A method of paying from an account by a customer having a mobile user terminal, and a customer authenticating network

摘要

A method is provided of paying from an account by a customer having a mobile user terminal. The method comprises the following steps. The phone number of mobile user terminal of the customer is provided to an authenticating network. The authenticating network uses the phone number to inspect a database relating phone numbers to account indicators and associated customer identity indicators so as to obtain an account indicator and a customer identity indicator of the mobile user terminal of the customer. A call connection between the authenticating network and the mobile user terminal is set up. A customer identity indicator is sent from the mobile user terminal to the authenticating network. The authenticating network checks that the customer identity indicator received from the mobile user terminal accords with that expected from the inspection of the database. If so the authenticating network indicates that the customer is authentic so as to enable the payment to proceed.