Secure payment method for use with open networks, such as the Internet, with payment security improved by use of an authentication step involving use of a customer's mobile phone to send and receive authentication codes

摘要

A purchaser (4) transmits a banker's code-address to a supplier (7) with the code address having an ID field for the bank, an account number and an ID code different for each purchaser, similar details are sent to an operator, with a mobile phone network used to send an SMS message to the purchaser requesting authentication. The latter enters a verification code which is matched with an identification number and the bank account number.