METHOD AND SYSTEM FOR FORMAL GUARANTEE OF A PAYMENT, USING A PORTABLE TELEPHONE

摘要

The invention concerns a method and a system enabling a user to perform remote payment settlement with a purchaser (23) payment for goods and/or services without risk of repudiation on the part of the user (2). The method comprises a step whereby the user (2) of goods and/or services transmits to a purchaser (23) supplying goods and/or services, the call number (13) of the mobile telephone (25) of the user (2); the step, whereby the user (2) transmits directly or indirectly, a password (15) to a banking institution (7). When the user (2) is registered, the password is transmitted by the banking institution (7) to the user (2), entirely or partly via a terminal (8), in particular an ATM/ABM automatic cash dispensing machine. The method further comprises a step, whereby the user (2) electronically signs the payment, by activating a private key, located in particular in the SIM card (48) of the mobile telephone (25) of the user (2). The user (2) thus remotely settle the payment for goods and/or services without the possibility of subsequent repudiation.