WO2019016470A1 - Method and system for managing an electronic wallet payment - Google Patents

Abstract

The invention relates to a method for managing the payment of goods or services proposed by a "merchant" user having a "merchant" bank account opened with a banking establishment, the payment being completed by means of a "client" electronic wallet of a "client" user from a mobile terminal of the "client" user. A step of the method comprises selecting an "agent" user from among the plurality of "agent" users taking into account at least one selection factor. The payment is completed by transferring the amount of the payment from the "client" electronic wallet to the "agent" electronic wallet of said selected "agent" user, then by transferring all or some of the amount of the payment from an "agent" bank account of the selected "agent" user to the "merchant" bank account.

Description

 METHOD AND SYSTEM FOR MANAGING PAYMENT BY MONEY-HOLDER

 ELECTRONIC

Description

Technical Field of the Invention

 The invention relates to a method and a payment management system by electronic purse. The invention also relates to a computer platform adapted to manage a payment by electronic wallet.

 It concerns the technical field of mobile payments (Mobile

Money or Mobile Wallet in English), which allow customers to pay for goods or services, using their mobile device, including their mobile phone.

State of the art »

 Some mobile operators offer their customers payment services via their mobile terminal (for example: Orange and its "Orange Money" service, Vodafone / Safaricom and its "M-PESA" service).

 These payment services are generally offered to populations that do not have a bank account. Users of mobile terminals who subscribe to this service from the operator to which they are affiliated, are assigned an associated account, or electronic wallet, on which they can perform various payment transactions. These electronic wallets are managed by the operators and are commonly called by their English expressions Mobile Money or Mobile Wallet. To feed his account, the user can go to a point of sale to deposit cash, receive money from another user by transfer or receive his salary directly to his account, pay bills (water, electricity). , television, telephony, tuition fees), etc.

Each operator has a dense network of agents, ie points of sale ensuring the provision of services. These agents guarantee operators visibility and effective coverage of a given geographical area. The agent ensures, on behalf of the operator, the registration of new customers, and the operations of depositing and withdrawing money. The agents are generally all paid commissions on the execution of the operations carried out in their point of sale. A customer with an electronic wallet registered with a mobile operator may pay for goods or services purchased from a merchant. But for the transaction to be effective, the merchant must have an electronic wallet registered with a mobile operator. In general, the customer who wishes to make a financial transaction from a merchant website, transmits his call number to said site. The latter generates an electronic transaction authorization request containing the customer's call number and the payment amount, which request is transmitted, via a computer telecommunications network, to the mobile operator to which said customer is affiliated. Upon receipt of the transaction authorization request, the mobile operator generates a transaction authorization if the electronic wallet associated with the customer's phone number has sufficient funds to cover the payment amount. This transaction authorization is then sent to the merchant website. Upon receipt of the transaction authorization, the merchant website validates the transaction with the customer. The mobile operator charges the customer's electronic purse for the associated amount, and transfers the money from the merchant's e-wallet.

 For regulatory reasons, mobile operators are not considered to be banks or financial institutions and are therefore not allowed to make capital movements (transfer / receipt of money) outside a regulated geographical area. , such as for example the WAEMU area (for West African Economic and Monetary Union). BCEOA (for Central Bank of West African States) can in particular prohibit an operator offering payment solutions by electronic purse, money transfers between the WAEMU space and abroad. For example, a mobile phone operator based in Senegal will not be able to transfer money to a merchant with a bank account in France. In other words, a customer holding an electronic purse open at an operator located in the UEMOA space, can not make a purchase from a merchant with an open bank account in a bank located in outside the UEMOA space.

Also, a merchant wishing to access the UEMOA space market, must either open a bank account with a bank located in the UEMOA area, or subscribe to the electronic purse services of all mobile operators installed in the UEMOA area. the UEMOA space. It is easy to understand that these Account openings and / or these subscriptions to electronic wallet services can be time consuming and expensive for merchants.

 The invention aims to remedy this state of affairs. In particular, an objective of the invention is to facilitate access to merchants wishing to access the markets of regulated geographical areas.

 Another object of the invention is to increase the number of merchants with whom a customer with an electronic purse can make purchases of goods or services.

 A further object of the invention is to set up logical computer processes for making electronic purse payments in a fast, reliable and secure manner.

Disclosure of the invention.

 The solution proposed by the invention is a method of managing the payment of a good or service offered by a "walking" user having a "walking" bank account opened with a banking institution, the payment being made by means of a "customer" electronic wallet of a "customer" user from a mobile terminal of the "customer" user.

 This method comprises steps of:

 recording, in a computer platform, identification data of a plurality of "agent" users, each "agent" user having:

 o an "agent" electronic purse,

 o an "agent" mobile terminal whose call number is registered in the platform,

 o an "agent" bank account opened with a bank,

 - transmit a payment signal to the computer platform,

 the reception of the payment signal entails the execution, in the computer platform, of a logical computer process adapted to assign at least one selection factor to each of the "agent" users and to select an "agent" user from the plurality of 'agents' users taking into account this selection factor,

- execute payment instructions including the mobile agent "agent" terminal number of the selected "agent" user from the mobile terminal "Client", so as to transfer the payment amount from the "client" electronic wallet to the "agent" electronic wallet of the selected "agent" user,

 - execute a logical computer process resulting in the generation of an instruction to transfer all or part of the payment amount from the "agent" bank account of the selected "agent" user to the "walking" bank account.

 According to the invention, the payment is not made directly between the customer and the merchant. The agent, and more particularly his electronic purse, serves as an intermediary between the customer and the merchant. The invention is based on the fact that customers almost never have a bank account open with a banking institution while the majority, or all, agents for ensuring, on behalf of mobile operators, the services of electronic wallet services, have such a bank account. The invention makes it possible to transfer the payment amount from the customer's electronic purse to the electronic purse of a selected agent, and then to transfer this amount to the agent's bank account. Since money transfers between banks are permitted, all or part of the payment amount can be easily transferred from the agent's bank account to the merchant's bank account, even if both accounts are located in two different regulated geographic areas. Also, it is no longer necessary for the merchant to have an electronic wallet registered with a mobile phone operator or a bank account opened with a bank located in the regulated geographical area of the customer. Merchants can easily access many markets. And conversely, customers can now buy goods or services from a larger number of merchants.

^Other advantageous features of the invention are listed below. Each of these features may be considered alone or in combination with the outstanding characteristics defined above, and may be subject, where applicable, to one or more divisional patent applications:

Each of the "agent" users can be assigned at least one of the selection factors from the following list: mobile operator with whom the "customer" user has subscribed the payment service by the electronic purse, of so that the computing platform selects an "agent" user who is same operator as said "client"user; geographic area where the mobile terminal "client" is located, so that the computer platform selects an "agent" user whose mobile terminal is located in the same geographical area as said mobile terminal "client"; effective connection, via a telecommunication network, between the mobile terminals "agents" and the computer platform, so that the computing platform selects an "agent" user whose mobile terminal is actually connected to said platform; geographical zone of availability of the electronic wallet payment service offered by a mobile telephone operator and to which the "customer" user has subscribed, so that the computing platform selects an "agent" user whose mobile terminal is located in the same geographic area of availability as the "client" mobile terminal; a percentage or level of charge of an integrated battery in each of the "agent" mobile terminals, such that the computing platform selects an "agent" user whose mobile terminal has a percentage or level of at least one battery charge equal to a specified value; the available level of a processor or CPU integrated in each of the mobile terminals "agents" and in particular the available percentage of RAM, so that the computing platform selects an "agent" user whose mobile terminal has a percentage of RAM at least equal to a specified value; nature of the connection, via a telecommunication network, between the computer platform and the "agent" mobile terminals, so that the computing platform firstly selects an "agent" user whose mobile terminal has a connection benefiting from the theoretical throughput The highest ; quality of the connection, via a telecommunication network, between the computer platform and the "agent" mobile terminals, so that the computing platform prioritizes an "agent" user whose mobile terminal is located in or near , a geographical area where the connection is the worst; physically moving the "agents" mobile terminals, so that the computing platform firstly selects an "agent" user whose mobile terminal does not move, or if mobile terminals are moving, the one whose movement is the slowest; balance of the "agent" bank accounts, so that the platform selects an "agent" user whose bank account has a number of banking units greater than or equal to a number of banking units corresponding to the payment amount. Advantageously, the computer platform firstly selects an "agent" user whose mobile terminal is in charge, that is to say connected to a current source at the time of the selection process.

 - All or part of the selection factors are preferably determined based on information transmitted to the computer platform by mobile terminals "agents".

 The transmission of this information is preferably carried out in response to an electronic query request generated and transmitted by the computer platform to the mobile terminals "agents".

 The method may further comprise the steps of: - transmitting a payment confirmation signal to the "client" mobile terminal and transmitting a confirmation signal to the "agent" mobile terminal of the selected "agent" user, which signals integrate each a unique transaction number; transmitting to the computer platform, from the mobile terminal "agent", the unique transaction number received by said mobile terminal "agent"; transmitting to the computer platform the unique transaction number received by said mobile terminal "client"; comparing, in the computer platform, the transaction number received by the mobile terminal "agent" and the transaction number received by the mobile terminal "client"; - if the transaction numbers correspond, generate from the computer platform the instruction to transfer all or part of the payment amount, from the "agent" bank account to the "walking" bank account, and transmit this instruction to the banking institution where the "agent" bank account is open; - transfer all or part of the payment amount from the bank to the "walking" bank account.

 - The method may comprise a step of opening, in the computer platform, a virtual bank account "agent" which is a mirror of the bank account "agent" actually open with the bank, so that data operations financial information affecting said virtual bank account also affect the actual bank account, and vice versa.

- A connection is advantageously established between the computer platform and the bank with which the real "agent" bank account is opened, so that the virtual bank account "agent" and the actual bank account "agent" synchronize automatically. The actual "agent" bank account can synchronize with the virtual bank account "agent", in response to the receipt of instructions transmitted by the computer platform to the bank.

 Another aspect of the invention relates to a system for managing the payment of a good or service offered by a "walking" user having a "walking" bank account opened with a banking establishment, the payment being made by means of an electronic "client" wallet of a "client" user from a mobile terminal of the "client" user, said system comprising:

 a computer platform in which identification data of a plurality of "agent" users is stored, each "agent" user having:

 o an "agent" electronic purse,

 o an "agent" mobile terminal whose call number is registered in the platform,

 o an "agent" bank account opened with a bank,

 the computer platform comprises at least one processor and at least one memory in which at least one computer application is stored whose instructions, when executed by the said, allow:

 o assign at least one selection factor to each of the "agent" users

 o select an "agent" user from the plurality of users

"Agents" taking into account this selection factor,

 o Generate payment instructions including the call number of the mobile terminal "agent" of the selected user "agent", - the mobile terminal "customer" is adapted to execute the payment instructions so as to the amount of the payment be transferred from the "client" electronic wallet to the "agent" electronic wallet of the selected "agent" user,

 the computer platform is adapted to generate an instruction to transfer all or part of the payment amount from the "agent" bank account of the selected "agent" user to the "walking" bank account.

The "walking" bank account and the "agent" bank account may be cryptocurrency portfolios open on a cryptocurrency exchange web platform or a cryptocurrency wallet provider. A further aspect of the invention relates to a computing platform adapted to manage the payment for a good or service offered by a user "walking" with ^a bank account "walking" opened with a bank, the payment being made by means of an electronic "customer" wallet of a "customer" user from a mobile terminal of the "customer" user, said platform comprising:

 a database in which identification data of a plurality of "agent" users is recorded, each "agent" user having:

 o an "agent" electronic purse,

 o an "agent" mobile terminal whose call number is registered in the platform,

 o an "agent" bank account opened with a bank,

 at least one processor and at least one memory in which at least one computer application is stored whose instructions, when executed by said processor, allow:

 o assign at least one selection factor to each of the "agent" users,

 o select an "agent" user from the plurality of users

"Agents" taking into account this selection factor,

 o generating payment instructions including the call number of the mobile terminal "agent" of the selected "agent" user, which instructions are adapted to be executed by the mobile terminal "client" so that the payment amount is transferred from the "customer" electronic wallet to the "agent" electronic wallet of the selected "agent" user,

 o generate an instruction to transfer all or part of the payment amount, from the "agent" bank account of the selected "agent" user to the "marching" bank account.

A further aspect of the invention relates to a mobile terminal comprising at least one processor and at least one memory in which at least one computer application is recorded, which computer application comprises instructions which, when executed by said processor, allow implement all or parts of the steps of the management method according to the invention. The application computing includes instructions that, when executed by the processor, to transfer appropriate information to determine all or part of the selection factors of users "agents".

 A further aspect of the invention relates to a computer server comprising at least one processor and at least one memory in which at least one computer application is recorded, which computer application comprises instructions which, when executed by said processor, make it possible to implement all or parts of the steps of the method according to the invention.

Description of the figures.

 Other advantages and characteristics of the invention will appear better on reading the description of a preferred embodiment which follows, with reference to the appended drawings, carried out as indicative and non-limiting examples and in which: FIG. 1 schematizes a system for implementing the method of the invention,

 FIG. 2 schematizes the arrangement of different components of a management server of a mobile operator,

 FIG. 3 schematizes the arrangement of various components of an electronic platform used for the implementation of the method which is the subject of the invention,

 FIG. 4 schematizes the arrangement of different components of a "client" mobile terminal or an "agent" mobile terminal,

 FIG. 5 schematizes the arrangement of different components of a computer server of a "merchant" user,

 FIG. 6 illustrates various steps implemented in the method which is the subject of the invention, according to a first embodiment,

 FIG. 7 illustrates various steps implemented in the method that is the subject of the invention, according to a second embodiment,

 Figure 8a shows the balance of virtual accounts before transaction,

 FIG. 8b schematizes the balance of the virtual accounts of FIG. 8a, after transaction,

FIG. 9 schematizes a variant of a system for implementing the method of the invention, FIG. 10 illustrates various steps implemented in the method that is the subject of the invention, according to the embodiment of FIG. 9.

Preferred embodiments of the invention

 The method which is the subject of the invention consists of a coherent sequence of steps making it possible to achieve a desired result. These steps generate manipulations of physical elements, including signals (electrical or magnetic) and digital data, capable of being stored, transferred, combined, compared, and so on.

 The method is implemented by means of computer applications executed respectively by a processor or microprocessor of a computing device (mobile terminal, merchant internet site, mobile telephone operator, computer server, etc.). For the sake of clarity, it should be understood within the meaning of the invention that "the device does something" means "the computer application executed by the processor or microprocessor of the device does anything". Just like "the computer application does quetgm thing" means "/ ifc & m computer run by the processor or microprocessor of the device does something".

 For the sake of clarity, the present invention refers to one or more "logical computing processes". These correspond to the actions or results obtained by executing the instructions of the various computer applications. Also, it should also be understood within the meaning of the invention that "a logical computer process is adapted to do something" means "the instructions of a computer application executed by a processor or icmpreurs do something".

 Referring to Figure 1, a system for implementing the method of the invention may include:

 a "merchant" user M, hereinafter referred to as "merchant",

 a mobile operator O, hereinafter referred to as an operator,

 a computer platform P,

 a computer database B,

 - one or more banking institutions 61, B2,

 a "customer" user C, hereinafter referred to as "customer", who has a mobile terminal "client" TC,

a plurality of "agent" users A1, A2, A3, hereinafter called "agents", each having a "agent" mobile terminal TA1, TA2, TA3. As an illustrative example only, the regulatory area selected is the UEMOA area. The operator O is located in the UEMOA area in Senegal (which is considered as the zone of availability of the electronic wallet payment service); bank B1 - and agent bank accounts - are located in the UEMOA area in Senegal; bank B2 is located outside the UEMOA area (but could be located in this space), in France; the P platform is located outside the UEMOA space (but could be located in this space), in the USA; the merchant M is located outside the UEMOA space (but could be located in this space), in France; client C is located in the UEMOA area in Senegal. Agents A1, A2, A3 are located in the UEMOA area in Senegal. Some of these agents may, however, be located outside the UEMOA area, in another regulatory area.

 The operator O offers an electronic wallet payment service to his customers. This includes, for example, the Orange operator and its "Orange Money" service or the Vodafone / Safaricom operator and its "M-PESA" service. Remember that an electronic wallet is a prepaid and rechargeable account open with the operator. Subscription to this service is done in a traditional way according to the terms and conditions specific to each operator. In particular, the customer has previously subscribed to this electronic wallet payment service in a geographical area of affiliation own audit client.

 In general, each mobile operator may offer an electronic purse payment service in one or more geographical areas of availability. This geographical area of availability can cover the whole territory of a country (eg Kenya, Cameroon, India, ...), or a limited territory of this country, notably certain departments, regions or provinces (eg West Bengal in India).

 The customer having subscribed to an electronic wallet payment service in a geographical area of availability, has a purse, which wallet is associated with a unique number, or account number, which generally corresponds to the number. call associated with its mobile terminal TC.

The operator O has an SO management server that integrates, as illustrated in FIG. 2, one or more processors or microprocessors 30, one or more memories 31, a network interface 32, which are mutually connected via a bus. 35. One or more computer applications - or computer programs - are recorded in the memory or memories 31 and whose instructions, when executed by the processor or processors 30 allow to achieve the features described further in the description. For clarity, we must understand the meaning of the invention that "the operator does something" means "the computer server management ^operator does something."

 The network interface 32 is wired such as an Ethernet link, or wireless such as a GSM connection, EDGE, 2G, 3G, 4G, Wifi or Bluetooth, allowing the operator O to connect to the terminal mobile client TC client C and mobile terminals agents TA1, TA2, TA3, via the telecommunications RT network with network technologies such as, but not limited to, GSM, EDGE, 2G, 3G, 4G, etc. The network RT is typically the mobile network of the operator O to which the customer C and the agents A1, A2, A3 are affiliated. It may also be a USSD (Unstructured Supplementary Service Data) channel accessible from the mobile operator's O network. The network interface 32 may also allow the operator O to connect to the platform P via a secure network R 'of the secure telecommunication network type (Internet, mobile telephony, ...) or virtual private network (VPN for English Virtual Private Network) to secure the exchange of data between said operator and said platform.

 Client C is a natural person who has subscribed an electronic purse with the operator O (whether it is a customer account with or without subscription, with or without a prepaid account, ...). It is located in the geographical area of availability where the operator O offers its payment service by electronic purse - in Senegal for example. Its mobile terminal TC is preferentially in the form of a mobile phone or smartphone of the iPhone®, Samsung Galaxy® type, or in the form of another electronic device, operating with a Windows, Mac, operating system. iOS, Android, etc. The mobile terminal TC is registered with the operator O to which the customer C is affiliated. It is associated with a unique mobile terminal number which is the call number (or MSISDN number for the English-language Mobile Integrated Service Digital Network Number).

With reference to FIG. 4, the mobile terminal TC notably comprises one or more processors or microprocessors 10, one or more memories 11, a network interface 12, a graphic interface 13, a position determination module 14, which are mutually connected via a bus 15. One or more computer applications - or computer programs - are recorded in the memory (s) January 1 and whose instructions ^when executed by the processor 10 allow to achieve the functionality described in the description.

 The memory or memories 1 1 must be considered as a storage device also suitable for storing data and / or data files. It can be a native memory or a reported memory such as a Secure Digital (SD) card. The processor 10 and the memory 1 1 can be integrated into a SIM card (Suscriber Identity Module), the latter being connected to the bus 15.

 The network interface 12 is adapted to establish a communication with the operator O via the network RT, with the merchant server SM via the network R and with the platform P via the secure network R '. The network interface 12 may for example comprise a GSM module providing network connectivity to the mobile terminal TC. In general, the purpose of the network interface 12 is to manage the connections between the mobile terminal TC and the networks RT, R and R '.

 During a connection to the network RT, the mobile terminal TC is identified by the operator O by means of at least one user identifier. This user identifier is, in the context of the present invention, the call number. Such a user identifier is unique and also serves as identifier of the mobile terminal TC. In other words, this identifier is also used to register the mobile terminal TC with the operator O. The client C is recognized by means of such an identifier as a priori user of the mobile terminal TC through the SIM card housed in the mobile terminal TC, regardless of the physical person actually using the mobile terminal and whatever mobile terminal in which is housed the SIM card.

 The graphical interface 13 offers the client C the possibility of entering, selecting and / or entering data or instructions to the operator O, to the merchant M and to the platform P. It is for example in the form of a touch screen, a screen connected to a keyboard, etc.

 The position determination module 14 is adapted to generate geographic position data of the mobile terminal TC. This module is preferably a GPS geolocation module or a module based on a technique of triangulation of signals acquired by cell phone relay terminals.

The client must install a computer application in his mobile terminal TC to implement all or part of the invention from said terminal. This computer application can be pre-installed on the terminal TC, for example by the operator O to which it is affiliated. However, client C can find the application on an online store such as Google Play®, Itunes® or a dedicated website, and then download it to their TC terminal. The information for downloading and installing the computer application on the terminal TC may for example be retrieved using a QR code or an NFC tag. In any case, the computer application can be installed in any memory 11 of the terminal TC.

 Agents A1, A2, A3 are natural or legal persons. They form the network of agents of the operator O, and each has one or more outlets providing services of electronic wallet services. Being approved with the operator O, they have the right to buy electronic money and sell it to customers. They are distributed throughout the geographical area of availability where the operator O offers its payment service by electronic purse - in Senegal for example.

 Each agent A1, A2, A3 has subscribed an electronic purse with the operator O. Their mobile terminal TA1, TA2, TA3 is similar to the client mobile terminal TC described above with reference to FIG. 4 and integrates one or more processors. or microprocessors, one or more memories, a network interface, a graphical interface, a position determination module, which are mutually connected via a bus. Each mobile terminal agent TA1, TA2, TA3 is registered with the operator O and is associated with a unique mobile terminal number which is the call number.

 The network interface of the mobile terminals agents TA1, TA2, TA3 is in particular adapted to establish a communication with the operator O via the network RT, and with the platform P via the secure network R '.

 During a connection to the network RT, each mobile terminal agent TA1, TA2, TA3 is identified by the operator O by means of at least one user identifier which is, in the context of the present invention, the number of call .

Each agent A1, A2, A3 must install a computer application in its mobile terminal TA1, TA2, TA3 to implement all or part of the invention from said terminal. This computer application can be preinstalled or downloaded from the SO server, from a dedicated website or from the platform P. In practice, the application is downloaded at the same time as the registration of the agent with the platform P. The information to download and install the computer application on the TA1, TA2, TA3 terminals can for example be retrieved using a QR code or an NFC tag. Each agent A1, A2, A3 holds a bank account (hereinafter referred to as the "agent bank account") opened with a bank B1. Agents A1, A2, A3 may be affiliated with the same bank B1 or with separate banking institutions. For the sake of brevity and clarity, the assumption made in the following description is that all agents A1, A2, A3 are affiliated to the same bank B1. This B1 establishment, as well as the agent bank accounts, are typically located in the zone of availability of the electronic purse payment service offered by the operator O - in Senegal for example. However, they may be located outside the area of availability of the electronic purse payment service offered by the operator O.

 For the purposes of the invention, the term "bank account" means a conventional account for fiduciary currencies (current account, deposit account, checking account, etc.), a prepaid payment card, a cryptocurrency wallet - or wallet-crypto - (Bitcoin, Ethereum, ...), or any other account adapted to credit and / or debit a real or virtual currency to perform a transaction.

 Each agent A1, A2, A3 buys banking units at the bank B1. For example, each agent buys bank units for 100,000 XOF (CFA Francs). For example, 100,000 XOF equals 100,000 bank units. The agents can physically go to a counter at the B1 bank and buy the banking units with cash (banknotes and / or coins). Agents can still buy banking units from a cryptocurrency exchange web platform (coinify.com, coinbase.com, kraken.com, bitfinex.com, ...). The bank B1 then credits the bank account of the agents of these banking units.

Merchant M may be a natural person or a legal person. The merchant M may in particular be a website offering goods and / or services for sale. In this case, the merchant website is accessible from the Internet R and its computer server SM can be located in any geographical area - in France for example. The merchant M holds a bank account (hereinafter referred to as the "merchant bank account") opened with a B2 bank. This B2 establishment, as well as the merchant bank account, can be located in any geographical area - in France for example. Bank B2 and the merchant bank account are not necessarily located in the same geographical area as the SM server or located in the availability of the electronic purse payment service offered by the operator O. The merchant bank account can be opened at the bank B1.

 In FIG. 5, the server SM comprises one or more processors or microprocessors 20, one or more memories 21, a network interface 22, which are mutually connected via a bus 25. One or more computer applications - or computer programs - are recorded in the memory or memories 21 and whose instructions, when executed by the processor or processors 20 allow to achieve the features described further in the description. For the sake of clarity, it should be understood in the sense of the invention that "the merchant does something" means "the computer server of the merchant is doing something".

 The network interface 22 enables the merchant M to connect to the customer TC client mobile terminal C via the network R and to the platform P through the secure network R 'to secure the exchange of data between said merchant and said platform.

 A computer application and / or a programming interface (API for

Application Programing Interface) is installed in the server SM to implement all or part of the invention from said server. This computer application can be downloaded from an online shop or from the platform P. In practice, the download of the application and / or ΓΑΡΙ is performed at the same time as the registration of the merchant M with the platform P. This computer application makes it possible to offer a payment by e-wallet, in addition to traditional payment methods (by credit card, PayPal®, ...). If necessary, this computer application allows the merchant M to communicate to the platform P, a bank account statement, or RIB (country bank B2, SWIFT code, account number and / or IBAN number, .. .).

For the purposes of the invention, the term "banking establishment" means any organization carrying out banking operations and / or authorizing services enabling the payment and / or the withdrawal and / or transfer of money or cryptocurrency (Bitcoin). , Ethereum, ...). These include, for example, banks, credit unions, financial corporations, payment institutions, microfinance institutions, cryptocurrency trading platforms and / or cryptocurrency wallet providers (Blockchain.info, Bitstamp.net, ...) to buy and / or sell and / or store and / or manage cryptocurrency (Bitcoin, Ethereum, ...) and possibly fiduciary currency. The B1 and B2 banking institutions may be authorized and subject to special supervision by supervisory authorities.

 The computer platform P can consist of a physical server or, in some cases, be composed of several separate computers that communicate and interact in a network to perform the functions described above in the description.

 With reference to FIG. 3, the platform P notably comprises one or more processors or microprocessors 50, one or more memories 51, a network interface 52, a database 53, which are mutually connected via a bus 55. One or more computer applications - or computer programs - are recorded in the memory or memories 51 and whose instructions, when executed by the processor or processors 50 allow to achieve the features described further in the description.

 The network interface 52 is a wired or wireless communication interface adapted to establish a communication, in particular with: the server SM, the mobile terminals TC, TA1, TA2, TA3, the banking establishment B1, and possibly the server S0. This communication is established via the secure network R 'so as to secure the exchange of data between the platform P and the aforementioned devices and / or entities.

 The computer database 53 can be hosted directly in the platform P, or in another server or in a Cloud Computing type server network, or in a computer. In the case where the database 53 is not located in the platform P, and to secure the exchange of data between said platform and said base, the connection between these two elements is preferably carried out through a network. virtual private, a secure internet network, or a wired link.

The identification data of the agents A1, A2, A3 are recorded in the database 53. These identification data comprise at least the call numbers of the mobile terminals agents TA1, TA2, TA3. These identification data are in particular provided by the agents A1, A2, A3 at the time of their registration on the platform P. Each agent is identified at least by the number of his mobile terminal. To further identify the agents A1, A2, A3, the identification data may further comprise at least one of the following data: first and last name of ^the agent, date of birth, location data. This geolocation data is regularly transmitted to the platform P by the position determination module integrated in the mobile terminal agent TA1, TA2, TA3.

 The agents A1, A2, A3 being affiliated with the same operator O, the identification data is intrinsically associated with this operator. The database 53 may however record a multitude of agents that are not all affiliated with the same operator. In this case, the identification data also includes an identification data of the operator to which the agent is affiliated.

 As explained further in the description, the platform P establishes a connection with the bank B1 so as to control the balance of the bank account agents A1, A2, A3. To establish this connection, the identification data preferentially comprise a bank identity record, or RIB, of each agent A1, A2, A3 (country of the bank B1, SWIFT code, account number and / or IBAN number , ...).

 Intelligence information can be done in many ways. For example, these identification data may be filled in by each agent A1, A2, A3 at the time of opening of their bank account, for example from a dedicated interface accessible via the Internet, from the mobile terminals agents TA1, TA2 , TA3. The identification data are then transmitted by the bank B1 to the platform P which records them in the database B. The identification data can also be filled in by each agent A1, A2, A3 at the time of subscription an electronic purse to the operator O. The identification data are then transmitted by the operator O to the platform P which saves them in the database B. The identification data can still be filled by each agent A1, A2, from a dedicated interface proposed by the platform P and accessible by the secure network R 'from the mobile terminals agents TA1, TA2, TA3. The identification data are then directly recorded in the database B.

The platform P can also assign a unique billing number to each agent A1, A2, A3. This billing number, also considered as identification data stored in the database 53, may for example be in the form of a numerical or alpha-numeric code automatically generated by the platform P, the bank B1 or the operator O. This billing number is known to the bank B1 and associated with the corresponding agent. For example, billing numbers and / or terminal numbers mobile agents allow the bank B1 to identify the agents A1, A2,

A3.

 A global architecture of the system is now described, the various steps to implement the method of the invention for a conventional payment will be explained in detail.

Wa n- Figure 6

 FIG. 6 illustrates the sequence of different steps implemented in the method that is the subject of the invention.

 Step 1: the customer C wishes to purchase a good or a service offered by a French merchant M. The amount of the purchase is for example 75 € (Euros) and corresponds to 50,000 banking units. The customer C connects to the merchant site M, from his mobile terminal TC, through the network R. He chooses to pay his payment by electronic wallet and informs his call number on an interface dedicated to this method of payment. He can also enter the name of his mobile operator, in this case the operator O. The customer can then be invited to select a payment validation key to validate his payment, this key being accessible from the aforementioned interface. .

 Step 2: the merchant site M generates and automatically sends a payment signal to the platform P. The activation of the payment validation key is the triggering element for the generation and transmission of the payment signal. This payment signal comprises in particular the call number of the mobile terminal customer TC and, where appropriate: the identification data of the operator O, and an identification data of the geographical area of availability of the payment service by electronic wallet to which subscribes the customer C. This identification data of the geographic availability zone can be considered by default as the geographical area where the customer C is physically located and more particularly the customer mobile terminal TC. This data is advantageously a geo-location data generated and automatically transmitted to the merchant site M in step 1, by the position determination module 14 of the client mobile terminal TC.

Event 3: the reception of the payment signal entails the execution of a logical computer process adapted to assign at least one selection factor to each of the agents A1, A2, A3 recorded in the database 53 and to select an agent among this plurality of agents taking into account this factor of selection. The receipt of the payment signal by the platform P is the triggering element of this logical selection process.

 The selection factors may be of a different nature and make it possible to ensure that the transaction can be carried out quickly, with maximum security.

 The platform P can firstly select the agents affiliated with the same operator O as the client C. For this the platform P will query the database 53 to compare the identification data of the operator contained in the payment signal and the operator identification data associated with each agent. The platform P will then only select the agents affiliated to the same operator O as the client C.

 The platform can check the connectivity of the selected agents. Only agents whose mobile terminal is actually connected to the platform P will be retained. For this, the mobile terminals agents TA1, TA2, TA3 can for example generate and transmit automatically and periodically a connection signal to the platform P ("I am connected"). As long as the platform P receives its connection signals, it deduces that the mobile terminals agents are connected. The platform P can also poll the mobile terminals agents TA1, TA2, TA3 by transmitting an electronic request of presence ("are you connected"). Only agents whose mobile devices have responded positively to these requests will be retained by platform P.

 The platform P can also select the agents located in the same geographical area (for example the same city) as that where the client C is located, and more particularly the mobile terminal client TC. For this, the platform P will compare the geo-location data of the client mobile terminal TC contained in the payment signal with the geo-location data of the mobile terminal agents generated by the position determination module of each of said mobile terminals agents. This geo-location data of the mobile terminals agents may for example be included in the connection signal or in the response to the presence request mentioned in the preceding paragraph, or in a response signal to a specific electronic request transmitted by the platform P to mobile devices agents

To further filter the agents, the platform P can also select the agents located in the same geographical area of availability of the electronic purse payment service offered by the operator O and to which subscribes the customer C. The position determination module makes it possible to precisely locate each mobile terminal agent. These geolocation data may for example be included in the connection signal or in the response to the presence request mentioned above, or in a response signal to a specific electronic request transmitted by the platform P to the mobile terminals agents. The platform P will compare the location data transmitted by the mobile terminals agents TA1, TA2, TA3 and compare them with the geolocation data transmitted by the mobile terminal client TC. The platform P will then retain only the mobile terminals agents located in the same geographical availability area as the mobile terminal client TC.

 Another selection factor may be the percentage (or level) of charge of the integrated battery in each of the selected agents' mobile terminals. The knowledge of this percentage of charge makes it possible to make sure the mobile terminal agent will not shut down during the transaction and payment process. For example, only those mobile terminals whose percentage of charge is at least equal to a determined value, for example 15%, will be retained. A priority can be given to the mobile terminals agents that are charging, that is, connected to a current source at the time of the selection process. Indeed, a terminal connected to a power source will have less chance to go out during the process. At equal load percentage, the mobile terminals agents in charge at the time of the selections will be retained or prioritized. This information of the percentage of charge, and possibly of connection to a current source, may for example be included in the connection signal or in the response to the presence request mentioned above, or in a response signal to a specific electronic request. transmitted by the platform P to the mobile terminals agents.

Yet another selection factor may be the available level of the processor or CPU (for Central Processing Unit) integrated in each of the mobile terminals selected agents and in particular the available percentage of random access memory (RAM). Knowing this level of CPU ensures that the transaction and payment process will be executed quickly (a few milliseconds). For example, only the mobile terminals agents whose percentage of RAM memory is at least equal to a determined value, for example 10%, will be retained. This information may for example be included in the connection signal or in the response to the presence request mentioned above, or in a response signal to a request. specific interrogation electronics generated and transmitted by the platform P to the mobile terminals agents affiliated to the operator O.

 An additional selection factor may be the nature of the connection between the platform P and the mobile terminals agents TA1, TA2, TA3. The connection may for example be of the type GPRS (for General Packet Radio Service), EDGE (for Enhance Data Rate for GSM), 2G, 3G, 3G +, 4G, etc. The connection with the highest theoretical throughput will be preferred. For example, mobile devices with 4G connections will be prioritized over those with a GPRS, EDGE, 2G, 3G or 3G + connection. Knowing the nature of the connection makes it possible to ensure that reception and / or transmission of signals or data from the mobile terminal agent will be performed quickly. This information as to the nature of the connection may for example be included in the connection signal or in the response to the presence request mentioned above, or in a response signal to a specific query request generated and transmitted by the platform P to the mobile terminals agents affine to the operator O.

 An additional factor of selection may be the quality of the connection between the platform P and the mobile terminals agents. The platform P may in particular define the geographical areas where the connections to the network RT and / or the secure network R are the worst. For example, on a panel of 100 mobile agent terminals distributed in a city, the platform can observe areas where connectivity is good (for example in the city center) and areas where connectivity is bad (for example in the periphery of the city). downtown). The position determination module makes it possible to precisely locate each mobile terminal agent. If agent mobile terminals are located in or near an area of low connectivity, they will be discarded (i.e., not held) by the P platform. This connection quality information can be for example be included in the connection signal or in the response to the presence request mentioned above, or in a response signal to a specific query query generated and transmitted by the platform P to the mobile terminals agents affine to the O operator

An additional factor of selection may be the physical movement of the agents, and more specifically the mobile terminals agents. The position determination module makes it possible to precisely locate each mobile terminal agent, but also to see if it moves or not. If an agent mobile terminal is fixed, that is, it does not move, the probability of losing the connection on the network RT and / or the secure network R is weak. A termina! mobile fixed agent is therefore selected in priority by the platform P. If mobile terminals are moving, that is to say they move, those whose movement is slow (for example if agents move on foot ) will be prioritized over those who move quickly (eg if the agents travel by car), the risk of disconnection being potentially higher. This information on the state of displacement can for example be included in the connection signal or in the response to the presence request mentioned above, or in a response signal to a specific query query generated and transmitted by the platform P to the mobile terminals agents affine to the operator O.

Another factor of selection is the balance of the agent bank accounts, that is to say the number of banking units available to the agents in their bank account opened with the bank B1. In fact, the agent who will be retained must have enough banking units on his account to pay the payment. The platform P may for example retain only agents whose number of banking units available on the bank account is greater than or equal to the number of banking units corresponding to the amount of the purchase. For this purpose, and in accordance with the first embodiment, the platform P generates and automatically sends an electronic query request to the bank B1 (step 3 "). This interrogation request contains the number of banking units corresponding to the amount of the purchase This number of banking units is calculated automatically by the platform P taking into account in particular the exchange rate between the currency proposed by the merchant M (eg Euros) and the currency in which the payments are made. by electronic wallets customers and agents (ex: CFA Francs), and possibly exchange fees applied by the bank B 1. The exchange rate applied can be recovered in real time by the platform P on the financial markets or recovered from the bank B1 On receipt of the interrogation request, the bank B1 queries all bank accounts agen ts (event 3 ") to determine the number of banking units available on each of these bank accounts. The banking establishment B1 then returns to the platform P (step 3 "') of the identification data of the agents whose bank account includes a number of banking units greater than or equal to the number of banking units transmitted in the request of These agent identification data can be be the phone numbers of the mobile terminals agents and / or the billing numbers associated with the agents.

 These selection factors may have the same value or different values in order to be prioritized. For example, the number of banking units available to agents on their bank account may be larger than the level of the processor or CPU available in the mobile devices agents. Likewise, the percentage of charge of the battery integrated in the mobile terminals agents may be a less decisive factor than the nature of the connection between the platform P and said mobile terminals agents.

 The platform P can balance the selection of the agents to avoid that the same agent is systematically selected. For example, when an agent has been selected by the platform P for a transaction, said platform may decide not to select the same agent for the next transaction.

 At the end of the logical selection process, the platform P selects an agent from among this plurality of agents taking into account at least one, and preferably all the aforementioned selection factors. In the rest of the description, agent A1 is retained by platform P.

 Step 4: Platform P automatically generates and transmits payment instructions to the TC client mobile terminal. Since the call number of the mobile terminal client TC is included in the payment signal, the platform P can easily transmit the payment instructions by a message of the SMS (Short Message Service) type. The selection of the agent A1 from among the plurality of agents A1, A2, A3 is the triggering element of the payment instructions. These instructions include the call number of the mobile terminal agent TA1. They can also advantageously integrate a USSD code allowing access to the management server SO of the operator O. These instructions are displayed on the interface of the client mobile terminal TC and can for example be in the following form:

# BUS_code_operator ^* recipient_number ^* amountTransaction ^* c ^

The BUS_USD_code allows access to the SO management server of the operator O. The recipient_number corresponds to the call number of the mobile terminal agent TA1. The transaction amount is the purchase amount in local currency and / or in banking units. In the above example, this amount amounts to 75 € or 50,000 banking units. The secret_code corresponds to a secret code of the client C. This secret code is chosen by the customer C, for example at the time when he subscribes to the service of payment by e-wallet. It can be a 4-digit code corresponding to personal identification number, such as the PIN (of the English Personal Identification Number) of its mobile terminal 1, or on the contrary a different PIN code.

 The instructions can also be transmitted to the merchant M who display them on a graphical interface visible by the customer C. The latter then returns these instructions on his mobile terminal TC.

 Event 5: client C initiates the transaction by executing the payment instructions from its mobile terminal TC.

 Step 6: the payment instructions executed are transmitted to the SO server of the operator O, which instructions are associated with the call number of the mobile terminal client TC. This number is encapsulated with the payment instructions, this encapsulation is automatically performed in an invisible way for the customer C.

 Event 7: The SO server verifies that the customer's electronic purse has sufficient funds to cover the payment amount. If this is the case, the operator O debits the electronic purse of the customer of the amount of the payment (50,000 banking units, ie 50,000 XOF) to which can be added a commission of the operator O (ex: between 1% and 3 % of the payment amount) and credits Agent A1's electronic purse with the amount of the payment. Otherwise, the operator O warns the customer C which in turn warns the platform P which in turn warns the merchant M.

 Step 8: the server SO generates and transmits, to the mobile terminal agent TA1 and the mobile terminal client C, a payment confirmation signal (or electronic invoice). This signal is preferably in the form of an SMS message (for the English Short Message Service). This signal includes in particular a transaction number which preferably consists of a single alphanumeric sequence, for example "12AbC34d". The payment confirmation signal may also include the payment amount and the call number of the TC client mobile terminal.

Step 9: the mobile terminal agent TA1 transmits the payment confirmation signal to the platform P, or at least the transaction number. Receipt of the payment confirmation signal is the trigger for this transmission. This transmission can be automatic or follow a voluntary action of the agent A1, for example activation of a dedicated key present on the interface of the mobile terminal agent TA1. Step 10: the mobile client terminal TC transmits to the merchant M at least the transaction number, which retransmits it instantly to the platform P. The receipt of the payment confirmation signal is the trigger for this transmission. This transmission can be automatic or follow a voluntary action of the client C, for example activation of a dedicated key present on the interface of the client mobile terminal TC.

 Event 11: the platform P verifies that the transaction number transmitted by the mobile terminal agent TA1 corresponds to the transaction number transmitted by the mobile terminal client TC. This check is performed by comparing the two transaction numbers.

 Step 12: If the check performed at the event 1 1 is positive (that is to say, the two transaction numbers are identical), the platform P generates and transmits to the merchant M, a payment confirmation signal. The merchant M can then treat the purchase in a conventional manner and deliver the good or the service to the customer C.

 Step 13: the merchant M can transmit to the platform P, bank data to make a transfer of funds from account to account. This bank data preferably consists of a bank account statement, or RIB (country of banking institution B2, SWIFT code, account number and / or IBAN number, etc.). Receipt of the payment confirmation signal is the trigger for the transmission of bank data. In an alternative embodiment, this bank data is transmitted in step 2, along with the payment signal. According to yet another embodiment, the merchant bank data M is previously transmitted by the server SM to the platform P, and stored in the database 53, even before a customer connects to the merchant site.

 Step 14: If the verification performed at the event 1 1 is positive, the platform P generates and transmits to the bank B1, an instruction to transfer all or part of the payment amount from the bank account of the agent A1 to the bank account walking. This instruction includes in particular: an identification data of the agent A1, the amount to be transferred to the merchant M and the bank data of said merchant. The identification data of the agent A1 may be the call number of the mobile terminal agent TA1, or preferably the billing number associated with said agent.

Event 15: the bank B1 debits the bank account of the agent A1 of all or part of the payment amount (50,000 banking units). The reception of the transfer instruction is the trigger for the flow of the A1 agent's bank account. A commission may be paid to the agent A1 (for example: between 0.5% and 1% of the payment amount), in a separate bank account of the agent opened at the bank B1. This commission may also be materialized by the fact that the amount debited to the bank account of the agent A1 corresponds to the amount of the payment affected by a commission coefficient k _a gent, where 0 <k _ag ent≤1.

 Step 16: the bank B1 transfers all or part of the payment amount to the merchant bank account opened with the B2 banking institution. Unlike the O operator, the B1 bank is indeed authorized to make capital movements (transfer / receipt of money) in all the regulated geographical areas, and in particular outside the UEMOA area. The bank B1 can charge a commission (for example: between 0.5% and 2% of the payment amount). Also, the amount transferred to the merchant's bank account may be the amount of the payment assigned a commission coefficient k, where 0 <k <1.

 Event 17: bank B2 credits the merchant bank account with all or part of the amount transferred to step 16. Bank B2 may charge a commission (for example: between 0.5% and 2% of the amount transferred ).

In the method just described, it can be seen that no connection is necessary between the operator O and the platform P, this method being essentially agent-based. The latter by-pass the connection between the operator O and the platform P. This is an advantage because some mobile operators can not or do not wish to develop a specific Application Programming Interface (API). for the implementation of the method. The latter can therefore perfectly be implemented, without particular action of the operator O.

 In this embodiment, the number of electronic requests and / or signals transiting between the platform P and the bank B1 is reduced.

For this, virtual bank accounts are created in the platform P. As soon as an agent opens a bank account at the B1 facility, the platform P is informed and creates a virtual bank account that said platform will manage. This virtual agent bank account is a mirror of the real agent's bank account open with of the establishment B1. In other words all the financial transaction data that affect the virtual bank account also affect the actual bank account agent. And conversely.

 The hypothesis retained here is the following:

- Agent A1 has two real bank accounts opened with the bank B1: a "units" account on which are credited the 200 banking units he has bought and a "commission" account on which commissions are paid it touches for each transaction for which it is selected. A virtual account units CU agent and a virtual account commission CCV _ag ent are open in the mirror platform P respectively account real units and account real board (Figure 8a).

 The entity (natural or legal person) managing the platform P holds a real bank account opened with the bank B1 on which are paid commissions it receives for each transaction. A CVpiateforme virtual account (FIG. 8a) is opened in the platform P mirroring this real account.

 The bank B1 owns its own bank account on which commissions are paid for each transaction. A CV virtual account (Figure 8a) is opened in the mirror platform P of this real account.

 Figure 7 illustrates the sequence of different steps implemented in this second embodiment. The steps and events that are identical to those of the first mode (Figure 6), keep the same reference and have not been described again.

 The platform P manages the agents' virtual units accounts, it is able to know the number of banking units available to the agents on their real units account. In fact, the step 3 ', the event 3 "and the step 3"' previously described for the first embodiment are no longer necessary. This agent selection factor can be determined directly in the platform P, without having to interrogate the bank B1.

 Event 110: if the check performed at the event 11 is positive, the platform P updates all the virtual accounts:

 - debits the virtual unit account of the agent A1 of the amount of the payment (debit of 100 banking units) (FIG. 8b),

credits the virtual commission CCV _{age account} of the agent A1 of a commission corresponding for example to 1% of the amount of the payment (FIG. 8b), - credits his own virtual account CV _p i _{3 the} form of a commission corresponding for example to 1% of the amount of the payment (figure 8b),

 credit the virtual bank account CVbank of the bank B1 of a commission corresponding for example to 1% of the amount of the payment (Figure 8b).

 Step 140: The platform P generates and transmits to the bank B1, instructions to update the set of real accounts. These instructions include data relating to the new balance of the different real accounts. These instructions also include an instruction to transfer all or part of the payment amount, from the actual unit account of the agent A1 to the bank account.

 Event 150: the bank B1 executes the instructions received by the platform P:

 - the actual units account of the agent A1 is debited with the amount of the payment,

 the actual commission account of agent A1 is credited with the amount of his commission, - the real account of the platform is credited with his commission,

 the actual account of the bank B1 is credited with its commission.

 The actual bank accounts therefore synchronize with the virtual bank accounts in response to the receipt of the instructions by the bank B1.

 In an alternative embodiment, the update of all the virtual accounts by the platform P (event 110) synchronizes automatically, and in real time, the update of all the real accounts by the bank B1 . In this case, the instructions transmitted by the platform P to the bank B1 during the step 140 contain only an instruction to transfer all or part of the payment amount, from the actual account of the agent A1 to the account. bank account walking. The event 150 is no longer necessary, which reduces the necessary computing resources in the server of the bank B1.

 The platform P acts as a trusted third party insofar as it verifies and / or validates the transactions and determines the amounts to be credited or debited on the different accounts.

Yratsmm mode of dreaming - Figures 9 and 10

In this embodiment, the payments between the agents and the merchants are based on an exchange of crypto-currencies (Bitcoin, Ethereum, etc.). For this, agents and merchants each have an electronic wallet of cryptocurrency (hereinafter called "wallet-crypto").

 In the architecture illustrated in FIG. 9, and for the sake of brevity, only the agent A1 is represented and exemplified. However, each other agent also has a wallet-crypto. As described above, the platform P may in particular communicate with the merchant server SM and the mobile terminal agent TA1 through the secure network R '.

As explained above, when the agent A1 registers with the platform P, he is led to download a computer application in his mobile terminal TA1. This computer application allows it to connect directly to a wallet-crypto provider FWC, for example Blockchain.info, to open a wallet-crypto agent WC _age nt- This provider FWC can be chosen by the agent A1, or preferably be pre-selected by the platform manager P and offered to the agent A1. In this case, during the registration process of the agent A1 on the platform P, a step consists of opening the wallet-crypto agent WCagent. The connection between the mobile terminal agent TA1 and the provider FWC is performed through a network R ", which is preferably a secure network type secure telecommunications network (Internet, mobile telephony, ...) or virtual private network ( VPN for English Virtual Private Network) In the same way, when the merchant M registers with the platform P, a merchant wallet-crypto WC _ma rchand is opened to him from the supplier FWC. access (password and / or identifier and / or encryption key) wallet-crypto WC _age , WCmarchand are communicated to the platform P, either directly by the provider FWC with which said platform is connected, or respectively by the A1 agent and the merchant M, at the end of their respective registration.

After opening his wallet-crypto WCagent, agent A1 buys cryptocurrency from an ECM cryptocurrency exchange web platform, for example coinify.com. For this, an account is open to him on the ECM exchange platform, which account is associated with the wallet-crypto WC _age nt. This account can be opened directly by the agent A1 or the platform P mandated by said agent. The agent A1 can then buy cryptocurrency, by paying by means of a credit card CB _age nt or by any other means of payment accepted by the exchange platform ECM. The ECM exchange platform can then connect to the FWC provider to credit the wallet-crypto WC _ag8 nt of the number of _{cryptocurrency} purchased. Advantageously, during the process of registration of the agent A1 on the platform P, a step may consist of the registration of the agent with the ECM exchange platform and another step may consist of the purchase of crypto -change. Since the platform P knows the coordinates and access data of the wallet-crypto WC _ag ent, said platform can know the cryptocurrency balance available to the agent A1. Also, one of the agents selection factors may be the amount of cryptocurrency available on the wallet-crypto WC _age nt (step 3 above).

 The FWC provider and the ECM exchange platform can possibly be one and the same entity. In other words, the ECM trading platform can offer cryptocurrency portfolios opening and management services.

 Figure 10 illustrates the sequence of different steps implemented in this third embodiment. The steps and events that are identical to those of the first two modes (Figures 6 and 7), keep the same reference and have not been described again.

Event 1100: If the check at event 1 1 is positive (ie both transaction numbers are identical), the platform P converts the purchase amount to cryptocurrency with the rate exchange rate in effect on the date and time of the completion of the event 1 1. For example, if the amount of the purchase is 75 € (Euros) and the agent A1 has Bitcoin on its wallet-crypto WC _ag ent, then the platform P will be able to evaluate at 0,04 Bitcoin the amount of the purchase.

Step 1200: The platform P generates and transmits to the supplier FWC, an instruction to transfer all or part of the amount of the converted payment cryptocurrency, since the wallet-crypto WCagent agent A1 to wallet-crypto WCmarchand the merchant M. instruction includes: the amount to be transferred in cryptocurrency, the coordinates and access data of the wallet-crypto WC _agen t, the coordinates of the wallet-crypto WC merchant. A commission can be paid to agent A1 (for example: between 0.5% and 1% of the payment amount). This commission may be materialized by the fact that the amount to be transferred in cryptocurrency calculated at event 100 corresponds to the amount of the payment affected by a commission coefficient k _ag ent, where 0 <k _age nt≤1.

Event 1300: the provider FWC debits the wallet-crypto WCagent of all or part of the amount of the payment in cryptocurrency (0.04 Bitcoin) and credits the wallet-crypto WCmarc and of the same amount. Step 1400: After executing the instructions received from platform P, the provider FWC generates and transmits to the platform P, a payment confirmation signal. In an alternative embodiment, the platform P can "listen" to the wallet-crypto WCmarchand to verify that the transfer of cryptocurrency has been made. This is made possible by the fact that at least the coordinates of the wallet-crypto WCmarchand have been previously transmitted to the platform P.

 Step 1500: the platform P generates and transmits to the merchant M, a payment confirmation signal. The merchant M can then treat the purchase in a conventional manner and deliver the good or the service to the customer C.

 The merchant M can decide to keep his cryptocurrency credited on his wallet-crypto WCmarchand- He can also instruct the platform P to systematically resell this cryptocurrency in a fiduciary currency (for example in euros) and to credit the amount on a bank account whose banking data have been previously communicated to said platform. This type of instruction and the communication of such bank data are for example filled in when registering the merchant M with the platform P.

 The arrangement of the various elements and / or means and / or steps of the invention, in the embodiments described above, should not be understood as requiring such an arrangement in all implementations. In any case, it will be understood that various modifications may be made to these elements and / or means and / or steps, without departing from the spirit and scope of the invention.

Claims

claims

1. Method for managing the payment of a good or service proposed by a "walking" user (M) with a "walking" bank account opened at a banking establishment (B2), the payment being made by means of an electronic "client" wallet of a "client" user (C) from a mobile terminal (TC) of the "client" user, characterized in that said method comprises the steps of:

 recording, in a computer platform (P), identification data of a plurality of "agent" users (A1, A2, A3), each "agent" user having:

 o an "agent" electronic purse,

 o an "agent" mobile terminal (TA1, TA2, TA3) whose call number is registered in the platform (P),

 o an "agent" bank account opened with a banking institution

(B1),

 transmit a payment signal to the computer platform (P),

 receiving the payment signal causes the computer platform (P) to execute a logical computer process adapted to assign at least one selection factor to each of the "agent" users (A1, A2, A3) and select an "agent" user (A1) among the plurality of "agent" users (A1, A2, A3) taking into account this selection factor,

 - execute payment instructions including the call number of the mobile terminal "agent" (TA1) of the selected "agent" user (A1) from the "client" mobile terminal (TC) so as to transfer the amount the payment, from the "customer" electronic purse to the "agent" electronic purse of said "agent" user (A1),

- execute a logical computer process resulting in the generation of an instruction to transfer all or part of the payment amount from the "agent" bank account of the selected "agent" user (A1) to the "walking" bank account .

The method of claim 1, including a step of assigning to each of the "agent" users (A1, A2, A3) at least one of the selection factors of the following list:

 mobile telephone operator (O) with which the "customer" user (C) has subscribed the payment service by the electronic purse, so that the computing platform (P) selects an "agent" user (A1) affine to the same operator (O) as said user "client";

 - geographical area where is located the mobile terminal "client" (TC), so that the computer platform (P) selects an "agent" user (A1) whose mobile terminal (TA1) is located in the same geographical area as said mobile terminal "customer" (TC);

 effective connection, via a telecommunication network (R '), between the mobile terminals "agents" (TA1, TA2, TA3) and the computing platform (P), so that the computing platform (P) selects a user "Agent" (A1) whose mobile terminal (TA1) is actually connected to said platform;

 - geographical area of availability of the electronic wallet payment service offered by a mobile telephone operator (O) and to which subscribes the user "customer" (C), so that the computing platform (P) selects a user "Agent" (A1) whose mobile terminal (TA1) is located in the same geographical area of availability as the mobile terminal "client" (TC);

 percentage or level of charge of an integrated battery in each of the "agent" mobile terminals (TA1, TA2, TA3) so that the computing platform (P) selects an "agent" user (A1) whose mobile terminal (TA1) has a percentage, or level, of battery charge at least equal to a determined value;

 - Available level of a processor or integrated CPU in each of the mobile terminals "agents" (TA1, TA2, TA3) and in particular the available percentage of RAM, so that the computing platform (P) selects a user "agent" ( A1) whose mobile terminal (TA1) has a percentage of random access memory at least equal to a determined value;

- nature of the connection, through a telecommunication network (R '), between the computer platform (P) and the mobile terminals "agents" (TA1, TA2, TA3), so that the computing platform (P) firstly selects an "agent" user (A1) whose mobile terminal (TA1) has a connection benefiting from the highest theoretical bit rate; quality of the connection, via a telecommunication network (R '), between the computer platform (P) and the mobile terminals "agents" (TA1, TA2, TA3), so that the computing platform (P) spreads firstly, an "agent" user whose mobile terminal is located in or near a geographical area where the connection is the worst;

 physically moving the "agents" mobile terminals (TA1, TA2, TA3), so that the computing platform (P) firstly selects an "agent" user (A1) whose mobile terminal (TA1) does not move, or if mobile terminals are in motion, the one whose displacement is the slowest.

 3. Method according to claim 2, wherein the computing platform (P) firstly selects an "agent" user (A1) whose mobile terminal (TA1) is in charge, that is to say connected to a current source. at the time of the selection process.

 4. Method according to one of claims 2 or 3, further comprising using at least the following selection factor:

 - balance of the "agents" bank accounts, so that the platform (P) selects an "agent" user (A1) whose bank account has a number of banking units greater than or equal to a corresponding number of banking units the amount of the payment.

5. Method according ^to one of the preceding claims, wherein all or part of selection factors are determined based on information transmitted to the computer platform (P) by mobile terminals "agents" (TA1, TA2, TA3).

 6. The method of claim 5, wherein the transmission of information is performed in response to an electronic query query generated and transmitted by the computer platform (P) to the mobile terminals "agents" (TA1, TA2, TA3).

 7. Method according to one of the preceding claims, further comprising the steps of:

 transmit a payment confirmation signal to the mobile terminal "customer" (TC) and transmit a payment confirmation signal to the mobile terminal "agent" (TA1) of the user "agent" (A1) selected, which signals each include a unique transaction number,

transmitting to the computer platform (P), from the mobile terminal "agent" (TA1), the unique transaction number received by said mobile terminal "agent", transmit to the computing platform (P) the unique transaction number received by the mobile terminal "client",

 comparing, in the computer platform (P), the transaction number received by the mobile terminal "agent" (TA1) and the transaction number received by the mobile terminal "client" (TC),

 if the transaction numbers match, generate from the computer platform (P), the instruction to transfer all or part of the payment amount, from the bank account "agent" to the bank account "walking", and transmit this instruction to the bank (B1) with which the 'agent' bank account is open,

 transfer all or part of the payment amount from the "agent" bank account to the "merchant" bank account.

 8. Method according to one of the preceding claims, comprising a step of opening, in the computer platform (P), a virtual bank account "agent" which is a mirror of the bank account "agent" actually opened with the institution bank (B1), so that financial transaction data affecting said virtual bank account also affect the actual bank account, and vice versa.

 9. The method of claim 8, consisting in establishing a connection between the computer platform (P) and the bank (B1) with which is open the actual bank account "agent", so that the virtual bank account "agent" and the actual "agent" bank account will automatically synchronize.

 10. The method of claim 9, wherein the actual bank account "agent" synchronizes with the virtual bank account "agent", in response to the receipt of instructions transmitted by the computer platform (P) to the bank ( B1).

 11. Payment management system for a good or service proposed by a "walking" user (M) with a "walking" bank account opened at a banking establishment (B2), the payment being made by means of a an electronic "client" wallet of a "client" user (C) from a mobile terminal (TC) of the "client" user, characterized in that said system comprises:

a computer platform (P) in which identification data of a plurality of "agent" users (A1, A2, A3) are stored, each "agent" user having: o an "agent" electronic purse,

 o an "agent" mobile terminal (TA1, TA2, TA3) whose call number is registered in the platform (P),

 o an "agent" bank account opened with a banking institution

(B1),

 the computing platform (P) comprises at least one processor (50) and at least one memory (51) in which at least one computer application is stored whose instructions, when executed by said, allow:

 o assign at least one selection factor to each user

"Agents" (A1, A2, A3),

 o select an "agent" user (A1) from the plurality of users

"Agents" (A1, A2, A3) taking into account this selection factor, o generating payment instructions including the call number of the "agent" (TA1) mobile terminal of the "agent" user (A1) selected, the mobile terminal "customer" (TC) is adapted to execute the payment instructions so that the amount of the payment is transferred from the electronic wallet "customer" to the electronic purse "agent" of the 'agent' user (A1) selected,

 the computer platform (P) is adapted to generate an instruction to transfer all or part of the payment amount from the "agent" bank account of the selected "agent" user (A1) to the "walking" bank account.

 12. System according to claim 11, wherein the "walking" bank account and the "agent" bank account are cryptocurrency portfolios open on a cryptocurrency exchange (ECM) web platform or a cryptocurrency wallet provider (FWC).

 13. Computer platform (P) adapted to manage the payment of a good or service proposed by a "walking" user (M) with a "walking" bank account opened with a banking establishment (B2), the payment being realized by means of an electronic wallet "client" of a user "client" (C) from a mobile terminal (TC) of the user "client", characterized by the fact that said platform comprises:

a database (53) in which identification data of a plurality of "agent" users (A1, A2, A3) are recorded, each "agent" user having: o an "agent" electronic purse,

 o an "agent" mobile terminal (TA1, TA2, TA3) whose call number is registered in the platform (P),

 o an "agent" bank account opened with a bank (B1),

 at least one processor (50) and at least one memory (51) in which at least one computer application is stored whose instructions, when executed by said processor, allow:

 o assign at least one selection factor to each of the "agent" users (A1, A2, A3),

 o select an "agent" user (A1) from the plurality of users

"Agents" (A1, A2, A3) taking into account this selection factor, o generating payment instructions including the call number of the "agent" mobile terminal (TA1) of the selected "agent" user, which instructions are adapted to be executed by the mobile terminal "customer" (TC) so that the amount of payment is transferred from the electronic wallet "customer" to the electronic purse "agent" of the user " agent "(A1) selected, o generate an instruction to transfer all or part of the payment amount, from the" agent "bank account of the" agent "user

(At) selected, to the "walking" bank account.

 14. A mobile terminal comprising at least one processor and at least one memory in which at least one computer application is recorded, characterized in that the computer application comprises instructions which, when executed by said processor, make it possible to implement the method according to claim 1.

 The mobile terminal according to claim 14, wherein the computer application includes instructions which, when executed by the processor, enable appropriate information to be transferred to determine all or part of the user selection factors "agents". ".

Computer server comprising at least one processor and at least one memory in which at least one computer application is recorded, characterized in that the computer application comprises instructions which, when executed by said processor, implement method according to claim 1.