of a virtual account of a bank account and identifying a virtual account for credit card allows a user of the second terminal Tu to recharge his e-money account from a virtual account of bank card declared in the server Sk or a bank account declared in the virtual server Sk and thus to credit / debit virtually his bank card and his bank account and to have a reflection of his debits / credits through the virtual accounts of bank card and bank account found on the server Sk. Subsequently the credits / virtual debits are of course transcribed on the real bank accounts and bank cards of the user. In a non-limitative embodiment, a first seller electronic money account Cpt1 is created by an administrator of the payment server Sk. A first seller account Cpt1 is created and associated with the user user profile Upf1 and comprises in a non-realizable embodiment. limiting the following information: - name of the owner of the account; - affiliated banking organization; - address ; IBAN; 30 - BIC; Account ID; Account description; - Type; Currency; State 5 - Vendor ID; - Creation date. In a nonlimiting embodiment, a second electronic money buyer account Cpt2 is created by the buyer himself when he creates his Upf2 user profile from the url of the application corresponding to the production method of a transaction. The creation of the user profile is done by entering the data manually or by retrieving it from a user's page on a social network.

A second buyer account Cpt2 is created and associated with the user profile Upf2 buyer and comprises in a non-limiting embodiment the following information: - name of the owner of the account; - affiliated banking organization; - address ; I BAN; - BIC; Account ID; Account description; - Type; Currency; - State; - Buyer ID; - Creation date.

Note that with this account Cpt2, a buyer user can make a payment or reload his account Cpt2. In a non-limiting embodiment, the server cooperates with means of secure payment over the Internet. These means are either internal or external to the payment server Sk. The means are, for example, third-party servers Str that belong to third-party organizations authorized to manage electronic money, namely to validate the management of electronic currency accounts and transactions. The transactions validated by these organizations are authentic. The servers of an organization such as LeetchiTM are in a non-limiting example used. It should be noted that in this case, the first and second terminals comprise for this purpose an internet access by which the seller and / or the buyer can enter his credit card number or accept a credit card recharge.

In this case, an authorized electronic money account Cpt1 'corresponding to the first account Cpt1 and an authorized electronic money account Cpt2' corresponding to the second account Cpt2 are automatically created on the third servers Str. Thus, when crediting or debiting an electronic account Cpt1, Cpt2, the server cooperates with these means of secure payment by internet. The approved electronic money accounts Cpt1 ', Cpt2' on the third party servers Str reflect the transactions (debit / credit) effected on the accounts Cpt1, Cpt2 respectively.

Such accounts Cpt1 'and Cpt2' include in a non-limiting embodiment the following information: - Authorized account identifier; - corresponding account identifier Cpt1 / Cpt2; - Approved account description; - Type: defines membership in a third party organization; - Currency; - State: open, closed, fraudulent; - Owner ID; - Creation date.

In one nonlimiting embodiment, the server Sk comprises a single electronic money account Cpt2 assigned to a user of a second terminal Tu. In a non-limiting embodiment, the server Sk comprises either a single electronic money account Cpt1 for a seller who has a first terminal Tm, or an electronic money account Cpt1 for each first terminal Tm that the seller owns. It will be noted that the server Sk saves the bank details (IBAN) of the seller. For the buyer, this is optional. Indeed, the buyer has the opportunity to enter his IBAN in the server Sk to withdraw his electronic money from his electronic account, but this use is not common. In a eighteenth step 18), the server Sk transmits a transaction order Ot corresponding to the electronic transaction validated in the server sk to appropriate bank servers Sbq for managing accounts to be credited and debited relating to said electronic transaction Tr. note that Ot transaction orders are issued periodically between the server Sk and the bank servers Sbq.

Thus, it allows to credit the bank account of the seller who sells the service S and debit the bank account of the user who buys the service S. In a non-limiting example, the orders are issued weekly. The seller can transfer the money collected on his e-money account to his bank account. In all the steps of the method for carrying out a transaction described above, in a non-limiting embodiment, the sending / receiving of data such as a request for creation of a transaction, information, a order Ot, a transaction code for an electronic transaction Tr is made using the protocol https ("HyperText Transfer Protocol Secured") based on a secure Internet exchange protocol for example TLS ("Transport Layer Security") . o Second embodiment: automatic proposal of a discount coupon to the buyer. This second embodiment is illustrated in FIGS. 5a to 6.

Note that this mode only applies to a coupon that is a coupon, also known as a discount coupon. Note that in this mode, the step of receiving the IR coupon information sent by the second terminal Tu is performed after the step of sending from the server Sk to the second terminal Tu second information 12 of said electronic transaction from the scanned transaction code QR-C. When a buyer wants to buy a service S, it does so either directly in store with a seller or on the website of the seller. At this time, the method of performing a transaction is triggered as follows. In a first nonlimiting embodiment, the method of performing a transaction is triggered by a manual entry on the first terminal Tm of a transaction amount Mt (corresponding to the price of the service S) and manual support on means for selecting the method of performing a transaction such as for example a button. This first mode is realized for example in the case where the first terminal Tm is a portable tablet. In a second nonlimiting embodiment, the method of performing a transaction is triggered by an automatic entry on the first terminal Tm of a transaction amount Mt and a manual support on means for selecting the production method of a transaction such as for example a button. This first mode is realized for example in the case where the first terminal Tm is a cash register or automatic cash register (automated control terminal). Note that the automatic entry of the amount of the transaction is for example by scanning the bar code where is indicated the price of the service S.

In a third nonlimiting embodiment, the method of performing a transaction is triggered by the validation on the internet (through a web page) of the purchase of the service S. The user can thus connect to the application corresponding to the payment method via a first terminal Tm which is for example a personal computer.

When the first terminal Tm calls the method of performing a transaction, prior to the execution of the method of performing a transaction, the following initial steps are performed: i) a token (called "token") is created by the server Sk. This token makes it possible to open a session between the first terminal Tm and the server Sk; ii) the first terminal Tm authenticates to the server Sk. In a first embodiment, the authentication is performed by means of a private key and an identifier associated with the first terminal. This embodiment is applied when the first terminal Tm is a cash register or automatic pay station (automated control terminal) for example. In a second embodiment, the authentication is performed using the name of the selling user owner of the first terminal Tm and its password. This embodiment is applied when the first terminal Tm is a portable tablet for example. Note that a session is open for a sales user. One could also have a session for each first terminal Tm. Iii) if the authentication is successful, the first terminal Tm connects to the server Sk to communicate with it and will use the token issued for all of its communications with said server Sk. Subsequently, the method of performing a transaction executes.

Note that a sell session ends when the token is invalidated. The latter can be invalidated in the following cases: when a timeout is exceeded because no transaction has been carried out since the last, for example for twenty minutes; when it is no longer valid because it has reached a definite duration, for example of a day; - when the selling user changes his password and his username.

Subsequently, steps 8 to 14 'described above are performed and are renumbered 1 to 7' in FIG. 6. In an eighth step 8) illustrated SRCH_CP, the second terminal You search the coupons (more precisely coupon instances) which are saved in said second terminal and which correspond to the transaction Tr in progress and displays the coupon information to the screen for the user. The correspondence is made through the seller identifier stored in both the transaction information and the coupon information. Indeed, when the merchant creates the transaction, his identifier is stored in the information of the transaction. When the user terminal Tu proceeds with the transaction, it looks for the coupons in its library. If a coupon includes the merchant vendor ID, it is automatically offered. If the coupon requires a minimum basket, it checks the amount Mt of the transaction Tr and valid / invalid according to the answer. It should be noted that if several coupons are available for the same merchant, the second terminal You propose the list to the buyer user.

If the user wants to use the coupon in the electronic transaction, he validates it and the following steps are performed. Otherwise, it does not validate the coupon and the electronic transaction is made in using the coupon.

In a ninth step 9), the second terminal Tu sends to the server Sk at least one IR coupon information corresponding to the coupon CP for the service S and the server receives it (step illustrated 9 ').

The IR coupon information sent is the IdCP coupon ID and the identifier of the generated instance of the IdISCP coupon. Moreover, the identifier of the transaction Id is also sent from the second terminal Tu to the server Sk.

In a tenth step 10), the server Sk sends a Confirmation of support ConfCP of the coupon CP to the first terminal Tm and the second terminal Tu, and the first terminal Tm and the second terminal Tu receive said confirmation of support CP coupon ConfCP (illustrated step 10 '). 2 9814 80 36 Note that in the case of a first terminal Tm, the confirmation is a notification sent by the server Sk including the IdCP identifier of the coupon. In a non-limiting example, the notification protocol APN ("AppleTM Push Notifications") is used. In other examples, the AndroidTM C2DN notification protocol may be used or any other proprietary notification protocol. In the case of a second terminal Tu, the latter receives a message confirming the acceptance of the coupon of the From the server Sk. In an eleventh step 11), the server Sk sends the first terminal Tm at least one IR coupon information. The IR coupon information received is the set of attributes of the coupon CP. This information is displayed on the screen of the first terminal Tm. The merchant seller can thus check the coupon and validate or invalidate it. If it does not validate it, the electronic transaction is made without the coupon and the following steps 12 and 13 are not performed. If valid, the following steps are performed. In a twelfth step 12) illustrated MODIF_Mt (MtR), the server Sk modifies the electronic transaction Tr by deducting the amount of reduction MtR in the electronic transaction Tr. Thus, the reduction amount MtR is deducted from the initial amount Mt corresponding to the price of the purchase of the service S so as to obtain a new transaction amount Mt. In a thirteenth step 13) illustrated TX_CONF (ConfCM), the server Sk sends a confirmation of modification ConfM of the electronic transaction to the first terminal Tm and to the second terminal Tu, and the first terminal Tm and the second terminal Tu receive said confirmation confirmation ConfM of the electronic transaction (step 13 'shown as RX CONF (ConfCM)). Subsequently, steps 15 to 18 previously described in the first embodiment are performed (renumbered 14 to 17 in Fig. 6).

Thus, the method of performing a transaction allows mobile device users to make secure payments of their purchase without the need to use their credit card while having the opportunity to use discount coupons. An electronic transaction can be made between a mobile phone user and a merchant with a cash register or a portable tablet, or between two users of mobile phones, or between two users of portable tablets etc. The method of performing a transaction is implemented by a system for performing an electronic transaction of a service S illustrated in FIG. 6. The SYS system comprises: at least one first terminal Tm comprising a first processor UC1 adapted to: receive from the server Sk an IR coupon information; receiving from the server Sk a confirmation of the ConfCP support of the coupon CP; sending an electronic transaction creation request Tr to a server Sk corresponding to a requested service S; receiving first information on said electronic transaction Tr from the server Sk; receive a QR-C transaction code generated by the server Sk; receive an electronic transaction confirmation Conf from the server Sk; the server Sk comprising a second processor UC2 adapted to: receive from the second terminal Tu at least one IR coupon information corresponding to a coupon CP for the service S; sending the IR coupon information to the first terminal Tm; sending a Confirmation of Support ConfCP of the coupon CP to the first terminal Tm and to the second terminal Tu; receiving from the first terminal Tm an electronic transaction creation request Tr corresponding to a requested service S, - saving first information 11 of said electronic transaction Tr; sending to the first terminal Tm the first information 11 on said electronic transaction Tr; generating a QR-C transaction code comprising an identifier Id of said electronic transaction Tr; sending to the first terminal Tm the QR-C transaction code; sending to the second terminal Tu second information 12 of said electronic transaction Tr from the scanned transaction code QR-C; receiving from a second terminal Tu a personal identification number PIN and an IVAL validation / invalidation information from the electronic transaction Tr, said electronic transaction taking into account a reduction amount MtR; sending an electronic transaction confirmation confirmation Tr to the first terminal Tm and to the second terminal Tu; at least one second terminal Tu comprising a third processor UC3 adapted to: send to the server Sk at least one IR coupon information corresponding to a coupon CP for the service S; receiving from the server Sk a confirmation of the ConfCP support of the coupon CP; - scan said QR-C transaction code; receiving second information 12 from said electronic transaction of the server Sk from the scanned transaction code QR-C; - Send to the server Sk a personal identification number and information validation / invalidation of the electronic transaction, said electronic transaction taking into account a reduction amount MtR; - Receiving an electronic transaction confirmation Conf Sk server. In a non-limiting embodiment, the second processor UC2 Sk server is further adapted to credit the amount Mt of the transaction a first seller electronic money account Cpt1 linked to the first Tm terminal and debit the amount Mt of the transaction a second electronic money account buyer Cpt2 linked to the second terminal Tu.

In one nonlimiting embodiment, the second processor UC2 of the server Sk is further adapted to transmit from the server Sk a transaction order Ot corresponding to the electronic transaction validated in the server Sk to bank servers Sbq adapted to manage accounts to be credited and debited relating to said electronic transaction Tr. In a first nonlimiting embodiment, the coupon information IR is a coupon CP and the second processor UC2 is further adapted to: generate a QR reduction code -R corresponding to the coupon CP; - Send said QR-R reduction code to the second terminal Tu; receiving from the first terminal Tm a validation / invalidation information IVALR of the coupon CP. For this first mode, in a non-limiting embodiment, the first processor UC1 is further adapted to: scan the QR-R reduction code; send to the server Sk a validation / invalidation information IVALR of the coupon CP. For this first mode, in a non-limiting embodiment, the third processor UC3 is further adapted to: - receive from the server Sk said QR-R reduction code; - Receive from the server Sk a Confirmation of ConfCP support of the coupon CP.

In a second nonlimiting embodiment, the second processor UC2 is further adapted to: receive the IR coupon information after sending the second terminal Tu second information 12 of said electronic transaction from the QR scanned transaction code -VS ; modifying the electronic transaction Tr by deducting the amount of reduction MtR in the electronic transaction Tr; sending a confirmation confirmation of modification ConfM of the electronic transaction to the first terminal Tm and to the second terminal Tu. For this second mode, in a non-limiting embodiment, the first processor UC1 is further adapted to: receive from the server Sk a confirmation of modification ConfM of the electronic transaction. For this second mode, in a non-limiting embodiment, the third processor UC3 is further adapted to: receive from the server Sk second information 12 of said electronic transaction from the scanned transaction code QR-C before sending to the server Sk the IR coupon information; receiving from the server Sk a confirmation of modification ConfM of the electronic transaction.

In a non-limiting embodiment, the server Sk comprises a data repository Bdd, illustrated in FIG. 7, in which: the CP reduction coupons proposed by the different sellers are recorded; the coupon coupon instances generated by the users are recorded (thus, a user of a second terminal is registered with such coupon instance); the electronic transactions Tr between the first terminal Tm and a second terminal Tu are recorded, whether the transactions are in progress, canceled or validated; the generated QR-C transaction codes are recorded; - we register the electronic money accounts seller Cpt1 and buyer Cpt2. Thus, the database Bdd includes an electronic money account associated at least with each user (buyer, seller), and where appropriate with each first terminal Tm, of the application implementing the method of performing a transaction. described. In a non-limiting embodiment, the data repository Bdd comprises: a log Lg of all the actions performed by the first Tm and second terminal Tc; the Obj objects related to the transaction (the items purchased) It will be noted that the implementation of the method of carrying out a transaction described above can be carried out by means of a programmed micro software device, a wired logic and / or hardware electronic components. Thus, the system for carrying out a SYS transaction may comprise one or more computer program products comprising one or more instruction sequences executable by an information processing unit such as a microprocessor, or a data processing unit. processing a microcontroller, an ASIC, a computer etc., the execution of said instruction sequences for implementing the method described.

Such a computer program can be written in ROM type writable nonvolatile memory or EEPROM or FLASH type rewritable non-volatile memory. The said computer program can be registered in the factory or loaded into memory or downloaded remotely in memory. The instruction sequences can be sequences of machine instructions, or sequences of a control language interpreted by the processing unit at the time of their execution. In the non-limiting example of FIG. 3, a first computer program PG1 is written in a memory of the first terminal Tm, a second computer program PG2 is written in a memory of the payment server Sk and a third computer program PG3 is written in a memory of the second terminal Tu. Thus, the first computer program product PG1 comprises one or more instruction sequences executable by an information processing unit, the execution of said instruction sequences allowing implementation of the steps of the method of producing a program. transaction, when loaded on a computer, previously described steps performed by the first terminal Tm.

Thus, the second computer program product PG2 comprises one or more instruction sequences executable by an information processing unit, the execution of said instruction sequences allowing implementation of the steps of the method of producing a transaction, when loaded on a computer, previously described steps performed by the server Sk. Thus, the third computer program product PG3 includes one or more instruction sequences executable by an information processing unit, the execution of said instruction sequences allowing implementation of the steps of the method of performing a transaction, when loaded on a computer, previously described steps performed by the second terminal Tu.

Of course the description is not limited to the application, embodiments and examples described above. Thus, in a non-limiting embodiment, the sending / receiving of a request for the creation of a transaction, information, an order Ot, a transaction code relating to an electronic transaction Tr can occur. perform using other protocols such as Remote Procedure Call (RPC), Common Object Request Broker Architecture (CORBA), or proprietary TCP-based protocol. These protocols being well known to those skilled in the art, they are not described here.

Thus, the disclosed invention has the following advantages in particular: it makes it possible to have dematerialized electronic transactions, that is to say without the use of bank cards and without conventional payment terminals, the electronic transaction being effected between two terminals via a payment server; - It avoids a user to search which coupon is associated with which merchant, which product. The user does not have to worry if he has lost a coupon or not; - it reduces transaction costs related to traditional interbank fees and thus increases the operating margin of our partners. - it allows merchants to benefit from a faster repayment than in the case of a transaction made through an electronic payment terminal - it allows to advance the fight against electronic money fraud, since no one can proceed to a transaction without the PIN code, unlike credit cards, whose details can be stolen to pay on sites that do not use the 3D Secure protocol; - it makes it possible to combat tax evasion since all transactions are registered and therefore declared; - it allows to carry out an electronic transaction even in case of loss of credit card; it uses second terminals such as commonly used mobiles; - it allows: - to pay in cash at a merchant - to repay a friend - to pay on the internet - to pay an object or make a donation in the street (by scanning a transaction code from a poster); - It allows a buyer user to register (creation of his profile) directly on his terminal; - It allows a merchant to receive a payment on a tablet or a smartphone for example; - it is secure because of the use of the PIN; - it allows merchants to collect and cross data on the consumption habits of its customers; - it allows merchants to retrieve and cross data on the profiles of its customers; - it allows users to make transfers instantly, at no cost; - It allows registered users to make transfers instantly, without having to enter multiple times their RIB it allows registered users to make transfers instantly, at no cost; - it makes it possible to remedy the absence of ATM in certain urban or rural areas; it allows users to prepay and credit electronic money accounts and not just pay for the deed. Users have a balance in their e-money account. They can therefore re-credit their balance in their bank account. it makes it possible to transit the electronic money via the system for carrying out the transaction in escrow accounts (via the third party servers of the approved organization.

Claims (21)

REVENDICATIONS1. A method of performing an electronic transaction (Tr) of a service (S) between a server (Sk), a first terminal (Tm) and a second terminal (Tu), the method comprising the steps of: - receiving by the server (Sk) at least one coupon information (IR) corresponding to a coupon (CP) sent by the second terminal (Tu); sending from the server (Sk) to the first terminal (Tm) at least one coupon information (IR); - send by the server (Sk) a confirmation of support (ConfCP) coupon (CP) to the first terminal (Tm) and to the second terminal (Tu); receiving by a server (Sk) from the first terminal (Tm) an electronic transaction creation request (Tr) corresponding to a requested service (S), said creation request comprising a transaction amount (Mt); - Saving in the server (Sk) the first information (11) of said electronic transaction (Tr); sending from the server (Sk) to the first terminal (Tm) the first information (11) on said electronic transaction (Tr); - Generate by the server a transaction code (QR-C) comprising an identifier (Id) of said electronic transaction (Tr); sending by the server (Sk) to the first terminal (Tm) the transaction code (QR-C); sending from the server (Sk) to the second terminal (Tu) second information (12) of said electronic transaction from the scanned transaction code (QR-C) by the second terminal (Tu); receiving by the server (Sk) a personal identification number (PIN) and validation / invalidation information (IVAL) of the electronic transaction (Tr) sent by the second terminal (Tu), said electronic transaction taking account of a reduction amount (MtR) of the coupon (CP); - send an electronic transaction confirmation (Tr) from the server (Sk) to the first terminal (Tm) and to the second terminal (Tu). 2. Method according to claim 1 or claim 2, wherein the coupon information (IR) is a coupon (CP) and in that the method further comprises the additional steps of: - generate by the server (Sk) a discount code (QR-R) corresponding to the coupon (CP); sending by the server (Sk) said reduction code (QR-R) to the second terminal (Tu); - Receive by the server (Sk) validation / invalidation information (IVALR) coupon (CP) sent by the first terminal (Tm). 3. Method according to the preceding claim, wherein the method further comprises the additional steps of: - receiving by the second terminal (Tu) said reduction code (QRR) sent by the server (Sk); - Scan said reduction code (QR-R) by the first terminal (Tm); - Send the first terminal (Tm) to the server (Sk) coupon validation / invalidation (IVALR) information (CP). 4. Method according to claim 1 or claim 2, wherein the step of receiving the coupon information (IR) sent by the second terminal (Tu) is performed after the step of sending the server (Sk) at the second terminal (Tu) second information (12) of said electronic transaction from the scanned transaction code (QR-C), and in that the method further comprises the additional steps of - modifying by the server (Sk) the electronic transaction (Tr) by deducting the reduction amount (MtR) in the electronic transaction (Tr); - sending by the server (Sk) a confirmation of modification (ConfM) of the electronic transaction to the first terminal (Tm) and to the second terminal (Tu). 5. Method according to the preceding claim, wherein the method further comprises the additional step of receiving by the first terminal (Tm) and the second terminal (Tu) a confirmation of change (ConfM) of the electronic transaction sent by the server (Sk). 6. Method according to any one of the preceding claims, wherein the method further comprises the additional steps of: - sending the second terminal (Tu) to the server (Sk) at least one coupon information (IR) corresponding to a coupon (CP) for the service (S); - Receive by the first terminal (Tm) at least coupon information (IR) sent by the server (Sk); - Receive by the first terminal (Tm) and the second terminal (Tu) a confirmation of support (ConfCP) coupon (CP) sent by the server (Sk); sending from the first terminal (Tm) to the server (Sk) the electronic transaction creation request (Tr) corresponding to a requested service (S); receiving by the first terminal (Tm) first information (11) on said electronic transaction (Tr) sent by the server (Sk); receiving by the first terminal (Tm) the transaction code (QRC) generated by the server (Sk); - Scan said transaction code (QR-C) by means of a second terminal (Tu); - Receive by the second terminal (Tu) second information (12) of said electronic transaction from the scanned transaction code (QR-C) sent by the server (Sk); sending from the second terminal (Tu) to the server (Sk) a personal identification number (PIN) and an information validation / invalidation (IVAL) of the electronic transaction (Tr), said electronic transaction taking into account a reduction amount (MtR) coupon (CP); - Receive by the first terminal (Tm) and to the second terminal (Tu) an electronic transaction confirmation (Tr) sent from the server (Sk). The method according to any one of the preceding claims, wherein the method further comprises an additional step of crediting the amount (Mt) of the transaction with a first vendor electronic money account (Cpt1) linked to the first terminal (Tm) and to debit from the amount (Mt) of the transaction a second buyer electronic money account (Cpt2) linked to the second terminal (Tu). 8. Method according to any one of the preceding claims, wherein the method further comprises an additional step of transmitting from the server (Sk) a transaction order (Ot) corresponding to the electronic transaction validated in the server (Sk) bank servers (Sbq) adapted to manage accounts to be credited and debit relating to said electronic transaction (Tr). The method of any one of the preceding claims, wherein the generated transaction code is a QR-Code®. 10. Method according to any one of the preceding claims, wherein the first terminal (Tm) is: - a cash register or an automatic cash register; or - a personal computer; or - a mobile phone; or - a portable tablet; and the second terminal (Tu) is: - a mobile phone: or - a portable tablet. 11. A method according to any one of the preceding claims, wherein the coupon (CP) comprises: - name of the offer of the coupon - the amount of the reduction (MtR); - a date of online posting of the coupon; - a date of availability of the coupon; - a coupon activation date; - a date of end of use of the coupon; - limitations of this coupon; - a country where the coupon is valid; - a coupon identifier (IdCP); - at least one seller identifier; - a creation date; - a date of last modification. 12. Method according to any one of the preceding claims, wherein the first information received (11) by the first terminal (Tm) comprises an identifier (Id) of the electronic transaction (Tr). 13. Method according to any one of the preceding claims, wherein the first information received (11) by the first terminal (Tm) further comprises: - a state (St) of the electronic transaction; - a type (Ty) of the electronic transaction; - the amount (Mt) of the electronic transaction; - a description (Ds) of the electronic transaction; - a date (Dt) of creation. 14. First terminal (Tm) adapted to cooperate with at least one server (Sk) and at least one second terminal (Tu) for implementing the method of performing an electronic transaction (Tr) according to any one of the claims. 1 to 13, said first terminal comprising a first processor (UC1) adapted to: - receive from the server (Sk) at least one coupon information (IR); - Send an electronic transaction creation request (Tr) to the server (Sk) corresponding to a requested service (S); receiving from the server (Sk) first information (11) on said electronic transaction (Tr); receive a transaction code (QR-C) generated by the server (Sk); receive from the server (Sk) an electronic transaction confirmation (Tr). 15. Server (Sk) adapted to cooperate with at least one first terminal (Tm) and at least one second terminal (Tu) for implementing the method of performing an electronic transaction (Tr) according to any one of the claims. 1 to 13, said server (Sk) comprising a second processor (UC2) adapted to: - receive from the second terminal (Tu) at least one coupon information (IR) corresponding to a coupon (CP) for the service (S); - send at least coupon information (IR) to the first terminal (Tm); - send a confirmation of acceptance (ConfCP) of the coupon (CP) to the first terminal (Tm) and to the second terminal (Tu); - Receive from the first terminal (Tm) an electronic transaction creation request (Tr) corresponding to a requested service (S), - save first information (11) of said electronic transaction (Tr); sending to the first terminal (Tm) the first information (11) on said electronic transaction (Tr); generating a transaction code (QR-C) comprising an identifier (Id) of said electronic transaction (Tr); sending to the first terminal (Tm) the transaction code (QR-C); sending the second terminal (Tu) second information (12) of said electronic transaction from the scanned transaction code (QR-C); receiving from the second terminal (Tu) a personal identification number (PIN) and validation / invalidation information (IVAL) from the electronic transaction (Tr), said electronic transaction taking into account a reduction amount (MtR) of the coupon (CP); - send an electronic transaction confirmation (Tr) to the first terminal (Tm) and to the second terminal (Tu). 16. Server (Sk) according to the preceding claim, wherein the coupon information (IR) is a coupon (CP) and in that the second processor (UC2) is further adapted to: - generate a reduction code ( QR-R) corresponding to the coupon (CP), - sending said reduction code (QR-R) to the second terminal (Tu); receiving from the first terminal (Tm) validation / invalidation information (IVALR) of the coupon (CP). 17. Server according to the preceding claim 15, wherein the second processor (UC2) is further adapted to: - receive the coupon information (IR) after sending the second terminal (Tu) second information (12) of said electronic transaction from the scanned transaction code (QR-C); - modify the electronic transaction (Tr) by deducting the reduction amount (MtR) in the electronic transaction (Tr); - send a confirmation of modification (ConfM) of the electronic transaction to the first terminal (Tm) and to the second terminal (Tu). A server according to any one of the preceding claims 15 to 17, wherein the second processor (UC2) is further adapted to credit the amount (Mt) of the transaction a first vendor electronic money account (Cpt1) related to the first terminal (Tm) and debiting from the amount (Mt) of the transaction a second buyer electronic money account (Cpt2) linked to the second terminal (Tu). 19. Server according to any one of the preceding claims 15 to 18, wherein the second processor (UC2) is further adapted to transmit a transaction order corresponding to the electronic transaction validated in the server (Sk) to banking servers ( Sbq) adapted to manage accounts to be credited and debit related to said electronic transaction (Tr). 20. Second terminal (Tu) adapted to cooperate with at least one server (Sk) and at least one first terminal (Tm) to implement the method of performing an electronic transaction (Tr) according to any one of the claims. 1 to 13, said first terminal comprising a third processor (UC3) adapted to: - send to the server (Sk) at least one coupon information (IR) corresponding to a coupon (CP) for the service (S); - scan said transaction code (QR-C); - receiving from the server (Sk) second information (12) of said electronic transaction from the scanned transaction code (QR-C); - Send to the server (Sk) a personal identification number (PIN) and validation / invalidation information (IVAL) of the electronic transaction (Tr), said electronic transaction taking into account a discount amount (MtR) of the coupon (CP); - receive from the server (Sk) an electronic transaction confirmation (Tr). 21. System (SYS) for performing an electronic transaction of a service (S), the system comprising: - at least one first terminal (Tm) according to claim 14; - a server (Sk) according to any one of claims 15 to 19; at least one second terminal (Tu) according to claim 20.