Abstract: An electronic system for payment via a telecommunications network between firstly a vendor having a server suitable for implementing a secure protocol for payment by smart card, and secondly a client having navigation and electronic payment means suitable for making a payment to said vendor using client software for handling payment that includes the secure payment protocol. The client software for handling payment is installed on a payment server on the telecommunications network. The system comprises, at the client end, navigation means, electronic payment means constituted by a mobile terminal connected to the network and including a reader for reading payment smart cards, and means for redirecting messages suitable for transmitting at least the call number of the mobile terminal to the payment server.

Abstract: The invention concerns a method of securing credit card transactions between a holder and a merchant, particularly via a telecommunication network, characterized in that it comprises the steps in which: the holder signifies to a third party his intention to enter into contact with the merchant; the holder enters into contact with the merchant through the third party; the third party establishes a link between itself and the holder, and between itself and the merchant; the third party manages the formation of temporary information, the entry of this information in the order form and the relational connection of the temporary information with the real bank information from the credit card of the holder to check the various authorizations with the banks for the acknowledgement of the order. The invention also relates to a system and a third party for implementing the method, and a computer program product included in the third party.

Abstract: The invention concerns an electronic payment system through a telecommunication network, between a salesperson equipped with a server (10) capable of using a safe payment protocol by smart cards, and a client provided with means (21, 22) for browsing and for electronic payment capable of executing a payment with said salesperson through a payment management client/software including said safe payment protocol (SET). The invention is characterised in that said payment management client/software being installed on a payment server (30) on the telecommunication network, said system comprises: browsing means (21, 22); electronic payment means consisting of a mobile terminal (22) connected to the network and comprising a payment chip card reader (221); means for re-routing messages capable of transmitting to said payment server (30) at least the call number of said mobile terminal (22). The invention is applicable to electronic commerce.

Abstract: A process for exchange of rights between microprocessor cards, wherein multiple keys (K1, K2, . . . ) and varied keys (Ka5, Kb3) are used. A card to be debited calculates a voucher with varied key (Ka5) that the card to be credited reconstitutes. The process has application to electronic payment.