Electronic payment for the purchase of goods or proposed by a commercial server and procedure implemented in a facility such services.

摘要

Electronic payment system that includes at least one gateway (24) for the purchase of goods or proposed by at least one commercial server (10) services, the gateway comprising: - means (28) for information exchange for the issuance of a request electronic payment of at least a good or service to a commercial server (10), - a voice server (26) accessible to a user via a telecommunications network (22) by means of a telephone device (20) to generate the payment request, and an interface (29) transcription of the payment request between the voice server (26) and means of information exchange (28), - receiving means (28) of goods or services paid and transmission means (28) of that good or service to the user; characterized in that the electronic payment further comprises means (14) for managing financial transactions and means of transmission of the electronic payment request to these management means (14) including means (14) financial transaction management means transmitting an authentication request of the sender of the electronic payment request to the means (28) for exchanging information of the gateway (24), means transmission of a payment contract to the gateway (24) when the issuer electronic payment request is authenticated and authorization means of transmission or service after verification of a user key provided by the latter to accept the contract.