Method for exchanging data concerning an electronic 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 (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.

1 . Method of exchanging data relating to an electronic transaction between a first entity (MW) and a second entity (CL), said transaction (TR) being identified by an identifier (TR_ID), which method is characterized in that it comprises: 
 a step of determining and reserving an origin address (TPOA) conforming to a bidirectional digital mobile telephony (GSM) messaging protocol (SMS), said determination being effected as a function of said identifier (TR_ID) of said transaction (TR) and an identifier (CL_TEL) of said second entity (CL);    a step of sending a message (OFFER_SMS) in accordance with said protocol (SMS) offering said transaction (TR), said offer message (OFFER_SMS) being sent from said first entity (MW) to said second entity (CL) and containing said origin address (TPOA) reserved during said determination and reservation step; and    in the event of explicit acceptance or refusal of said transaction (TR), a step of sending from said second entity (CL) to said first entity (MW) a response message (RESPONSE_SMS) conforming to said protocol (SMS) to said offer message (OFFER_SMS), said response message containing information (REP) representative of acceptance or rejection of said transaction.    
     
     
         2 . Data exchange method according to  claim 1 , characterized in that said first entity (MW) is adapted to repeat the step of sending said offer message (OFFER_SMS).  
     
     
         3 . Data exchange method according to either  claim 1 , characterized in that it comprises, prior to said step of determining said origin address (TPOA), a step of sending a message (TR_DEF) defining said transaction (TR) from a third entity (BQ) to said first entity (MW), said definition message (TR_DEF) containing said transaction identifier (TR_ID) and an identifier (CL_TEL) of said second entity (CL).  
     
     
         4 . Data exchange method according to  claim 3 , characterized in that said origin address (TPOA) is further determined as a function of an identifier (BQ_N) of said third entity (BQ).  
     
     
         5 . Data exchange method according to  claim 3 , characterized in that said definition message (TR_DEF) further comprises a validity period (VP) of said transaction (TR).  
     
     
         6 . Data exchange method according to  claim 5 , characterized in that said origin address (TPOA) is determined as a function of said validity period (VP).  
     
     
         7 . Data exchange method according to  claim 3 , characterized in that said origin address (TPOA) is determined in a predetermined list (LS) known to said third entity (BQ) and to said second entity (CL).  
     
     
         8 . Data exchange method according to  claim 7 , characterized in that said origin address (TPOA) is determined cyclically from said predetermined list (LS).  
     
     
         9 . Data exchange method according to  claim 3 , characterized in that, on reception of said response message (RESPONSE_SMS), said first entity (MW) sends a response notification (RESPONSE_TR) to said third entity (BQ), said response notification containing said information (REP).  
     
     
         10 . Data exchange method according to  claim 9 , characterized in that it comprises, prior to said step of sending the response message (RESPONSE_SMS), a step of inserting a code (PIN) representative of said second entity (CL) into said response message (RESPONSE_SMS).  
     
     
         11 . Data exchange method according to  claim 10 , characterized in that said code (PIN) representative of a user of said second entity (CL) is inserted into said response notification (RESPONSE_TR).  
     
     
         12 . Data exchange method according to  claim 9 , characterized in that, on reception of said response notification (RESPONSE_TR), said third entity (BQ) sends an acknowledgement message (ACK) to said first entity (MW).  
     
     
         13 . Data exchange method according to  claim 3  characterized in that, if no response message (RESPONSE_SMS) is received during said validity period (VP), said first entity (MW) sends a non-response notification message (NON-RESPONSE_TR) to said third entity (BQ).  
     
     
         14 . Data exchange method according to  claim 12 , characterized in that, on reception of said non-response notification (NON-RESPONSE_TR), said third entity (BQ) sends an acknowledgement message (ACK) to said first entity (MW).  
     
     
         15 . Data exchange method according to  claim 14 , characterized in that, on reception of said acknowledgement message (ACK), said first entity (MW) releases said origin address (TPOA) reserved during said obtaining and reservation step.  
     
     
         16 . Data exchange method according to  claim 14 , characterized in that, on reception of said acknowledgement message (ACK), said first entity (MW) retains said origin address (TPOA) in order to allow said transaction (TR) to continue.  
     
     
         17 . Device for exchanging data relating to an electronic transaction with a second entity (CL), said transaction (TR) being identified by an identifier (TR_ID), characterized in that it comprises: 
 means ( 10 ) for determining and reserving an origin address (TPOA) conforming to a bidirectional digital mobile telephony (GSM) messaging protocol (SMS), said determination being effected as a function of said identifier (TR_ID) of said transaction (TR) and an identifier (CL_TEL) of said second entity (CL);    means ( 20 ) for sending a message (OFFER_SMS) in accordance with said protocol (SMS) offering said transaction (TR), said offer message (OFFER_SMS) being sent to said second entity (CL) and containing said origin address (TPOA) reserved during said determination and reservation step; and    means ( 30 ) for receiving, from said second entity (CL), a response message (RESPONSE_SMS) conforming to said protocol (SMS) and responding to said offer message (OFFER_SMS), said response message comprising information (REP) representative of acceptance or rejection of said transaction.    
     
     
         18 . Data exchange device according to  claim 17 , characterized in that said sending means ( 20 ) are adapted to repeat the sending of said offer message (OFFER_SMS).  
     
     
         19 . Data exchange device according to  claim 17 , characterized in that it comprises means ( 40 ) for receiving a message (TR_DEF) defining said transaction (TR) from a third entity (BQ), said definition message (TR_DEF) containing said transaction identifier (TR_ID) and an identifier (CL_TEL) of said second entity (CL).  
     
     
         20 . Data exchange device according to  claim 17  characterized in that said determination and reservation means ( 10 ) are further adapted to determine said origin address (TPOA) as a function of an identifier (BQ_N) of said third entity (BQ).  
     
     
         21 . Data exchange device according to  claim 19 , characterized in that said definition message (TR_DEF) further comprising a validity period (VP) of said transaction (TR), said determination and reservation means ( 10 ) are adapted to determine said origin address (TPOA) as a function of said validity period (VP).  
     
     
         22 . Data exchange device according to  claim 19 , characterized in that said determination and reservation means ( 10 ) are adapted to determine said origin address (TPOA) in a predetermined list (LS) known to said third entity (BQ) and to said second entity (CL).  
     
     
         23 . Data exchange device according to  claim 22 , characterized in that said determination and reservation means ( 10 ) are adapted to determine said origin address (TPOA) in said predetermined list (LS) cyclically.  
     
     
         24 . Data exchange method according to  claim 19 , characterized in that it further comprises means ( 50 ) for sending a response notification (RESPONSE_TR) adapted, on reception of said response message (RESPONSE_SMS), to send said response notification (RESPONSE_TR) to said third entity (BQ), said response notification containing said information (REP).  
     
     
         25 . Data exchange device according to  claim 17 , characterized in that it further comprises means ( 60 ) for releasing said origin address (TPOA) reserved by said obtaining and reservation means ( 10 ).  
     
     
         26 . Data exchange method according to  claim 10 , characterized in that it comprises, prior to said step of sending the response message (RESPONSE_SMS), a step of inserting a code (PIN) representative of said second entity (CL) into said response message (RESPONSE_SMS).