Abstract: A method for exchanging data concerning an electronic transaction between two entities, includes: a step which consists in determining and booking an origin address (TPOA) in conformity with a bidirectional mobile telephony (GSM) digital messaging service protocol (SMS); a step which consists in sending in accordance with the protocol (SMS), an offer message (OFFRE_SMS) of the transaction (TR), the offer message (OFFRE_SMS) being sent from the first entity (MW) and addressed to the second entity (CL); and a step which consists in sending, from the second entity (CL) and addressed to the first entity (MW), a reply message comprising an information (REP) representing acceptance or rejection of the transaction.

Abstract: A method for exchanging data concerning an electronic transaction between two entities, includes: a step which consists in determining and booking an origin address (TPOA) in conformity with a bidirectional mobile telephony (GSM) digital messaging service protocol (SMS); a step which consists in sending in accordance with the protocol (SMS), an offer message (OFFER_SMS) of the transaction (TR), the offer message (OFFER_SMS) being sent from the first entity (MW) and addressed to the second entity (CL); and a step which consists in sending, from the second entity (CL) and addressed to the first entity (MW), a reply message comprising an information (REP) representing acceptance or rejection of the transaction.

Abstract: The invention concerns a remote electronic payment system comprising an authentication device (300) with an authenticating server in a remote payment system, the authentication being performed prior to a transaction carried out by a user. The device (300) is characterised in that it comprises: means (310) for receiving a first authentication request, from the authenticating server; means (330) for verifying the validity of the authentication request; means (350) for validation, by the user, of the transaction; means (370) for controlling said user's identity; and means (380) for sending a return message of authentication, to the authenticating server (900).

Abstract: A card payment system includes a purchases assistance system linking online merchants of goods or services, including digital goods, with the operator of the card issuance system. Merchants can use the purchases assistance system to seek help from the Issuer for resolving disputes related to purchases of digital goods of which the provisioning may have failed, to trade better commercial terms from the Issuer in exchange for providing details of products purchased by cardholders, to verify the balance of debit cards and request a reservation of funds from the Issuer to lower their financial risks prior to certain types of transactions, or to signal to the Issuer special loyalty rewards associated with specific purchases.

Abstract: A method for exchanging data concerning an electronic transaction between two entities, includes: a step which consists in determining and booking an origin address (TPOA) in conformity with a bidirectional mobile telephony (GSM) digital messaging service protocol (SMS); a step which consists in sending in accordance with the protocol (SMS), an offer message (OFFRE_SMS) of the transaction (TR), the offer message (OFFRE_SMS) being sent from the first entity (MW) and addressed to the second entity (CL); and a step which consists in sending, from the second entity (CL) and addressed to the first entity (MW), a reply message comprising an information (REP) representing acceptance or rejection of the transaction.

Abstract: The invention concerns a remote electronic payment system comprising an authentication device (300) with an authenticating server in a remote payment system, the authentication being performed prior to a transaction carried out by a user. The device (300) is characterised in that it comprises: means (310) for receiving a first authentication request, from the authenticating server; means (330) for verifying the validity of the authentication request; means (350) for validation, by the user, of the transaction; means (370) for controlling said user's identity; and means (380) for sending a return message of authentication, to the authenticating server (900).

Abstract: A card payment system includes a purchases assistance system linking online merchants of goods or services, including digital goods, with the operator of the card issuance system. Merchants can use the purchases assistance system to seek help from the Issuer for resolving disputes related to purchases of digital goods of which the provisioning may have failed, to trade better commercial terms from the Issuer in exchange for providing details of products purchased by cardholders, to verify the balance of debit cards and request a reservation of funds from the Issuer to lower their financial risks prior to certain types of transactions, or to signal to the Issuer special loyalty rewards associated with specific purchases.

Abstract: An electronic transactions system suitable for payment services wherein certain merchants needing to accept online micro-payments from holders of mainstream payment cards are equipped with an online Point Of Service system capable of communicating directly with an operator acting on behalf of the issuer of the cards of the payers via a dedicated data communication protocol to obtain an authorization for micro-payments without transiting through a separate acquirer and interchange network, whereas the card-holder payer needs only to fund a single account for both micro-payments with those certain merchants and regular payments with all other merchants where their card is accepted.

Abstract: A method for exchanging data concerning an electronic transaction between two entities, includes: a step which consists in determining and booking an origin address (TPOA) in conformity with a bidirectional mobile telephony (GSM) digital messaging service protocol (SMS); a step which consists in sending in accordance with the protocol (SMS), an offer message (OFFRE_SMS) of the transaction (TR), the offer message (OFFRE_SMS) being sent from the first the (MW) and addressed to the second entity (CL); and a step which consists in sending, from the second entity (CL) and addressed to the first entity (MW), a reply message comprising an information (REP) representing acceptance or rejection of the transaction.