FR2995711A1 - Method for payment by communicating equipment of e.g. vending machine, in parking bay, involves emitting request for release of payment of amount for product or service from user account registered with telecommunications network operator - Google Patents

Abstract

The method involves receiving, by an interface of communicating equipment (HDT), an identification of a product or service selected by a user (USR1) among a set of products and/or services, and receiving a transaction key allocated to the user to carry out a payment for the selected product or service. An amount to be paid for the selected product or service is determined, and a request is emitted for release of payment of the amount, in a transaction platform (BLPF), from the user account registered with a telecommunications network operator and associated with the transaction key. Independent claims are also included for the following: (1) a communicating equipment (2) a mobile terminal.

Description

The invention relates to a payment method implemented by means of a communicating equipment, for the purpose of providing a payment method and a payment system adapted to a coin-operated equipment or automatic dispenser. a product or service selected by a user. Such methods may in particular be used to allow motorists to pay to occupy a parking space for a period of their choice, without requiring the implementation of a credit card or a subscription by the user to a subscription particular, or the use of coins. 2. Prior Art Such parking payment methods are already in place in some cities. As a general rule, the known methods require the user to send a message of the SMS (Short Message Service) type, denoting a data transmission service, by messages transmitted via a mobile telecommunication network. ,) by means of its mobile terminal to a transaction platform identified by a short number (or short id) corresponding to an SMS server appearing on a time stamp, which SMS message must indicate the number plate number of the vehicle of the 'user. The time stamp usually offers several numbers, each corresponding to a predetermined parking time distinct from that corresponding to other proposed numbers. After transmission to the number he has entered of a message containing his license plate number, the user receives from the transaction platform a transaction confirmation message, which is not subject to any materialization. on the spot, that is to say in particular that the user does not have a proof of payment stamped printed by a time stamp. The price of the parking period chosen by the user will be reflected on the invoice that will be issued by a mobile telecommunication network operator (well-known concept, corresponding to the standardized name MNO, for "Mobile Network Operator"), from which the user has previously subscribed a subscription that allows him to send and receive the SMS type messages described above.

According to the above principle of operation, in order to be able to verify that a vehicle is lawfully parked, a verbalizing agent must be provided with a means of direct communication with the transaction platform storing each number of license plate in association with a representative time stamp. of the date of receipt of the SMS message, in order to be able to transmit it on the basis of the license plate number of the vehicle being checked by the agent, and to inform by return to this agent whether a Parking has been acquired for the vehicle corresponding to this number and, if so, for which rate zone, what amount was paid, and what is the remaining time or how long the parking fee has expired. 3. Objectives of the invention It follows from the foregoing explanation that a remote payment service for a parking space as described above can be usefully deployed only provided that the wording agents are equipped with specific hardware to query the transaction platform. However, such equipment, for example a Digital Personal Assistant, commonly designated by the abbreviation PDA of the English name "Personal Digital Assistant" well known to those skilled in the art, is in itself very expensive, must be equipped software configured in a certain way, and requires for its use by a verbalising agent training of said agent. At the scale of a city containing several hundred or even thousands of agents, these requirements represent a cost that can become prohibitive. The present invention proposes a solution that does not have this disadvantage, by proposing a parking payment method by which the control of the lawfulness of the parking can be achieved by a verbalizing agent without it being necessary to provide it with any specific material for this purpose. More generally, the present invention also aims at providing mobile device users with a dematerialized payment solution for a product or service that does not require a specific subscription (apart from any subscription to the subscription). mobile network operator), or implementation of a bank card, and whose only constraint for the supplier of said product or service is the need to have an interface for inputting data produced by the user and for means of communication with a remote transaction platform. 4. DESCRIPTION OF THE INVENTION Indeed, according to a functional aspect, the invention relates to a payment method implemented by means of a communicating equipment, including, during a payment phase: a reception step, by an interface of the communicating equipment, an identification of at least one product or service selected by a user from a set of products and / or services, - a reception step, via an interface of the communicating equipment, a transaction key, allocated to said user to make a payment for a supply of at least one product or service of said set, and - a step of determining an amount due in exchange for the providing said at least one product or service selected by the user, - a step of sending, by the communicating equipment, a request for triggering by a remote transaction platform, a payment of said amount by means of an account client, registered with an operator of a telecommunications network and associated with said transaction key. According to the invention, the fact that the user has a transaction key provided by the transaction platform means that the user has a customer account registered with an operator, which authorizes him a priori to make a payment using the transaction key registered in association on the transaction platform. Certain conditions of the payment transaction are indeed defined at the time of the allocation of the transaction key to the user having a customer account registered with an operator (identification of the customer account and / or the user, identification the network operator and all the services / products compatible with the payment method by transaction key), but the other conditions (in particular, the determination of the amount due and the conditions for acceptance of the payment by the operator where the user is registered) will be verified during the payment transaction triggered on the communicating equipment. The verification carried out by the communicating equipment with the transaction platform thus somewhat confirms the authorization granted a priori to the user for the use of the transaction key as a means of payment. Thus, when the user actually interacts with the communicating equipment, he is already in possession of the transaction key, so that the transaction will be performed within a short time after selection of the desired product or service by the user, and verification by the communicating equipment of the validity of the transaction key, which has a double advantage: - on the one hand, the waiting time for other users of the communicating equipment is reduced, and - other On the other hand, the risk of interference between successive users of the communicating equipment is practically non-existent, since each user will be provided with a key of his own and that he will have obtained without soliciting in any way the communicating equipment. In addition, the transaction key is allocated to said user to make a payment of an undetermined amount at the time of the allocation, this amount being determined only later in the subsequent payment phase, depending on the product and / or service selected. The transaction key is therefore usable for the provision of any product or service from a set of products and / or services, available or respectively accessible from one or more communicating equipment compatible with the transaction key payment method . The key allocation mechanism is thus simplified, independent of the product or service for which it will be used, because it is not necessary to know during the key allocation phase what will be the amount due, for which this key transaction is generated. The key allocation mechanism is further independent of the communicating equipment or devices on which the transaction key will be used: the user can choose any product / service on any communicating equipment, as long as the equipment communicant is compatible with the transaction key payment method described here.

The conditions of each payment transaction usually depend on a specific context in which the user is located, a particular mode of implementation provides that the transaction key has a predetermined duration of validity Moreover, the amount due for the supply of the product or service selected by the user may be capped, in which case the transaction key will be assigned to said user to make a payment of a predetermined maximum amount. In other embodiments of the invention, the transaction key will be assigned to said user to make a payment of an amount determined according to said selected product or service, without a cap. The interface used for the reception of the transaction key and / or for the identification of the product and / or service selected may be constituted by an interface already present on the communicating equipment, for example by a keypad or buttons. selection for manual entry of the transaction key and / or the choice of the user. Thus, only a software reconfiguration, or even a slight hardware update, allows the implementation of the invention. The interface used for receiving the transaction key and / or for the identification of the selected product and / or service may also be constituted by a reader allowing automated data entry stored in a terminal of the user: a reader NFC (Near Field Communication) or RFID (Radio Frequency Identification) or a barcode reader, etc.

The supply of the product and / or service by the communicating equipment can be carried out in different ways. In one embodiment, the payment method comprises a step of providing, by the terminal, a hardware object corresponding to said at least one selected product or service. This embodiment of the invention is well suited to a beverage dispensing or other application in which the communicating equipment is a vending machine: the material object provided will be the drink or drinks selected by the user from the set of available drinks that may be provided by the vending machine. This embodiment of the invention is also well suited to a parking payment application, in which the communicating equipment is a time stamp, producing and delivering a ticket, in the form of a parking ticket, which can be placed by the user inside his vehicle, clearly visible from the outside, to justify the lawfulness of his parking. The material object is here the parking ticket corresponding to the parking period chosen from a set of tickets corresponding to the different possible parking periods.

It is thus possible to offer the user a dematerialized payment solution, without it being necessary to provide the verbalising agents with specific parking law enforcement means capable of communicating with the transaction platform. This embodiment of the invention is particularly clever in that it makes use of ticket production means generally included in local payment terminals such as time stamps, by simply modifying the conditions in which these terminals communicate. with their outside environment. In addition to the supply of the said product or service, a payment certificate may be produced and delivered to the user. According to a first variant embodiment, the method comprises a step of production, by the communicating equipment, of a certificate representative of an acceptance of said payment made by means of said transaction key. Advantageously, in the case of the parking application, the payment certificate and the ticket produced by the communicating equipment can be one. According to a second variant embodiment, the method comprises a step of producing, by the transaction platform, a certificate representative of an acceptance of the payment made by means of said transaction key, in exchange for a code, identifying the payment transaction made using the transaction key. This code is provided to the user following the payment: the code is for example displayed on the communicating equipment or transmitted to a mobile terminal associated with said customer account. Thus, the user can obtain a posteriori, when he needs it, this payment certificate.

The allocation of the transaction key can be performed in various ways. According to one embodiment of this allocation, the payment method comprises, during a transaction key allocation phase prior to the payment phase, a reception step, originating from a terminal of a request. for obtaining a transaction key, - a step of generating said transaction and storage key in association with said transaction key of identification data of a customer account registered with an operator of a network telecommunication, - a step of transmitting the generated transaction key to said terminal The customer account identification data comprise for example a terminal identifier and possibly an identification of the operator of the telecommunications network through which the request is received. When the telecommunication network is a mobile telecommunication network, an implicit authentication of the client account and the user is done using the Mobile Station ISDN Number (MSISDN) or an encrypted MSISDN obtained when the mobile terminal is connected to the mobile network. mobile telecommunication and to the transaction platform via the mobile telecommunication network. The network operator therefore has customer account identification data. The request for obtaining a transaction key is sent by SMS, sent to a predetermined number associated with the transaction platform.

This embodiment makes it possible to proceed to the invoicing and the imputation of the amount due after selection of the product and / or service and according to the selected product and / or service. According to a first embodiment of this allocation, the request for obtaining a transaction key comprises a personal code chosen by the user, intended to be stored in association with the transaction key, to be provided by said user to the user. communicating equipment then to be joined by the communicating equipment to the request for verification of the transaction key. This first variant allows the user to secure his transaction key by means of a code of its own, avoiding that someone other than him makes use of this transaction key to his benefit. According to a second variant embodiment of this allocation, the request for obtaining a transaction key comprises an identifier of the communicating equipment, intended to be stored in association with the transaction key. In this other mode, the communicating equipment transmits a request for verifying the validity of the transaction key to the transaction platform, which checks whether the communicating equipment transmitting the verification request and the communicating equipment whose identifier is stored in association with the transaction key are part of a group of payment terminals meeting the same criterion. Thus, the transaction platform only validates the transaction key thus received if the communicating equipment transmitting the verification request, identified in this verification request, and the communicating equipment whose identifier of the communicating equipment is memorized. in association with the transaction key are part of a group of payment terminals meeting a criterion, for example a geographical criterion. This second variant makes it possible to guarantee that the transaction key will only be used on the communicating equipment identified by this identifier of the communicating equipment, or, optionally, on a terminal of a group of terminals directly adjacent to the communicating equipment. specified by the user. This limits the chances of another user discovering a valid transaction key by successive trials. Billing can be done in a variety of ways. According to one embodiment of this billing, the method includes, during the payment phase, a step of charging said determined amount to the customer account, this customer account having been used, during a key allocation phase transaction prior to the payment phase, by a client user of said operator to issue, by means of a terminal adapted to use this client account, a request for obtaining a transaction key via said telecommunications network.

The customer account can be either a prepaid account or a subscriber account. This embodiment gives the operator the role of a trusted third party, which in principle gives the user some form of guarantee as to hypothetical abuse of billing by the supplier of the products or services. services that will be billed to him. The imputed amount is further determined according to the product and / or service selected, which allows to use this method of payment and billing in a flexible manner, for any type of product and service, in particular without having to define an amount due to the timing of the allocation of the transaction key. The transaction key allocation process can then be generic, potentially independent of the product and / or service that can be selected later. Different conditions are checked before making the payment. The method thus comprises, during the payment phase, a step of checking the validity of said transaction key and a step in which a server of said operator checks whether at least one payment acceptance condition is fulfilled in view of the state of said customer account. According to a first embodiment of this verification, when the customer account is a subscriber account, a server of said telecommunication network operator checks whether said subscriber account is active. This ensures that the amount due can be charged to an invoice of this subscriber or taken from a bank account. The method described above then includes a step of charging the amount due to a bank account specific to the user or charging the amount due in an invoice issued to the user. According to a second embodiment of this allocation, when the customer account is a prepaid account, a server of said telecommunication network operator checks whether a remaining available amount, that is to say unused, on the prepaid account is greater or equal to the amount due. Other conditions can also be verified according to the rules specific to the operator. This ensures that the amount due can be charged to this prepaid account. The method described above then includes a step of charging the amount due on the remaining amount of the prepaid account.

According to a material aspect, the invention also relates to communicating equipment including: an interface for receiving an identification of at least one product or service selected by a user from a set of products and / or services; an interface for receiving a transaction key, allocated to said user in order to make a payment in return for a supply of at least one product or service of said set, and means for determining an amount due in exchange for the provision of said at least one product or service selected by the user, - means for transmitting, by the communicating equipment, a request for triggering by a remote transaction platform, a payment of said amount by means of a customer account, registered with an operator of a telecommunications network and associated with said transaction key. Among other embodiments of this hardware aspect, the invention also relates to a time stamp including a communicating equipment as described above, and a vending machine including such communicating equipment. According to another material aspect, the invention also relates to a mobile terminal comprising: transmission means, via a telecommunication network, using a customer account registered with an operator of said telecommunications network and activated on said mobile terminal a request to obtain a transaction key for use in making a payment for a supply of at least one product or service of a set of products and / or services; means for storing said transaction key received in response to said request; means for transmitting said transaction key to a communicating device as described above, said device transmitting, following said transmission, a request for triggering by a remote transaction platform, a payment by means of said client account, an amount due in respect of the provision of at least one product or service selected by a user in said set of products and / or services.40 5. List of figures Other features and advantages of the invention will become more apparent clearly on reading the following description of various embodiments of the invention, given by way of illustrative and non-limiting examples, with reference to the appended drawings in which: FIG. 1 is a functional diagram which describes a system and a remote payment method according to one embodiment of the invention; and Fig. 2 is a block diagram illustrating the operation of a payment service platform according to a particular embodiment of the invention. 6. DESCRIPTION OF AN EMBODIMENT OF THE INVENTION 6.1 GENERAL PRINCIPLE The general principle of the invention is based on the implementation of a transaction transaction key, generated by a remote transaction platform at the request of a user and transmitted by this user to a local communicating device. The fact that the user has a transaction key provided by the transaction platform means that the conditions of the transaction are well defined and a priori approved by the two entities, subject to acceptance of the amount invoiced by the network or the information system of the mobile operator of which said user is a customer. A simple verification of the validity of the transaction key, operated by the communicating equipment with the transaction platform, is followed by a billing request to the network or the information system of the mobile operator of which said user is client, which validates and triggers the transaction. 6.2 Description of an embodiment FIG. 1 illustrates an SYST communication system in which a payment method according to the invention is implemented. According to this method, when a user USR1 plans to carry out a transaction with a local communicating device HDT to obtain the supply of a product or service, he requests, in a transaction key allocation phase, from a transaction platform BLPF by means of a mobile terminal UT1 of its own, a transaction key Ak. Then, in a payment phase, it uses this transaction key to make the payment due in exchange for the supply of the product and / or service selected by the user on the communicating equipment. Transaction key allocation phase To obtain the transaction key, the mobile terminal UT1 sends a request AkRq to the transaction platform BLPF, for example in the form of an SMS message, or a message using another data transmission service available in the mobile telecommunication network. The request carries a user-specific identifier USR1, such as an MSISDN number (Mobile Station ISDN Number), encrypted or not. In the remainder of the description, assuming that either the MSISDN number is used systematically, or the encrypted MSISDN number is systematically used. For simplicity, we will speak simply of MSISDN number without specifying the chosen option. The request is routed via a CNTW1 communication network specific to a mobile telecommunications network operator whose user USR1 is a customer: this user therefore has a customer account, registered with this mobile network operator, in the form of a subscriber account (in case of subscription subscription) or a prepaid account (in case of subscription without subscription). Identification data of this client account, including in particular the MSISDN number of the mobile terminal that issued the request AkRq and optionally an identification of the operator of the telecommunications network through which this request was received, are stored in association with the transaction key generated in response to this request. In response to this request AkRq, the transaction platform BLPF generates a transaction key Ak, for example a sequence of 6 to 8 alphanumeric characters or 8 to 12 digits, which has been unequivocally associated by the transaction platform BLPF to the user-specific identifier USR1 constituted in the example mentioned above by its MSISDN number. This transaction key Ak is then transmitted by the transaction platform BLPF to the mobile terminal UT1 via the communication network CNTW1.

Payment Phase The USR1 user uses an interface (menus and / or selection buttons in a list, for example) of the HDT communicating equipment to select a product and / or service. In an application of the invention to the parking payment, the user selects a parking time via the interface (KPD, SCR) of the communicating equipment HDT. Thanks to an interface which is provided with the HDT communicating equipment, including for example a KPD keyboard and an SCR screen, or even a code reader, the transaction key Ak is provided by the user to the communicating equipment. The USR1 user of the mobile terminal UT1 can then select the product or service he wishes to supply.

The communicating equipment HDT, which includes transmitting / receiving means IOM, then transmits to the transaction platform BLPF, via a communication network CNTW2 which may or may not be distinct from the communication network CNTW1 implemented for communications between the USR1 user and the BLPF transaction platform, an AkAuthRq trigger request by a remote transaction platform, a payment by means of a customer account, registered with an operator of a telecommunications network and associated with said transaction key. This request implicitly constitutes an AkAuthRq verification request for the validity of the said transaction key Ak. The AkAuthRq request preferably includes the amount due TrCst. The verification performed by the BLPF transaction platform consists in verifying that the transaction key is part of a set of valid keys and that the transaction key has not already been used. When the transaction key has a predetermined validity period, the transaction platform BLPF furthermore verifies that the validity period of the key has not expired. This AkAuthRq request, also serves, when the transaction key is valid and possible error (for example, transmission error, wrong request format, etc.), to trigger a payment transaction of an amount due TrCst corresponding to the product and / or service selected. This amount due is determined by the communicating equipment and then transmitted to the BLPF transaction platform, for example in the AkAuthRq verification request or in a subsequent TrCst message. A message carrying the amount TrCst of the transaction is for example transmitted by the transaction platform BLPF to an NTWBS billing server of a compatible telecommunications network operator, identified from the customer account identification data stored with the transaction key. The NTWBS billing server of this operator then triggers a payment transaction, in order to impute the amount due by means of a customer account registered with this operator.

If the customer account is a subscriber account, the NTWBS billing server first verifies that the customer account is still active (that is, the subscription has not been terminated) and then triggers a payment transaction so that the amount due is incorporated into an MBL invoice (TrCst) that will be sent soon to this USR1 user or be directly deducted from a bank account associated with this customer account. In the case of a deactivated customer account, the NTWBS billing server will signify the refusal of payment to the BLPF transaction platform, which will transmit to the communicating equipment a message indicating that the transaction key is not valid. If the customer account is a prepaid account, without subscription, the mobile telecommunications network operator of which he is a customer will deduct the amount due from the balance (amount paid, unused, remaining on the prepaid account) of the prepaid account of this user. In case of insufficient balance of the prepaid account, the billing server NTWBS will signify the refusal of payment to the transaction platform BLPF, which will transmit to the communicating equipment a message indicating that the transaction key is not usable for payment, indicating the balance of the prepaid account and / or that the balance of the prepaid account is insufficient.

In the event that the amount due in return for the supply of the product or service chosen by the USR1 user exceeds the balance of the USR1 prepaid account, the communicating equipment, the transaction platform will inform the equipment. communicating HDT in the AkAuth message and a message informing the user of this problem will be displayed on the SCR screen of the communicating equipment.

The user USR1 will then be able to modify his choice and select a product or service compatible with the maximum amount available, then validate this new choice by again providing the same transaction key Ak if the predetermined validity period of this transaction key Ak n ' has not yet expired. In the case where the transaction key is valid and the payment acceptance conditions are fulfilled, the communicating equipment will receive a message signifying acceptance of the payment. An information message may then be displayed on the communicating equipment to inform the user of the acceptance of the payment. In another embodiment not shown, the message, carrying the amount TrCst of the transaction, is transmitted by the transaction platform BLPF to the billing server NTWBS of the mobile telecommunications network operator of the user USR1 via a gateway GW1 carrying SMS-MT SMS messages (SMS Mobile Terminated). The amount TrCst is inserted in a field UCP (Universal Computer Protocol) of the message SMSMT containing a certificate representative of an acceptance of the payment made, attestation produced by the platform of transaction BLPF. The gateway GW1 is connected to the SMS-C (SMS Center) of the mobile telecommunications network operator of the user USR1. The user USR 1 is identified from the customer account identification data stored with the transaction key. The transmission of the SMS-MT message containing the certificate, representative of an acceptance of the payment made, is transmitted by the gateway to the SMS-C only if the account assignment TrCst is accepted by the billing server. NTWBS of the mobile telecommunication network operator of the USR1 user. If the settlement of the amount is refused by the NTWBS billing server (for example: if the account of the user USR 1 does not have a sufficient balance, or has been terminated, ...), the gateway blocks the sending the SMS-MT message and the user USR1 does not receive this SMS message containing the certificate representing an acceptance of a payment made. According to the invention, when the user USR1 actually interacts with the communicating equipment HDT, he is already in possession of the transaction key Ak representative of the prior identification of a USR1 and its network operator CNTW1 supporting this method , so that the transaction will be carried out in a short time after selection of the desired product or service by the user USR1, and verification, by the communicating equipment HDT, the validity of the transaction key Akn, and the acceptance the payment and the deduction of the amount due on his client account. This has a double advantage: - on the one hand, the waiting time for other users of HDT communicating equipment is reduced, and - on the other hand, the risk of reversal of transaction keys between two users successive users of the HDT communicating equipment are non-existent, since each user will be provided with a transaction key of his own, allocated only to this user and that he has obtained without in any way soliciting the communicating HDT equipment. These risks are further reduced when the uniqueness of each transaction key is guaranteed over a period, typically several months (and in any case much greater than the validity period of the transaction key). The fact that a transaction key is unique over a given period does not prevent this transaction key from being used more than once, that is to say to perform several payment transactions, as long as the validity period of the transaction key has not expired.

A transaction key could also not be used for any payment transaction: in this case, it will become invalid at the end of its validity period, without any other operation being necessary for the user. The risk of fraud by a user guessing by successive trials a transaction key assigned to another user will be reduced if the validity period of a transaction key is limited, reduced to the time that is necessary to comfortably complete the payment transactions. any circumstance, such as a duration of 30 minutes. In some applications of the invention, as in the context of parking payment management, the local HDT communicating equipment will be implemented for the production of payment vouchers, which in the case of a communicating equipment under form, will be time-stamped evidence, indicating the time range in which parking is allowed. In such an application, the method described below will advantageously include; a step of receiving, from said BLPF transaction platform, a message signifying acceptance of the payment and confirming the AkAuth validity of the transaction key Ak produced by the user USR1; and a production step by means of PRNTM production means of which the local HDT communicating equipment is provided, a ticket representing an acquired right for the supply of a product and / or service and, optionally, an RCPT certificate. representative of an acceptance of the payment made by means of said transaction key Ak for the supply of said product or service. Thus, if the HDT local communicating equipment is a time stamp, it may include PRNTM printing means of a parking ticket that the USR1 user may have behind his windshield for the attention of verbalising agents in order to justify the lawfulness of parking, without having to use cash or a bank card to obtain this ticket. This ticket can also serve as a payment certificate if the data contained therein include the data relating to the payment (payment method, date of payment, amount paid, transaction identifier, possibly an identifier of the customer account and / or the mobile terminal used to get the transaction key, etc.). Alternatively, the payment certificate will be issued by the transaction platform, in exchange for a code, identifying the payment transaction made using the transaction key, having been previously displayed on the communicating equipment or having been transmitted. to a mobile terminal associated with the customer account used to obtain the transaction key, for example to the mobile terminal used to obtain the transaction key. In certain applications of the invention, for example in the case of charging the product invoice to the service on a prepaid account, the transaction key Ak is assigned to the user USR1 in order to make a payment of an amount predetermined price In the event that the price of the product or service chosen by this USR1 user would exceed this maximum amount, the transaction platform will inform the HDT communicating equipment by means of an alert message, not shown here, which will be substituted for the AkAuth validity confirmation message and will be displayed on the SCR screen of the communicating equipment. The user USR1 can then modify his choice and select a product or service compatible with the maximum amount available, and validate this new choice by providing again the transaction key Ak if the predetermined validity period of this transaction key Ak has not not yet expired.

Furthermore, the request AkRq issued by the user USR1 to obtain a transaction key Ak from the transaction platform BLPF may include a personal code chosen by the user and intended to be stored in association with the Ak transaction key by the transaction platform. This personal code must then be provided by the user to the communicating equipment, then be joined by the HDT communicating equipment to the AkAuth verification request it will issue to the BLPF transaction platform, which further strengthens the security of the payment process. In another embodiment, the request AkRq issued by the user USR1 for the purpose of obtaining a transaction key Ak from the transaction platform BLPF may include an identifier of the communicating equipment, intended to be stored in memory. association with the transaction key Ak by the transaction platform. The communicating equipment then attaches its identifier of the communicating equipment to the request for verification of the transaction key, and the transaction platform only validates the transaction key received in this verification request if the communicating equipment transmitting the request for verification, identified in this verification request, and the communicating equipment whose identifier of the communicating equipment is stored in association with the transaction key are part of a group of payment terminals meeting a criterion, by example a geographical criterion. For example, it can be ensured that the communicating equipment transmitting the verification request, identified in this verification request, and the communicating equipment whose identifier of the communicating equipment is stored in association with the transaction key are in the same geographical area or close to each other. FIG. 2 is a functional diagram illustrating the operation of the transaction platform BLPF, which in this particular embodiment includes a CDGEN random code generation module associated with a filter guaranteeing the uniqueness of the codes and a stack of FIFO data (First In, First Out) for storing and managing generated codes, each of these codes constituting a transaction key. With this FIFO storage logic, a newly generated code will be stored in the FIFO data stack at the top of the stack and allocated first, in case of a transaction key request. This embodiment allows the BLPF transaction platform to autonomously generate a set of unique random codes. This embodiment also makes it possible to dynamically adapt the rate of production of the codes to the actual operating conditions of the system.

The size of the FIFO data stack will be chosen so that the average storage time of a code within this FIFO data stack is much greater than the predetermined lifetime of the transaction keys. For example, with 10,000 average payment transactions per day, a FIFO data stack size of 1 million codes, the length of time that the uniqueness of a code is guaranteed is more than 3 months.

The size of the keys will be chosen 2 digits higher than the decimal log of the size of the FIFO data stack, for example 8 digits for a FIFO data stack of size 1 million.

An alternative solution, less satisfactory because less flexible to use, may consist of a regular supply, from a supplier specializing in the production of secure codes, a significant number of unique codes pre-generated randomly by said provider for example, several millions of unique codes for one year of operation.

In the exemplary embodiment described here, the CDGEN random code generation module includes a generation module G which implements a nonlinear random function recurring, of type: G (X, Y, Z) = (A- + X ) 5 ± Y + ZY and Z being secret constants such as IYI <10-3, YEN VI <1, z EN The module G is coupled to a G-Ent (G) separation module which is intended to remove the integer part of the real number produced by the module G. The code Cdn ± i is then obtained from the code Cd, in the following manner Cd '± i = ENT (10N [G (Cd', Y, Z) -ENT ( G (Cd ', Y, Z)) 1) where ENT represents the function "integer part" and N is the number of digits of the codes Cd, (N is for example between 8 and 12), an initial code Cd0 being previously chosen with an absolute value less than 1. The G-Ent (G) module produces numbers between 0 and 1, which are multiplied by 10N, followed by the ENT () function to form the Cd, code.

If we want to use an alphanumeric code instead of a base 10 numeric code, we will use a modified base code 34, that is to say by removing from the set of alphanumeric characters the characters 0 (zero) and O (letter O) to avoid confusion when entering. A modified base code 34 thus consists of one of the characters of the following alphabet: 1, 2, 3, 4,5, 6,7,8, 9, A, B, C, D, E, F, G , H, I, J, K, L, M, N, P, Q, R, S, T, U, V, W, X, Y, Z The code Cdn ± i will then be obtained as follows: Cdn ± i = ENT (34N [G (Cd ', Y, Z) -ENT (G (Cd', Y, Z)) 1) The G-Ent (G) separation module re-injects into the generation module G the code Cd, which it has just produced for the generation of the following code Cdn ± i, said Cd code being further conveyed to the FIFO data stack via a filter, which is intended to verify that a code A Cd code is not already registered in the FIFO data stack, in which case the new Cdn code will be rejected by the FLT filter: this guarantees the uniqueness of the codes stored in the FIFO data stack. To enhance security, the pairs (Y, Z) can also be derived from random functions updated automatically as a function of time, for example every week for Y and every month for Z, which makes it possible to increase even more. unpredictability of the random codes Cd ,. When a user plans to purchase a product or service and make the payment via his / her mobile terminal, this user requests from the transaction platform BLPF a transaction key Ak by means of a request AkRq, which takes the form of an SMS-type message, and carries a user-specific identifier, such as an encrypted MSISDN number or not. This request AkRq is received by an SMSV message server, which records the MSISDN number of the user and transmits its request to a key management module KCNT, which passes the request to the FIFO data stack and obtains a key Ak transaction. The key management module KCNT then timestamps this transaction key Ak and transmits it to the SMSV message server, on the one hand, and to an ActKB active key database, on the other hand. The SMSV message server then sends an SMS message containing the transaction key Ak to the MSISDN number of the mobile terminal that issued the request AkRq, so that this transaction key Ak can be produced to a communicating device by the user of the mobile terminal. The communicating equipment will then send to the transaction platform BLPF an AkAuthRq verification request for the validity of the said transaction key Ak, including the amount due TrCst, by means of a communication network which may or may not be separate from the network. communication implemented for communications between the user and the BLPF transaction platform, this AkAuthRq verification request can take various forms, in particular be carried by a message transmitted via a data transport service of a telecommunications network by connecting communicating equipment to the BLPF transaction platform. This AkAuthRq verification request is received by a BMG Billing Management Module, which then queries the ActKB Active Key Database. If the transaction key Ak is present in the active key database ActKB, it will signal it to the billing management module BMG by means of an acknowledgment message AkFnd. The billing management module BMG then transmits a message carrying the amount TrCst of the transaction to a billing server NTWBS of a mobile telecommunications network operator to which corresponds the MSISDN number of the mobile terminal that issued the request AkRq, which For example, this operator will be able to incorporate the billing of the product or service chosen by the user of this mobile terminal into his monthly bill. The billing management module BMG then instructs the SMSV message server to issue a BConf billing confirmation as an SMS message to the MSISDN number of the mobile terminal that initially issued the request AkRq.

In addition, the transaction key Ak has been the subject of a verification request, it is automatically extracted from the ActKB active key database and transferred to a used key database UKB. Finally, a permanent monitoring of the age of the keys stored in ActKB active key database is operated by the key management module KCNT. As soon as the age of an active key Expk reaches a certain predetermined duration, for example 30 minutes, this key Expk must be considered as invalid and the key management module KCNT issues an extraction command of this key Expk of the ActKB active key database, said Expk key then being transferred to an Expk expired key database.

If the invention has been illustrated from the very particular angle of a dematerialized parking payment application, it should be pointed out that, more generally, the present invention proposes to the users of mobile terminals a dematerialized payment solution of a product or service that does not require a specific subscription or implementation of a bank card and which only has for the supplier of said product or service the need to have on the communicating equipment an interface allowing the manual input by the user or automated data reader means of data allocated to the user, and means of communication with a remote transaction platform. It is thus perfectly conceivable to use the method according to the invention to organize the payment of goods produced by a vending machine, or for a service rendered by a supplier who would not have, to seal the transaction, any other device than his mobile phone, for example a street vendor or a taxi driver, etc. To facilitate the implementation of the payment, the mobile terminal will be equipped with a dedicated software application, comprising software modules and accessing at least one memory of the terminal, and in particular: a software module for transmission via a network telecommunication, using a customer account registered with an operator of this telecommunications network and activated on the mobile terminal, a request to obtain a transaction key, - a software module for receiving a response message to the request for obtaining a transaction key, - a storage module in memory of the transaction key received in response to the request for obtaining a transaction key; a module for transmitting said transaction key to a communicating device as described above, so that this equipment transmits, following the transmission of the transaction key, a request for triggering by the remote transaction platform; a payment, by means of the customer account used to send the request for obtaining, of an amount due in return for the supply of at least one product or service selected by a user in said set of products and / or services. In a variant, the dedicated software application furthermore comprises: a storage module in memory of a catalog, that is to say a set of products and / or services; a module for selecting at least one product or service in this catalog; a storage module in memory of an identification of at least one product or service selected in this catalog; a module for transmitting this identification to the communicating equipment that will trigger the payment of an amount due in return for the supply of the selected product or service, which will determine the amount due according to the selected product or service.

Transmission to the communicating equipment of the transaction key and / or the identification of the selected product or service can be carried out in different ways, for example using NFC technology. The dedicated software application then stores the transaction key and / or the identification of the selected product or service in an NFC card for transmission of this information to an NFC reader of the communicating equipment. Thus, a particular implementation of the invention, in the particular case of a use of a contactless mobile terminal NFC (Near Field Communication) with a communicating contactless equipment equipped with an NFC reader consists of: ^ Download an application dedicated to the mobile terminal - Ensure through this dedicated application that a specific application ("cardlet java" type) is present on the SIM card of the mobile terminal. o and if not download the Java card "Other The Air" based on the protocol BIP (Bearer Independent Protocol). ^ Use the application to send requests for obtaining transaction keys to the transaction platform. Once the transaction key has been received, the application stores the transaction key in a memory of an NFC card of the mobile terminal and informs the user thereof. The user can then transmit the transaction key to the equipment. communicating by presenting the NFC card of its NFC mobile terminal in front of the NFC reader of the communicating equipment. Alternatively or in addition, the user uses the same application to select one or more products and / or services in a catalog of products and / or services, to store in the NFC card of the terminal an identification of the product or products and / or selected services, then to automatically transmit this identification to the communicating equipment, presenting the NFC card NFC mobile terminal in front of the NFC reader of the communicating equipment. The invention has been described in more detail in the case of its application to a vending machine. However, it is applicable in the same way to a wide variety of communicating equipment: vending machines, for example drink dispensers, or ticket vending machines, show tickets, or bank teller machines. Indeed, the product designated here can be any material product (beverage, ticket, other) and the service designated here can be any service accessible via the communicating equipment or via other associated equipment, for example, a service access to content, an information access service, a network access service, a transaction execution service (for example a banking operation), etc. In addition, the invention applies well to communicating equipment having only simplified interfaces: selection buttons (for the choice of a product or the activation of a selection menu), keypad or even a simple card reader (NFC, RFID, or barcode, or smartcard). It is therefore not useful to equip such communicating equipment with new interfaces dedicated to the payment method described here: a software evolution is sufficient.

Claims (18)

REVENDICATIONS1. Method of payment implemented by means of a communicating equipment, including, during a payment phase: a step of receiving, by an interface of the communicating equipment, an identification of at least one product or service selected by a user from a set of products and / or services, - a step of receiving, by an interface of the communicating equipment, a transaction key, allocated to said user in order to make a payment in exchange for a supply of at least one product or service of the said set, and a step of determining an amount due in exchange for the supply of the said at least one product or service selected by the user, a transmission step , by the communicating equipment, a request for triggering by a remote transaction platform, a payment of said amount by means of a customer account, registered with an operator of a telecommunication network and associates é to said transaction key. 2. Method of payment according to claim 1, comprising a step of providing, by the terminal, a hardware object corresponding to said at least one selected product or service. 3. Method of payment according to claim 1 or 2, comprising a step of production, by the communicating equipment, of an attestation representative of an acceptance of the payment made by means of said transaction key. 4. Method of payment according to claim 1 or 2, comprising a step of production, by the transaction platform, of a certificate representative of an acceptance of the payment made by means of said transaction key, in exchange for a code identifying the payment transaction effected by means of the transaction key, displayed on the terminal or transmitted to a mobile terminal associated with said customer account. 5. Method of payment according to claim 1, comprising during the payment phase, a step of charging said determined amount to said customer account, said customer account having been used during a transaction key allocation phase prior to the payment phase, by a client user of said operator to issue a request to obtain said transaction key via said telecommunications network. 6. Method of payment according to claim 1 or 5, comprising, during the payment phase, a step of checking the validity of said transaction key and a step in which a server of said operator checks if at least one condition d acceptance of the payment is subject to the condition of the said customer account. 7. A payment method according to claim 1, characterized in that the transaction key is assigned to said user to make a payment of a predetermined maximum amount at the time of allocation of the transaction key. 8. Method of payment according to claim 1 or 4, comprising, during a phase of allocation of transaction key prior to the payment phase, - a reception step, from a terminal of a request d obtaining a transaction key, - a step of generating said transaction and storage key in association with said transaction key of identification data of a customer account registered with an operator of a network of telecommunication, - a step of transmitting the transaction key generated to said terminal 9. Payment method according to claim 8, characterized in that said request for obtaining a transaction key comprises a personal code chosen by the user, intended to be stored in association with the transaction key, to be provided to the communicating equipment and to be joined by the communicating equipment to said verification request. 10. Payment method according to claim 8 or 9, characterized in that said request for obtaining a transaction key comprises a communicating equipment identifier, intended to be stored in association with the transaction key, and communicating equipment transmits a request for verification of the validity of the transaction key to the transaction platform, which checks whether the communicating equipment transmitting the verification request and the communicating equipment whose identifier is stored in memory. association with the transaction key are part of a group of payment terminals that meet the same criteria. 11. Communicating equipment including: an interface for receiving an identification of at least one product or service selected by a user from a set of products and / or services; an interface for receiving a transaction key, allocated to said user in order to make a payment in return for a supply of at least one product or service of said set, and means for determining an amount due in exchange for the provision of said at least one product or service selected by the user, - means for transmitting, by the communicating equipment, a request for triggering by a remote transaction platform, a payment of said amount by means of a customer account, registered with an operator of a telecommunications network and associated with said transaction key. 12. Communicating equipment according to claim 11 comprising means for triggering a payment transaction for charging said determined amount to said customer account, said customer account having been used, during a transaction key allocation phase prior to the payment phase, by a client user of said operator to issue a request for obtaining a transaction key via said telecommunications network. 13. Communicating equipment according to claim 11, characterized in that it comprises an NFC reader for reading an NFC card from a mobile terminal in which the transaction key is stored. 14. Communicating equipment according to claim 11 or 13, characterized in that it comprises an NFC reader for reading an NFC card of a mobile terminal in which is stored an identification of said at least one product or service selected by said user in said set of products and / or services. 15. Time stamp including a communicating equipment according to any one of claims 11 to 14. 16. Automatic dispenser including communicating equipment according to any one of claims 11 to 14. 20 17. Mobile terminal comprising: means for transmitting, via a telecommunication network, using a customer account registered with an operator of said telecommunications network and activated on said mobile terminal, a request for obtaining a transaction key intended to be used to make a payment in return for a supply of at least one product or service of a set of products and / or services, - storage means said transaction key received in response to said request, means for transmitting said transaction key to a communicating device according to claim 11, said device transmitting, following said transmission, a request for triggering by a remote transaction platform, a payment to means of said customer account, an amount due in return for the provision of at least one product or service selected by a user in said set products and / or services. 18. Mobile terminal according to claim 17, comprising: means for selecting at least one product or service in a set of products and / or services; means for storing an identification of said at least one product or service selected in said set; means for transmitting said identification to said communicating equipment.