FR3069356A1 - METHOD AND SYSTEM FOR MANAGING PAYMENT BY ELECTRONIC WALLET - Google Patents

Abstract

The invention relates to a method of managing the payment of a good or service proposed by a "walking" user having a "walking" bank account opened with a banking institution, the payment being made by means of a door electronic money "customer" of a "customer" user from a mobile terminal of the "customer" user. One step of the method consists in selecting an "agent" user from the plurality of "agent" users by taking into account at least one selection factor. The payment is made by transferring the payment amount, from the "client" electronic purse to the "agent" electronic purse of said selected "agent" user, and then transferring all or part of the payment amount from an account bank "agent" of the selected "agent" user, to the "walking" bank account.

Description

Description

Technical field of the invention.

The subject of the invention is a method and a system for managing payment by electronic wallet. The invention also relates to a computer platform adapted to manage a payment by electronic wallet.

It concerns the technical field of payments on mobile terminals (Mobile Money or Mobile Wallet in English), which allow customers to pay for goods or services, using their mobile terminal, in particular their mobile phone.

State of the art.

Certain mobile operators offer their customers payment services using their mobile terminal (for example: Orange and its “Orange Money” service, Vodafone / Safaricom and its “M-PESA” service).

These payment services are generally offered to populations who do not have a bank account. Mobile terminal users who subscribe to this service from the operator to which they are affiliated are assigned an associated account, or electronic wallet, on which they can

-2 perform different payment transactions. These electronic wallets are managed by operators and are commonly called by their English expressions Mobile Money or Mobile Wallet. To fund his account, the user can go to a point of sale to deposit cash, receive money from another user by transfer or receive his salary directly on his account, pay bills (water, electricity , television, telephone, school fees), etc.

Each operator has a dense network of agents, that is to say sales outlets providing services. These agents guarantee operators visibility and effective coverage of a given geographic area. The agent ensures, on behalf of the operator, the registration of new customers, and the operations of deposits and withdrawals of money. Agents are generally all remunerated by commissions on the execution of operations carried out at their point of sale.

A customer with an electronic wallet registered with a mobile operator can pay for a good or service purchased from a merchant. But for the transaction to be effective, the merchant must have an electronic wallet registered with a mobile operator. Generally, the customer who wishes to carry out a financial transaction from a merchant website, transmits his call number to said site. The latter generates an electronic transaction authorization request containing the customer's call number and the amount of the payment, which request is transmitted, through a computer telecommunications network, to the mobile operator to which said customer is affiliated. Upon receipt of the transaction authorization request, the mobile operator generates a transaction authorization if the electronic purse associated with the customer's call number has sufficient funds to cover the payment amount. This transaction authorization is then transmitted to the merchant website. Upon receipt of the transaction authorization, the website

-3marchand validates the transaction with the client. The mobile operator debits the customer’s electronic wallet from the associated amount, and transfers the money to the electronic wallet from the merchant site.

For regulatory reasons, mobile operators are not considered to be banks or financial institutions and are therefore not authorized to carry out capital movements (transfer / reception of money) outside a regulated geographic area , such as for example the UEMOA area (for West African Economic and Monetary Union). The BCEOA (for the Central Bank of West African States) can in particular prohibit an operator offering payment solutions by electronic wallet, money transfers between the UEMOA area and abroad. For example, a mobile operator based in Senegal will not be able to transfer money to a merchant with a bank account in France. In other words, a customer holding an electronic wallet opened with an operator located in the UEMOA area, will not be able to make a purchase from a merchant with a bank account opened in a bank located outside of the UEMOA space.

Also, a merchant wishing to access the UEMOA market, must either open a bank account with a bank located in the UEMOA space, or subscribe to the electronic wallet services of all the mobile operators installed in the UEMOA space. It is easily understood that these opening of accounts and / or these subscriptions of electronic wallet services can be long and costly for merchants.

The invention aims to remedy this state of affairs. In particular, an objective of the invention is to facilitate access to merchants wishing to access markets in regulated geographic areas.

Another objective of the invention is to increase the number of merchants from whom a customer having an electronic wallet can make purchases of goods or services.

An additional objective of the invention is to set up logical IT processes making it possible to make payments by electronic wallet, quickly, reliably and securely.

Disclosure of the invention.

The solution proposed by the invention is a method for managing the payment of a good or service offered by a “walking” user having a “walking” bank account opened with a banking establishment, the payment being made by means of a “customer” electronic wallet of a “customer” user from a mobile terminal of the “customer” user.

This process comprises steps consisting in:

- record, in a computer platform, identification data of a plurality of "agent" users, each "agent" user having:

o an “agent” electronic wallet, o an “agent” mobile terminal, the call number of which is registered in the platform, o an “agent” bank account opened with a banking establishment,

- transmit a payment signal to the IT platform,

the reception of the payment signal leads to the execution of a logical computer process suitable for assigning at least one selection factor to each of the “agent” users and selecting a “agent” user from the plurality of “agent” users by taking into account this selection factor,

- execute payment instructions including the call number of the “agent” mobile terminal of the selected “agent” user, from the “client” mobile terminal, so as to transfer the payment amount, from the electronic wallet “Client” to the “agent” electronic wallet of the selected “agent” user,

- execute a logical IT process leading to the generation of an instruction to transfer all or part of the payment amount, from the "agent" bank account of the selected "agent" user, to the "working" bank account.

According to the invention, payment is not made directly between the customer and the merchant. The agent, and more particularly his electronic wallet, acts as an intermediary between the customer and the merchant. The invention is based on the fact that customers hardly ever have a bank account open with a banking establishment while the majority, if not all, of the agents providing, on behalf of the mobile telephone operators, the services of electronic wallets, have such a bank account. The invention makes it possible to transfer the payment amount from the customer's electronic wallet to the electronic wallet of a selected agent, then to transfer this amount to the agent's bank account. Since money transfers between banking establishments are authorized, all or part of the payment amount can be easily transferred from the agent's bank account to the merchant's bank account, even if these two accounts are located in two different regulated geographical areas. Also, it is no longer necessary for the merchant to have an electronic wallet registered with a mobile operator or a bank account opened with a bank located in the customer’s restricted geographic area. This allows merchants to easily access many markets. And conversely, customers can now buy goods or services from more merchants.

Other advantageous features of the invention are listed below. Each of these characteristics can be considered alone or in combination

-6combination with the remarkable characteristics defined above, and be the subject, if necessary, of one or more divisional patent applications:

- Each of the "agent" users can be assigned at least one of the selection factors from the following list: mobile operator with which the "client" user has subscribed to the payment service via electronic wallet; geographic area where the “customer” mobile terminal is located; effective connection, through a telecommunications network, between the "agent" mobile terminals and the IT platform; geographic area of availability of the electronic wallet payment service offered by a mobile operator and to which the user "customer" has subscribed; percentage, or level, of charge of a battery integrated in each of the “agent” mobile terminals; available level of a processor or CPU integrated in each of the "agent" mobile terminals and in particular the available percentage of RAM; nature of the connection, via a telecommunications network, between the IT platform and the "agent" mobile terminals; quality of the connection, through a telecommunications network, between the IT platform and the "agent" mobile terminals; physical movement of “agent” mobile terminals; "agent" bank account balance.

- All or part of the selection factors are preferably determined based on information transmitted to the IT platform by "agent" mobile terminals.

- The transmission of this information is preferably carried out in response to an electronic query request generated and transmitted by the IT platform to the "agent" mobile terminals.

- The method can further comprise steps consisting in: transmitting a payment confirmation signal to the “customer” mobile terminal and transmitting a confirmation signal to the “agent” mobile terminal of the selected “agent” user, which signals each include a unique transaction number; - transmit to the IT platform, from the “agent” mobile terminal, the unique transaction number received by said “agent” mobile terminal; - transmit to the IT platform, the unique transaction number received by said “client” mobile terminal; - compare, in the IT platform, the transaction number received by the “agent” mobile terminal and the transaction number received by the “client” mobile terminal; - if the transaction numbers match, generate from the computer platform the instruction to transfer all or part of the payment amount, from the "agent" bank account to the "working" bank account, and transmit this instruction to the banking establishment with which the “agent” bank account is opened; - transfer all or part of the payment amount, from the bank, to the "working" bank account.

- The method can comprise a step consisting in opening, in the computer platform, a virtual “agent” bank account which is a mirror of the “agent” bank account actually opened with the banking establishment, so that transaction data Affecting said virtual bank account also affect the actual bank account, and vice versa.

- A connection is advantageously established between the IT platform and the bank with which the real "agent" bank account is opened, so that the virtual "agent" bank account and the real "agent" bank account are automatically synchronized. The "agent" real bank account can synchronize with the "agent" virtual bank account, in response to the receipt of instructions transmitted by the IT platform to the banking establishment.

Another aspect of the invention relates to a system for managing the payment of a good or service offered by a “walking” user having a “walking” bank account opened with a banking establishment, the payment being made by means of of an electronic “customer” wallet of a “customer” user from a mobile terminal of the “customer” user, said system comprising:

- an IT platform in which identification data of a plurality of "agent" users are recorded, each "agent" user having:

o an “agent” electronic wallet, o an “agent” mobile terminal, the call number of which is registered in the platform, o an “agent” bank account opened with a banking establishment,

- the IT platform comprises at least one processor and at least one memory in which at least one computer application is recorded, the instructions of which, when executed by said allow:

o assign at least one selection factor to each of the “agent” users o select one “agent” user from the plurality of “agent” users by taking this selection factor into account, o generate payment instructions including the number d call of the “agent” mobile terminal of the selected “agent” user,

- the “customer” mobile terminal is adapted to execute the payment instructions so that the payment amount is transferred, from the “customer” electronic wallet to the “agent” electronic wallet of the selected “agent” user ,

- the IT platform is adapted to generate an instruction to transfer all or part of the payment amount, from the "agent" bank account of the selected "agent" user, to the "working" bank account.

The “working” bank account and the “agent” bank account can be cryptocurrency wallets opened with a cryptocurrency exchange or a cryptocurrency wallet provider.

An additional aspect of the invention relates to an IT platform adapted to manage the payment of a good or service offered by a “walking” user having a “walking” bank account opened with a banking establishment, the payment being produced by means of an electronic “customer” wallet of a “customer” user from a mobile terminal of the “customer” user, said platform comprising:

- a database in which identification data of a plurality of "agent" users are recorded, each "agent" user having:

o an “agent” electronic wallet, o an “agent” mobile terminal, the call number of which is registered in the platform, o an “agent” bank account opened with a banking establishment,

- at least one processor and at least one memory in which at least one computer application is stored, the instructions of which, when executed by said processor, make it possible to:

o assign at least one selection factor to each of the “agent” users, o select one “agent” user from the plurality of “agent” users, taking this selection factor into account, o generate payment instructions including the number of the mobile terminal "agent" of the user "agent" selected, which instructions are adapted to be executed by the mobile terminal "customer" so that the amount of the payment is transferred, from the electronic wallet " client ”to the“ agent ”electronic wallet of the selected“ agent ”user, o generate an instruction to transfer all or part of the payment amount, from the“ agent ”bank account of the selected“ agent ”user, to the "working" bank account.

- A further aspect of the invention relates to a mobile terminal comprising at least one processor and at least one memory in which is recorded at least one computer application, which computer application comprises instructions which, when executed by said processor, allow to implement all or part of the steps of the management method according to the invention. The computer application notably includes instructions which, when executed by the processor, make it possible to transfer adapted information to determine all or part of the selection factors for "agent" users.

A further aspect of the invention relates to a computer server comprising at least one processor and at least one memory in which at least one computer application is recorded, which computer application comprises instructions which, when executed by said processor, make it possible to implement all or part of the steps of the process according to the invention.

Description of the figures.

Other advantages and characteristics of the invention will appear better on reading the description of a preferred embodiment which will follow, with reference to the appended drawings, produced by way of indicative and nonlimiting examples and in which:

- Figure 1 shows schematically a system for implementing the method of the invention,

FIG. 2 shows diagrammatically the arrangement of different components of a computer server for managing a mobile telephone operator,

FIG. 3 shows diagrammatically the arrangement of different components of an electronic platform used for implementing the method which is the subject of the invention,

FIG. 4 shows diagrammatically the arrangement of different components of a “client” mobile terminal or of an “agent” mobile terminal,

FIG. 5 shows diagrammatically the arrangement of different components of a computer server of a “merchant” user,

FIG. 6 illustrates different steps implemented in the process which is the subject of the invention, according to a first embodiment,

FIG. 7 illustrates different steps implemented in the process which is the subject of the invention, according to a second embodiment,

FIG. 8a diagrams the balance of virtual accounts before transaction,

FIG. 8b shows diagrammatically the balance of the virtual accounts of FIG. 8a, after transaction,

FIG. 9 diagrammatically shows a variant of a system for implementing the method of the invention,

FIG. 10 illustrates different steps implemented in the process which is the subject of the invention, according to the embodiment of FIG. 9.

Preferred embodiments of the invention.

The process which is the subject of the invention consists of a coherent sequence of steps making it possible to achieve a desired result. These steps generate manipulations of physical elements, in particular signals (electrical or magnetic) and digital data, capable of being stored, transferred, combined, compared, etc.

The method is implemented by means of computer applications executed respectively by a processor or microprocessor of a computer device (mobile terminal, merchant website, operator of

- 12 mobile telephony, computer server, ...). For the sake of clarity, it should be understood in the sense of the invention that "the device does something" means "the computer application executed by the processor or microprocessor of the device does something". Just like "the computer application does something" means "the computer application executed by the device's processor or microprocessor does something".

Again for the sake of clarity, the present invention refers to one or more “logical computer processes”. These correspond to the actions or results obtained by executing the instructions of the various computer applications. Also, it must also be understood in the sense of the invention that "a logical computer process is suitable for doing something" means "the instructions of a computer application executed by a processor or microprocessors do something".

Referring to FIG. 1, a system allowing the implementation of the process which is the subject of the invention may include:

- a “merchant” user M, hereinafter referred to as “merchant”,

- a mobile telephone operator O, hereinafter called operator,

- a computer platform P,

- a computer database B,

- one or more banking establishments B1, B2,

- a user "client" C, hereinafter called "client", having a mobile terminal "client" TC,

- a plurality of "agent" users A1, A2, A3, hereinafter called "agents", each having a mobile terminal "agent" TA1, TA2, TA3.

As an illustrative example only, the regulatory area selected is the UEMOA area. The operator O is located in the UEMOA area, in Senegal (which is considered to be the area of availability of the payment service by electronic wallet); the bank B1 - and the accounts

- 13 agent banks - are located in the WAEMU area, in Senegal; the B2 banking establishment is located outside the UEMOA space (but could be located in this space), in France; platform P is located outside the UEMOA area (but could be located in this area), in the USA; the merchant M is located outside the UEMOA space (but could be located in this space), in France; client C is located in the UEMOA space in Senegal. Agents A1, A2, A3 are located in the UEMOA area in Senegal. Some of these agents may, however, be located outside the UEMOA area, in another regulatory area.

The operator O offers a payment service by electronic wallet to its customers. This is for example the operator Orange and its service "Orange Money" or the operator Vodafone / Safaricom and its service "M-PESA". Remember that an electronic wallet is a prepaid and rechargeable account opened with the operator. The subscription to this service is done in a conventional manner according to the terms specific to each operator. In particular, the customer has previously subscribed to this payment service by electronic wallet in a geographical area of affiliation specific to said customer.

In general, each mobile operator can offer an electronic wallet payment service in one or more geographic areas of availability. This geographic area of availability can cover the entire territory of a country (e.g. Kenya, Cameroon, India, ...), or a limited territory of that country, including certain departments, regions or provinces (e.g. West Bengal in India).

The customer having subscribed to a payment service by electronic wallet in a geographic area of availability, has a wallet, which wallet is associated with a unique number, or account number, which generally corresponds to the number of call associated with its mobile terminal TC.

The operator O has a management computer server SO which integrates in particular, as illustrated in FIG. 2, one or more processors or microprocessors 30, one or more memories 31, a network interface 32, which are mutually connected via a bus 35. One or more computer applications - or computer programs - are stored in the memory or memories 31 and whose instructions, when executed by the processor or processors 30 make it possible to carry out the functionalities described further on in the description. For the sake of clarity, it should be understood in the sense of the invention that "the operator does something" means "the operator's management computer server does something".

The network interface 32 is of the wired type such as an Ethernet link, or wireless such as a GSM, EDGE, 2G, 3G, 4G, Wifi or Bluetooth connection, allowing the operator O to connect to the client mobile terminal. TC of client C and at the mobile agent terminals TA1, TA2, TA3, via the telecommunication RT network with network technologies such as, but not limited to, GSM, EDGE, 2G, 3G, 4G, etc. The RT network is typically the mobile telephone network of the operator O with which the customer C and the agents A1, A2, A3 are affiliated. It can also be a USSD channel (for English Unstructured Supplementary Service Data) accessible from the mobile telephone network of operator O. Network interface 32 can also allow operator O to connect to platform P through a secure network R 'of the secure telecommunications network type (Internet, mobile telephony, etc.) or virtual private network (VPN for English Virtual Private Network) to secure the exchange of data between said operator and said platform.

Customer C is a natural person who has subscribed to an electronic wallet with the operator O (whether it is a customer account with or without subscription, with or without a prepaid account, ...). It is located in the geographic area of availability where the operator O offers its payment service by electronic wallet - in Senegal for example. Its TC mobile terminal is preferably in the form of a mobile phone or

- 15Smartphone like iPhone®, Samsung Galaxy®, or in the form of another electronic device, operating with an operating system like Windows, Mac, iOS, Android, etc. The mobile terminal TC is registered with the operator O with which the customer C is affiliated. It is associated with a unique mobile terminal number which is the call number (or MSISDN number for English Mobile Station Integrated Service Digital Network Number).

Referring to FIG. 4, the mobile terminal TC notably comprises one or more processors or microprocessors 10, one or more memories 11, a network interface 12, a graphic interface 13, a position determination module 14, which are mutually connected via a bus 15. One or more computer applications - or computer programs - are recorded in the memory or memories 11 and whose instructions, when executed by the processor or processors 10 make it possible to carry out the functionalities described further on in the description .

The memory or memories 11 must be considered as a storage device also suitable for storing data and / or data files. It can be native memory or add-on memory such as a Secure Digital (SD) card. The processor 10 and the memory 11 can be integrated into a SIM card (from the English Suscriber Identity Module), the latter being connected to the bus 15.

The network interface 12 is suitable for establishing communication with the operator O via the network RT, with the merchant server SM via the network R and with the platform P via the secure network R ’. The network interface 12 can for example comprise a GSM module providing network connectivity to the mobile terminal TC. In general, the network interface 12 has the function of managing the connections between the mobile terminal TC and the networks RT, R and R ’.

When connecting to the RT network, the mobile terminal TC is identified by the operator O by means of at least one user identifier. This user identifier is, in the context of the present invention, the call number. Such a user identifier is unique and also serves as an identifier for the mobile terminal TC. In other words, this identifier is also used to register the TC mobile terminal

- 16 with the operator O. The customer C is recognized by means of such an identifier as a priori user of the mobile terminal TC through the SIM card housed in the mobile terminal TC, regardless of the natural person actually using this mobile terminal and regardless of the mobile terminal in which the SIM card is housed.

The graphical interface 13 offers the client C the possibility of entering, selecting and / or entering data or instructions for the operator O, the merchant M and the platform P. It is for example in the form of a touch screen, screen connected to a keyboard, etc.

The position determination module 14 is adapted to generate geographic position data of the mobile terminal TC. This module is preferably a GPS type geolocation module or a module based on a triangulation technique for signals acquired by cell phone relay terminals.

The customer must install a computer application in his TC mobile terminal to implement all or part of the invention from said terminal. This computer application can be preinstalled on the TC terminal, for example by the operator O with which it is affiliated. Client C however has the option of searching for the computer application on an online store such as Google Play®, Itunes® or on a dedicated website, and then downloading it to his TC terminal. Information to download and install the computer application on the TC terminal can for example be retrieved using a QR code or an NFC tag. In any event, the computer application can be installed in any memory 11 of the terminal TC.

Agents A1, A2, A3 are natural or legal persons. They form the network of agents for operator O, and each has one or more points of sale providing services for electronic wallets. Being approved by the operator O, they notably have the right to buy electronic money from the operator and resell it to customers. They are distributed throughout the geographic area of availability where the operator O

- 17 offers its payment service by electronic wallet - in Senegal for example.

Each agent A1, A2, A3 has subscribed to an electronic purse with the operator O. Their mobile terminal TA1, TA2, TA3 is similar to the client mobile terminal TC described previously with reference to FIG. 4 and integrates one or more processors or microprocessors, one or more memories, a network interface, a graphical interface, a position determination module, which are mutually connected via a bus. Each agent mobile terminal TA1, TA2, TA3 is registered with the operator O and is associated with a unique mobile terminal number which is the call number.

The network interface of the agent mobile terminals TA1, TA2, TA3 is in particular suitable for establishing communication with the operator O via the network RT, and with the platform P via the secure network R ’.

When connected to the RT network, each agent mobile terminal TA1, TA2, TA3 is identified by the operator O by means of at least one user identifier which is, in the context of the present invention, the call number .

Each agent A1, A2, A3 must install a computer application in their mobile terminal TA1, TA2, TA3 to implement all or part of the invention from said terminal. This IT application can be preinstalled or downloaded from the SO server, from a dedicated website or from the P platform. In practice, the application is downloaded at the same time as the agent's registration with the platform P. The information for downloading and installing the computer application on the terminals TA1, TA2, TA3 can for example be retrieved using an OR code or an NFC tag.

Each agent A1, A2, A3 has a bank account (hereinafter referred to as the "agent bank account") opened with a B1 bank. Agents A1, A2, A3 can be affiliated with the same banking establishment B1 or with separate banking establishments. For the sake of brevity and clarity, the assumption used in the following description is that all agents A1, A2, A3 are affiliated with the same banking establishment B1. This

- establishment B1, as well as the agent bank accounts, are typically located in the availability zone of the payment service by electronic wallet offered by the operator O - in Senegal for example. They can however be located outside the availability area of the payment service by electronic wallet offered by the operator O.

For the purposes of the invention, the term “bank account” means: a conventional account for fiduciary currencies (current account, deposit account, checking account, etc.), a prepaid payment card, a cryptocurrency wallet or wallet-crypto - (Bitcoin, Ethereum, ...), or any other account adapted to credit and / or debit a real or virtual currency allowing to carry out a transaction.

Each agent A1, A2, A3 purchases banking units from bank B1. For example, each agent purchases 100,000 XOF (CFA Francs) in banking units. For example, 100,000 XOF corresponds to 100,000 banking units. Agents can physically go to an ATM at bank B1 and buy the bank units with cash (notes and / or coins). Agents can still purchase banking units from a cryptocurrency exchange web platform (coinify.com, coinbase.com, kraken.com, bitfinex.com, ...). The banking establishment B1 then credits the bank account of the agents of these banking units.

The merchant M can be a natural person or a legal person. The merchant M can in particular be a website offering goods and / or services for sale. In this case, the merchant website is accessible from the internet network R and its computer server SM can be located in any geographic area - in France for example. Merchant M holds a bank account (hereinafter referred to as the "merchant bank account") opened with a B2 banking establishment. This B2 establishment, as well as the merchant bank account, can be located in any geographic area - in France for example. B2 bank and merchant bank account are not necessarily located in the same

- 19 geographic area than the SM server, nor located in the availability zone of the payment service by electronic wallet offered by the operator O. The merchant bank account can be opened with the banking establishment B1.

In FIG. 5, the server SM comprises one or more processors or microprocessors 20, one or more memories 21, a network interface 22, which are mutually connected via a bus 25. One or more computer applications - or computer programs - are recorded in the memory (s) 21 and whose instructions, when they are executed by the processor (s) 20 make it possible to carry out the functionalities described further on in the description. For the sake of clarity, it should be understood in the sense of the invention that "the merchant does something" means "the merchant's computer server does something".

The network interface 22 allows the merchant M to connect to the mobile client terminal TC of the client C via the network R and to the platform P through the secure network R ’to secure the exchange of data between said merchant and said platform.

A computer application and / or a programming interface (API for Application Programing Interface) is installed in the SM server to implement all or part of the invention from said server. This computer application can be downloaded from an online store or from the P platform. In practice, the download of the application and / or the API is carried out at the same time as the merchant M registration with the P platform This computer application makes it possible in particular to offer payment by electronic wallet, in addition to conventional payment methods (by bank card, PayPal®, etc.). If necessary, this computer application allows the merchant M to communicate to the platform P, a statement of bank identity, or RIB (country of the banking establishment B2, SWIFT code, account number and / or IBAN number, .. .).

In the sense of the invention, the term "banking establishment" means any organization practicing banking operations and / or authorizing services allowing the payment and / or withdrawal and / or transfer of money or cryptocurrency (Bitcoin, Ethereum, ...). These include, for example, banks, credit unions, financial companies, payment institutions, microfinance institutions, cryptocurrency exchange web platform and / or cryptocurrency wallet supplier (Blockchain.info, Bitstamp. net, ...) to buy and / or sell and / or store and / or manage cryptocurrencies (Bitcoin, Ethereum, ...) and possibly fiat currencies. Banking establishments B1 and B2 can benefit from an authorization and be subject to particular supervision by supervisory authorities.

The IT platform P can consist of a physical server or, in certain cases, be made up of several separate computers which communicate and interact over a network to perform the functions described further on in the description.

Referring to FIG. 3, the platform P notably comprises one or more processors or microprocessors 50, one or more memories 51, a network interface 52, a database 53, which are mutually connected via a bus 55. One or more computer applications - or computer programs - are recorded in the memory or memories 51 and whose instructions, when they are executed by the processor or processors 50 make it possible to carry out the functionalities described further on in the description.

The network interface 52 is a wired or wireless communication interface suitable for establishing communication in particular with: the server SM, the mobile terminals TC, TA1, TA2, TA3, the banking establishment B1, and possibly the server S0. This communication is established via the secure network R ’so as to secure the exchange of data between the platform P and the aforementioned devices and / or entities.

The computer database 53 can be hosted directly in the platform P, or in another server or in a network of servers such as Cloud Computing, or in a computer. In the case where the database 53 is not located in the platform P, and to secure the exchange of data between said platform and said base, the connection between these two elements is preferably carried out through a private network virtual, a secure internet network, or a wired link.

Agent identification data A1, A2, A3 are recorded in the database 53. This identification data includes at least the call numbers of the agent mobile terminals TA1, TA2, TA3. These identification data are notably filled in by agents A1, A2, A3 at the time of their registration on the P platform. Each agent is therefore identified at least by the call number of their mobile terminal. To further identify agents A1, A2, A3, the identification data may also include at least one of the following data: agent's first and last name, date of birth, geolocation data. These geolocation data are regularly transmitted to the platform P by the position determination module integrated in the mobile agent terminal TA1, TA2, TA3.

The agents A1, A2, A3 being affiliated with the same operator O, the identification data are intrinsically associated with this operator. The database 53 can however register a multitude of agents which are not all affiliated with the same operator. In this case, the identification data also includes identification data of the operator to which the agent is affiliated.

As explained further in the description, the platform P establishes a connection with the banking establishment B1 so as to control the balance of the bank account of the agents A1, A2, A3. To establish this connection, the identification data preferably include a bank identity statement, or RIB, of each agent A1, A2, A3 (country of banking establishment B1, SWIFT code, account number and / or IBAN number , ...).

-22 The information can be filled in several ways. For example, these identification data can be entered by each agent A1, A2, A3 at the time of opening their bank account, for example from a dedicated interface accessible by the Internet, from the mobile terminals agents TA1, TA2 , TA3. The identification data are then transmitted by the banking establishment B1 to the platform P which registers them in the database B. The identification data can also be entered by each agent A1, A2, A3 at the time of subscription of an electronic purse with the operator O. The identification data are then transmitted by the operator O to the platform P which records them in the database B. The identification data can still be entered by each agent A1, A2, from a dedicated interface offered by the platform P and accessible by the secure network R ', from the mobile terminals agents TA1, TA2, TA3. The identification data are then directly recorded in database B.

The platform P can also assign a unique billing number to each agent A1, A2, A3. This billing number, also considered as identification data recorded in the database 53, can for example be in the form of a numeric or alpha-numeric code automatically generated by the platform P, the banking establishment B1 or the operator O. This billing number is known to the banking establishment B1 and associated with the corresponding agent. Thus, the billing numbers and / or the call numbers of the agent mobile terminals allow the banking establishment B1 to identify the agents A1, A2, A3.

A global architecture of the system having now been described, the various stages allowing the implementation of the process which is the subject of the invention, for a conventional payment, will be explained in detail.

First embodiment - Figure 6

FIG. 6 illustrates the sequence of different steps implemented in the process which is the subject of the invention.

Step 1: customer C wishes to purchase a good or service offered by a French merchant M. The purchase amount is, for example, € 75 (Euros) and corresponds to 50,000 banking units. The customer C connects to the merchant site M, from his mobile terminal TC, through the network R. He chooses to settle his payment by electronic wallet and gives his call number on an interface dedicated to this payment method. He can also enter the name of his mobile operator, in this case operator O. The customer can then be asked to select a payment validation key to validate his payment, this key being accessible from the aforementioned interface .

Step 2: the merchant site M automatically generates and sends a payment signal to the P platform. The actuation of the payment validation key is the trigger for the generation and transmission of the payment signal. This payment signal comprises in particular the call number of the client mobile terminal TC and, where appropriate: the identification data of the operator O, and a datum identifying the geographic area of availability of the payment service by electronic wallet to which the customer C. subscribes. This data identifying the geographic area of availability can be considered by default as the geographic area where the client C is physically located and more particularly the client client mobile terminal TC. This data is advantageously a geolocation data generated and automatically transmitted to the merchant site M in step 1, by the position determination module 14 of the client mobile terminal TC.

-24Event 3: the reception of the payment signal leads to the execution of a logical computer process suitable for assigning at least one selection factor to each of the agents A1, A2, A3 recorded in the database 53 and for selecting an agent among this plurality of agents taking into account this selection factor. The reception of the payment signal by the P platform is the trigger for this logical IT selection process.

The selection factors can be of a different nature and make it possible to ensure that the transaction can be carried out quickly, with maximum security.

The platform P can first of all select the agents affiliated with the same operator O as the customer C. For this, the platform P will interrogate the database 53 to compare the identification data of the operator contained in the payment signal and the operator identification data associated with each agent. The platform P will then only select the agents affiliated with the same operator O as the client C.

The platform can check the connectivity of the selected agents. Only agents whose mobile terminal is actually connected to platform P will be retained. For this, the agent mobile terminals TA1, TA2, TA3 can, for example, generate and automatically and periodically send a connection signal to the platform P (“I am connected”). As long as the platform P receives its connection signals, it deduces therefrom that the agent mobile terminals are connected. The platform P can also interrogate the mobile agent terminals TA1, TA2, TA3 by transmitting to them an electronic presence request (“are you connected”). Only agents whose mobile terminals have responded positively to these requests will be retained by the P platform.

The platform P can also select the agents located in the same geographic area (for example the same city) as that where the client C is located, and more particularly the client client mobile terminal TC. For this, the platform P will compare the geolocation data of the client mobile terminal TC contained in the payment signal with the geolocation data of the agent mobile terminals generated by the module.

-25determination of position of each of said agent mobile terminals. This geo-location data of the agent mobile terminals can for example be included in the connection signal or in the response to the presence request mentioned in the previous paragraph, or in a response signal to a specific electronic request transmitted by the platform P agent mobile terminals

To further filter the agents, the platform P can also select the agents located in the same geographical area of availability of the payment service by electronic wallet offered by the operator O and to which the customer C has subscribed. The module for determining position allows you to precisely locate each agent mobile terminal. This geolocation data can for example be included in the connection signal or in the response to the presence request mentioned above, or in a response signal to a specific electronic request transmitted by the platform P to the agent mobile terminals. The platform P will compare the location data transmitted by the agent mobile terminals TA1, TA2, TA3 and compare them with the geo-location data transmitted by the client mobile terminal TC. The platform P will then only retain the agent mobile terminals located in the same geographic area of availability as the client mobile terminal TC.

Another selection factor may be the percentage (or level) of charge of the battery integrated in each of the agent mobile terminals selected. Knowing this charge percentage ensures the agent mobile terminal will not turn off during the transaction and payment process. For example, only mobile agent terminals whose charge percentage is at least 15% will be used. Priority can be given to the agent mobile terminals which are in charge, i.e. connected to a current source at the time of the selection process. Indeed, a terminal connected to a power source will be less likely to turn off during the process. At the same charge percentage, the agent mobile terminals in charge at the time of selection will be retained or prioritized. These informations

-26the percentage of charge, and possibly connection to a current source, can for example be included in the connection signal or in the response to the presence request mentioned previously, or in a response signal to a specific electronic request transmitted by the P platform at the agent mobile terminals.

Yet another selection factor may be the available level of the processor or CPU (for Central Processing Unit) integrated in each of the mobile agent terminals selected and in particular the available percentage of random access memory (RAM). Knowing this level of CPU makes it possible to ensure that the transaction and payment process will be executed quickly (a few milliseconds). For example, only mobile agent terminals whose percentage of RAM memory is at least equal to 10% will be used. This information can for example be included in the connection signal or in the response to the presence request mentioned above, or in a response signal to a specific electronic query request generated and transmitted by the platform P to the affiliated agent mobile terminals. to operator O.

An additional selection factor may be the nature of the connection between the platform P and the agent mobile terminals TA1, TA2, TA3. The connection can for example be of the GPRS (for General Packet Radio Service), EDGE (for Enhance Data Rate for GSM), 2G, 3G, 3G +, 4G, etc. type. The connection with the highest theoretical speed will be preferred. For example, agent mobile terminals with a 4G connection will be given priority over those with a GPRS, EDGE, 2G, 3G or 3G + connection. Knowing the nature of the connection makes it possible to ensure that the reception and / or transmission of signals or data from the agent mobile terminal will be carried out quickly. This information as to the nature of the connection can for example be included in the connection signal or in the response to the presence request mentioned above, or in a response signal to a specific electronic query request generated and

-27 transmitted by platform P to agent mobile terminals affiliated with operator O.

An additional selection factor may be the quality of the connection between the platform P and the agent mobile terminals. The platform P can in particular define the geographic areas where the connections to the RT network and / or to the secure network R are the worst. For example, on a panel of 100 mobile agent terminals distributed in a city, the platform can observe areas where connectivity is good (for example in the city center) and areas where connectivity is poor (for example on the outskirts of the downtown). The position determination module makes it possible to precisely locate each agent mobile terminal. If agent mobile terminals are located in or near an area of low connectivity, they will be priority discarded (i.e. not retained) by the P platform. This information relating to the quality of the connection can for example be included in the connection signal or in the response to the presence request mentioned above, or in a response signal to a specific electronic query request generated and transmitted by the platform P to the agent mobile terminals affiliated with the operator O .

An additional selection factor may be the physical movement of the agents, and more specifically of the agent mobile terminals. The position determination module makes it possible to precisely locate each agent mobile terminal, but also to see whether it is moving or not. If an agent mobile terminal is fixed, that is to say that it does not move, the probability of losing the connection on the RT network and / or the secure network R is low. A fixed agent mobile terminal is therefore selected in priority by the P platform. If mobile terminals are in motion, i.e. they move, those whose movement is slow (for example if the agents move on foot) will be prioritized over those whose movement is rapid (for example if the agents move by car), the risks of disconnection being potentially higher. This information on the displacement state can for example be included in the connection signal or in the response to the presence request.

-28 evoked previously, or in a response signal to a specific electronic query request generated and transmitted by the P platform to the agent mobile terminals affiliated with the operator O.

Yet another factor of selection is the balance of the agent bank accounts, that is to say the number of banking units that the agents have in their bank account opened with the bank establishment B1. Indeed, the agent who will be retained must have enough banking units on his account to settle the payment. Platform P can for example only retain agents whose number of banking units available on the bank account is greater than or equal to the number of banking units corresponding to the amount of the purchase. For this, and in accordance with the first embodiment, the platform P automatically generates and sends an electronic query request to the banking establishment B1 (step 3 ’). This query contains the number of banking units corresponding to the amount of the purchase. This number of banking units is automatically calculated by the P platform, taking into account in particular the exchange rate between the currency offered by the merchant M (ex: Euros) and the currency in which payments are made by customer electronic purses and agents (ex: CFA Francs), and possibly the exchange fees applied by the B1 banking establishment. The exchange rate applied can be retrieved in real time by the P platform on the financial markets or retrieved from the banking establishment B1. Upon receipt of the query, bank B1 interrogates all agent bank accounts (3 ”event) to determine the number of bank units available on each of these bank accounts. The banking establishment B1 then sends back to the platform P (step 3 ”) identification data of the agents whose bank account comprises a number of banking units greater than or equal to the number of banking units transmitted in the request for query. This agent identification data can be the call numbers of the agent mobile terminals and / or the billing numbers associated with the agents.

These selection factors can have the same value or different values so as to be hierarchical. For example, the number of banking units that agents have in their bank account may be greater than the processor or CPU level available in agent mobile terminals. Likewise, the percentage of charge of the battery integrated in the agent mobile terminals may be a less decisive factor than the nature of the connection between the platform P and said agent mobile terminals.

Platform P can balance the selection of agents to avoid the same agent being systematically selected. For example, when an agent has been selected by platform P for a transaction, said platform may decide not to select the same agent for the next transaction.

At the end of the logical selection computer process, the platform P selects an agent from among this plurality of agents by taking into account at least one, and preferably all the aforementioned selection factors. In the following description, agent A1 is chosen by platform P.

Step 4: the platform P automatically generates and transmits payment instructions to the client mobile terminal TC. Since the call number of the client mobile terminal TC is included in the payment signal, the platform P can easily transmit the payment instructions by a message of the SMS type (for Short Message Service). The selection of agent A1 from the plurality of agents A1, A2, A3 is the trigger for the payment instructions. These instructions include the call number of the agent mobile terminal TA1. They can also advantageously integrate a USSD code allowing access to the SO management server of the operator O. These instructions are displayed on the interface of the client mobile terminal TC and can for example be in the following form:

# Operator USSD_code * recipient_number * transaction_amount * secret_code.

The operator_USSD_code allows access to the operator O's SO management server. The recipient_number corresponds to the call number of the agent mobile terminal TA1. The amount_transaction corresponds to the amount of the purchase in

-30 local currency and / or in banking units. In the above example, this amount is € 75 or 50,000 banking units. The secret_code corresponds to a secret code of the customer C. This secret code is chosen by the customer C, for example when he subscribes to the payment service by electronic wallet. It can be a 4-digit code corresponding to a personal identification number, such as the PIN code (from the English Personal Identification Number) of his mobile terminal 1, or on the contrary a code different from the PIN code.

The instructions can also be transmitted to the merchant M who displays them on a graphical interface visible to the customer C. The latter then enters these instructions on his mobile terminal TC.

Event 5: client C initiates the transaction by executing the payment instructions from his mobile terminal TC.

Step 6: the executed payment instructions are transmitted to the server SO of the operator O, which instructions are associated with the call number of the client mobile terminal TC. This call number is encapsulated with the payment instructions, this encapsulation being automatically carried out invisibly for customer C.

Event 7: the SO server verifies that the customer's electronic purse has sufficient funds to cover the payment amount. If this is the case, the operator O debits the customer's electronic wallet for the amount of the payment (50,000 banking units, i.e. 50,000 XOF) to which a commission from operator O can be added (e.g. between 1% and 3 % of payment amount) and credits Agent A1's electronic wallet with the payment amount. Failing this, the operator O warns the customer C who in turn warns the platform P who in turn warns the merchant M.

Step 8: the server SO generates and transmits, to the agent mobile terminal TA1 and to the client mobile terminal C, a payment confirmation signal (or invoice

-31 electronic). This signal is preferably in the form of an SMS message (for English Short Message Service). This signal notably includes a transaction number which preferably consists of a single alphanumeric sequence, for example “12AbC34d”. The payment confirmation signal can also integrate the payment amount as well as the call number of the TC client mobile terminal.

Step 9: the agent mobile terminal TA1 transmits the payment confirmation signal to the platform P, or at least the transaction number. The receipt of the payment confirmation signal is the trigger for this transmission. This transmission can be automatic or following a voluntary action by the agent A1, for example an activation of a dedicated key present on the interface of the mobile terminal agent TA1.

Step 10: the client mobile terminal TC transmits to the merchant M at least the transaction number, which instantly retransmits it to the platform P. The reception of the payment confirmation signal is the trigger for this transmission. This transmission can be automatic or following a voluntary action by the client C, for example an activation of a dedicated key present on the interface of the client mobile terminal TC.

Event 11: the platform P verifies that the transaction number transmitted by the agent mobile terminal TA1 corresponds to the transaction number transmitted by the client mobile terminal TC. This verification is done by comparing the two transaction numbers.

Step 12: if the verification carried out at event 11 is positive (that is to say that the two transaction numbers are identical), the platform P generates and transmits to the merchant M, a payment confirmation signal. Merchant M can then process the purchase in a conventional manner and deliver the good or service to customer C.

Step 32: the merchant M can transmit to the platform P, bank data making it possible to make a transfer of funds from account to account. This bank data preferably consists of a bank identity statement, or RIB (country of banking establishment B2, SWIFT code, account number and / or IBAN number, ...). The receipt of the payment confirmation signal is the trigger for the transmission of bank data. In an alternative embodiment, these bank data are transmitted in step 2, with the payment signal. According to yet another alternative embodiment, the merchant's bank data M are transmitted beforehand by the server SM to the platform P, and recorded in the database 53, even before a client connects to the merchant site.

Step 14: if the verification carried out at event 11 is positive, the platform P generates and transmits to the bank establishment B1, an instruction to transfer all or part of the payment amount, from the bank account of agent A1 to the working bank account. This instruction includes in particular: identification data of agent A1, the amount to be transferred to Merchant M and the bank details of said merchant. The agent A1 identification data can be the call number of the agent mobile terminal TA1, or preferably the billing number associated with said agent.

Event 15: the bank establishment B1 debits the bank account of agent A1 for all or part of the payment amount (50,000 banking units). The receipt of the transfer instruction is the trigger for debiting the bank account of agent A1. A commission can be paid to agent A1 (for example: between 0.5% and 1% of the payment amount), in a bank account separate from said agent opened with bank B1. This commission can also materialize by the fact that the amount debited from the bank account of agent A1 corresponds to the amount of the payment affected by a coefficient of commission k _ag ent, where 0 <k _agen t ^ 1.

Step 33: the bank establishment B1 transfers all or part of the payment amount to the merchant bank account opened with the bank establishment B2. Unlike the operator O, the banking establishment B1 is in fact authorized to carry out capital movements (transfer / reception of money) in all regulated geographic areas, and in particular outside the UEMOA area. Bank B1 can charge a commission (for example: between 0.5% and 2% of the payment amount). Also, the amount transferred to the merchant's bank account can correspond to the amount of the payment affected by a commission coefficient k, where 0 <k <1.

Event 17: the B2 banking establishment credits the merchant bank account with all or part of the amount transferred in step 16. The B2 banking establishment can charge a commission (for example: between 0.5% and 2% of the transferred amount ).

In the process which has just been described, it can be seen that no connection is necessary between the operator O and the platform P, this process being essentially based on the agents. These latter by-pass the connection between the operator O and the platform P. This has an advantage because some mobile operators cannot, or do not wish, to develop a specific application programming interface (or API for Application Programming Interface) for the implementation of the process. The latter can therefore be perfectly implemented, without any specific action from the operator O.

Second embodiment - Figures 7 and 8

In this embodiment, the number of electronic requests and / or signals passing between the platform P and the banking establishment B1 is reduced.

-34 For this, virtual bank accounts are created in platform P. As soon as an agent opens a bank account with establishment B1, platform P is informed and creates a virtual bank account for him that said platform will manage. This agent virtual bank account is a mirror of the agent real bank account opened with establishment B1. In other words, all financial transaction data that affects the virtual bank account also affects the agent real bank account. And vice versa.

The hypothesis adopted here is as follows:

- Agent A1 has two real bank accounts opened with banking establishment B1: a "units" account on which the 200 bank units he has purchased are credited and a "commission" account on which commissions are paid. that he touches for each transaction for which he is selected. A virtual unit account CUV _ag ent and a virtual commission account CCVagent are opened in the platform P mirroring respectively the real unit account and the real commission account (FIG. 8a).

- The entity (natural or legal person) managing platform P is the holder of a real bank account opened with bank B1 on which commissions are paid which it receives for each transaction. A CVpiateforme virtual account (Figure 8a) is opened in the P platform mirroring this real account.

- Bank B1 has its own bank account into which commissions are paid which it receives for each transaction. A CVbanque virtual account (Figure 8a) is opened in the P platform mirroring this real account.

FIG. 7 illustrates the sequence of different steps implemented in this second embodiment. The stages and events which are identical to those of the first mode (FIG. 6), keep the same reference and have not been described again.

-35The P platform managing agents' virtual unit accounts, it is able to know the number of banking units agents have on their real units account. In fact step 3 ’, event 3 ″ and step 3’ ”described above for the first embodiment are no longer necessary. This agent selection factor can be determined directly in platform P, without having to interrogate the banking establishment B1.

Event 110: if the verification carried out in event 11 is positive, platform P updates all of the virtual accounts:

- debits agent A1's virtual unit account for the payment amount (debit of 100 bank units) (Figure 8b),

- credits the virtual board CCV _ag ent of the agent a commission A1 for example corresponding to 1% of the payment amount (Figure 8b)

- credits their own CVpiateforme virtual account with a commission corresponding, for example, to 1% of the payment amount (Figure 8b),

- credits the CVbanque virtual account of banking establishment B1 with a commission corresponding, for example, to 1% of the payment amount (Figure 8b).

Step 140: the platform P generates and transmits to the banking establishment B1, instructions for updating all of the real accounts. These instructions contain in particular data relating to the new balance of the various real accounts. These instructions also include an instruction to transfer all or part of the payment amount, from agent A1's actual unit account to the working bank account.

Event 150: the banking establishment B1 executes the instructions received by the platform P:

- Agent A1's real unit account is debited from the payment amount,

- Agent A1's actual commission account is credited with the amount of his commission,

- the platform's real account is credited with its commission,

- the real account of bank B1 is credited with its commission.

Real bank accounts therefore synchronize with virtual bank accounts in response to instructions B1 receiving instructions.

In an alternative embodiment, the updating of all the virtual accounts by the platform P (event 110) automatically synchronizes, and in real time, the updating of all the real accounts by the banking establishment B1 . In this case, the instructions transmitted by the platform P to the banking establishment B1 during step 140 contain only one instruction to transfer all or part of the payment amount, from the real unit account of the agent A1 to the working bank account. Event 150 is no longer required, which reduces the IT resources required on the server of bank B1.

The P platform acts as a trusted third party, insofar as it is it that verifies and / or validates the transactions and determines the amounts to be credited or debited from the various accounts.

Third embodiment - Figures 9 and 10

In this embodiment, the payments between the agents and the merchants are based on an exchange of cryptocurrencies (Bitcoin, Ethereum, ...). For this, agents and merchants each have an electronic cryptocurrency wallet (hereinafter called "wallet-crypto").

In the architecture illustrated in Figure 9, and for the sake of brevity, only agent A1 is shown and exemplified. However, each other agent also has a wallet-crypto. As described above, the platform P can

-In particular, communicate with the merchant server SM and the agent mobile terminal TA1 through the secure network R ’.

As explained above, when the agent A1 registers with the platform P, he is required to download a computer application in his mobile terminal TA1. This computer application notably allows him to connect directly to a FWC wallet-crypto provider, for example Blockchain.info, to open a wallet-crypto agent WC _ag ent. This FWC supplier can be chosen by agent A1, or preferably be preselected by the manager of platform P and be proposed to agent A1. In this case, during the agent A1 registration process on the P platform, a step consists in opening the WCagent wallet-crypto agent. The connection between the mobile terminal agent TA1 and the supplier FWC is carried out through a network R ”, which is preferably a secure network of the secure telecommunication network type (Internet, mobile telephony, etc.) or virtual private network ( VPN for English Virtual Private Network). Likewise, when the merchant M registers with platform P, a merchant wallet-crypto WCmarchand is open to him from the supplier FWC. The contact details and access data (password and / or identifier and / or encryption key) of the WCagent, WCmarchand wallet-crypto are communicated to the P platform, either directly by the FWC supplier with which the said platform is connected, either by agent A1 and merchant M, after their respective registration.

After opening their WCagent crypto wallet, agent A1 purchases cryptocurrency from an ECM cryptocurrency exchange web platform, for example coinify.com. To do this, an account is opened with the ECM exchange platform, which account is associated with the WCagent wallet-crypto. This account can be opened directly by agent A1 or by platform P mandated by said agent. The A1 agent can then buy cryptocurrency, paying by credit card CB _ag ent or other accepted means of payment

-38 by the ECM exchange platform. The ECM exchange platform can then connect to the FWC supplier to credit the wallet-crypto WC _ag ent with the number of cryptocurrencies purchased.

Advantageously, during the process of registering the agent A1 on the platform P, one step may consist in registering the agent with the ECM exchange platform and another step may consist in the purchase of cryptocurrency. . Since platform P knows the coordinates and access data of the WCagent wallet-crypto, said platform can know the cryptocurrency balance available to agent A1. Also, one of the agents' selection factors may be the amount of cryptocurrency available on the WCagent wallet-crypto (step 3 above).

The FWC provider and the ECM exchange platform can possibly be the same and only entity. In other words, the ECM trading platform can offer services for opening and managing cryptocurrency wallets.

FIG. 10 illustrates the sequence of different steps implemented in this third embodiment. The stages and events which are identical to those of the first two modes (FIGS. 6 and 7), keep the same reference and have not been described again.

Event 1100: if the verification carried out at event 11 is positive (that is to say that the two transaction numbers are identical), platform P converts the amount of the purchase into cryptocurrency with the rate of changes in force on the date and time of the end of the event 11. For example, if the purchase amount is 75 € (Euros) and the agent A1 has Bitcoin on his wallet -crypto WCagent, then the P platform will be able to evaluate the amount of the purchase at 0.04 Bitcoin.

-39Step 1200: platform P generates and transmits to the FWC supplier, an instruction to transfer all or part of the payment amount converted into cryptocurrency, from the wallet-crypto WC _ag ent of agent A1 to the walletcrypto WCmarchand of the merchant M. This instruction includes in particular: the amount to be transferred in cryptocurrency, the coordinates and access data of the WCagent wallet-crypto, the coordinates of the WCmarchand wallet-crypto. A commission can be paid to agent A1 (for example: between 0.5% and 1% of the payment amount). This commission can materialize by the fact that the amount to be transferred in cryptocurrency calculated at event 1100, corresponds to the amount of the payment affected by a commission coefficient k _ag ent, where 0 <kagent ^ 1

Event 1300: the FWC provider debits the WCagent crypto wallet for all or part of the payment amount in cryptocurrency (0.04 Bitcoin) and credits the WCmarchand wallet-crypto with the same amount.

Step 1400: after having executed the instructions received from platform P, the supplier FWC generates and transmits to the platform P, a payment confirmation signal. In an alternative embodiment, the platform P can “listen” to the WCmarchand crypto wallet to verify that the transfer of cryptocurrency has been carried out. This is made possible by the fact that at least the coordinates of the WCmarchand wallet-crypto have been previously transmitted to the P platform.

Step 1500: the platform P generates and transmits to the merchant M, a payment confirmation signal. Merchant M can then process the purchase in a conventional manner and deliver the good or service to customer C.

The merchant M can decide to keep his cryptocurrency credited on his WCmarchand wallet-crypto. It can also instruct platform P to systematically resell this cryptocurrency in a fiat currency (for example in euros) and to credit the amount to an account

- 40 banker whose bank data will have been previously communicated to said platform. This type of instruction and the communication of this bank data are for example informed when registering merchant M with platform P.

The arrangement of the various elements and / or means and / or stages of the invention, in the embodiments described above, should not be understood as requiring such an arrangement in all implementations. In any event, it will be understood that various modifications can be made to these elements and / or means and / or stages, without departing from the spirit and scope of the invention.

Claims (15)

claims 1. Method for managing the payment of a good or service offered by a “walking” user (M) having a “walking” bank account opened with a banking establishment (B2), the payment being made by means of an electronic “customer” wallet of a “customer” user (C) from a mobile terminal (TC) of the “customer” user, characterized in that said method comprises steps consisting in: - record, in a computer platform (P), identification data of a plurality of "agent" users (A1, A2, A3), each "agent" user having: o of an “agent” electronic wallet, o of an “agent” mobile terminal (TA1, TA2, TA3), the telephone number of which is recorded in the platform (P), o of a bank account “ agent ”opened with a banking establishment (B1), - transmit a payment signal to the IT platform (P), - the reception of the payment signal leads to the execution of a logical IT process adapted to assign at least one selection factor to each of the “agent” users (A1, A2, A3) and select an “agent” user (A1) among the plurality of “agent” users (A1, A2, A3) taking this selection factor into account, - execute payment instructions including the telephone number of the “agent” mobile terminal (TA1) of the selected “agent” user (A1), from the “customer” mobile terminal (TC), so as to transfer the amount payment, from the “customer” electronic wallet to the “agent” electronic wallet of said “agent” user (A1), - execute a logical IT process leading to the generation of an instruction to transfer all or part of the payment amount, from the -42 "agent" bank account of the selected "agent" user (A1), to the "working" bank account. 2. Method according to claim 1, comprising a step consisting in assigning to each of the “agent” users (A1, A2, A3), at least one of the selection factors from the following list: - mobile operator (O) with which the user "customer" (C) has subscribed to the payment service by electronic wallet, - geographic area where the “client” (TC) mobile terminal is located; - effective connection, through a telecommunications network (R ’), between the“ agent ”mobile terminals (TA1, TA2, TA3) and the IT platform (P); - geographic area of availability of the electronic wallet payment service offered by a mobile operator (O) and to which the user "customer" (C) has subscribed; - percentage, or level, of charge of a battery integrated in each of the "agent" mobile terminals (TA1, TA2, TA3); - available level of a processor or CPU integrated in each of the "agent" mobile terminals (TA1, TA2, TA3) and in particular the available percentage of RAM; - nature of the connection, through a telecommunications network (R ’), between the IT platform (P) and the“ agent ”mobile terminals (TA1, TA2, TA3); - quality of the connection, through a telecommunications network (R ’), between the IT platform (P) and the“ agent ”mobile terminals (TA1, TA2, TA3); - physical movement of “agent” mobile terminals (TA1, TA2, TA3); "agent" bank account balance. 3. Method according to one of the preceding claims, in which all or part of the selection factors are determined as a function of information transmitted to the IT platform (P) by "agent" mobile terminals (TA1, TA2, TA3). 4. Method according to claim 3, in which the transmission of the information is carried out in response to an electronic query request generated and transmitted by the IT platform (P) to the "agent" mobile terminals (TA1, TA2, TA3). 5. Method according to one of the preceding claims, further comprising steps consisting in: - transmit a payment confirmation signal to the “customer” mobile terminal (TC) and transmit a payment confirmation signal to the “agent” mobile terminal (TA1) of the selected “agent” user (A1), which signals each include a unique transaction number, - transmit to the IT platform (P), from the “agent” mobile terminal (TA1), the unique transaction number received by said “agent” mobile terminal, - transmit to the IT platform (P), the unique transaction number received by the "customer" mobile terminal, - compare, in the IT platform (P), the transaction number received by the "agent" mobile terminal (TA1) and the transaction number received by the "customer" mobile terminal (TC), - if the transaction numbers match, generate from the IT platform (P), the instruction to transfer all or part of the payment amount, from the "agent" bank account to the "working" bank account, and transmit this instruction to the bank (B1) with which the "agent" bank account is opened, - transfer all or part of the payment amount, from the "agent" bank account to the "merchant" bank account. 6. Method according to one of the preceding claims, comprising a step consisting in opening, in the computer platform (P), a virtual “agent” bank account which is a mirror of the “agent” bank account actually opened with the establishment. bank (B1), so that financial transaction data affecting said virtual bank account also affects the real bank account, and vice versa. 7. Method according to claim 6, consisting in establishing a connection between the computer platform (P) and the banking establishment (B1) with which the real bank account "agent" is open, so that the virtual bank account "agent" and the real "agent" bank account synchronize automatically. 8. Method according to claim 7, in which the real “agent” bank account is synchronized with the virtual “agent” bank account, in response to the reception of instructions transmitted by the IT platform (P) to the banking establishment ( B1). 9. System for managing the payment of a good or service offered by a “walking” user (M) having a “walking” bank account opened with a banking establishment (B2), the payment being made by means of an electronic “customer” wallet of a “customer” user (C) from a mobile terminal (TC) of the “customer” user, characterized in that said system comprises: - an IT platform (P) in which identification data of a plurality of "agent" users (A1, A2, A3) are recorded, each "agent" user having: o an "agent" electronic wallet, o an "agent" mobile terminal (TA1, TA2, TA3), the call number of which is recorded in the platform (P), -45o of an "agent" bank account opened with a banking establishment (B1), - the computer platform (P) comprises at least one processor (50) and at least one memory (51) in which at least one computer application is recorded, the instructions of which, when executed by said allow: o assign at least one selection factor to each of the “agent” users (A1, A2, A3), o select an “agent” user (A1) from the plurality of “agent” users (A1, A2, A3) by taking this selection factor into account, o generate payment instructions including the telephone number of the “agent” mobile terminal (TA1) of the selected “agent” user (A1), - the “customer” mobile terminal (TC) is adapted to execute the payment instructions so that the payment amount is transferred from the “customer” electronic wallet to the “agent” electronic wallet of the selected “agent” user (A1), - the IT platform (P) is adapted to generate an instruction to transfer all or part of the payment amount, from the "agent" bank account of the selected "agent" user (A1), to the "working" bank account. 10. The system of claim 9, wherein the “working” bank account and the “agent” bank account are cryptocurrency wallets opened with a cryptocurrency exchange (ECM) web platform or supplier of cryptocurrency wallets (FWC). 11. IT platform (P) adapted to manage the payment of a good or service offered by a “walking” user (M) having a “walking” bank account opened with a banking establishment (B2), payment being produced by means of an electronic “customer” wallet of a “customer” user (C) from a mobile terminal (TC) of the “customer” user, characterized in that said platform comprises: - a database (53) in which identification data of a plurality of "agent" users (A1, A2, A3) are recorded, each "agent" user having: o of an “agent” electronic wallet, o of an “agent” mobile terminal (TA1, TA2, TA3), the telephone number of which is recorded in the platform (P), o of a bank account “ agent ”opened with a banking establishment (B1), - at least one processor (50) and at least one memory (51) in which at least one computer application is recorded, the instructions of which, when executed by said processor, make it possible to: o assign at least one selection factor to each of the “agent” users (A1, A2, A3), o select an “agent” user (A1) from the plurality of “agent” users (A1, A2, A3) by taking into account this selection factor, o generate payment instructions including the telephone number of the “agent” mobile terminal (TA1) of the selected “agent” user, which instructions are adapted to be executed by the mobile terminal “ client ”(TC) so that the payment amount is transferred from the“ client ”electronic purse to the“ agent ”electronic purse of the selected“ agent ”user (A1), o generate an instruction to transfer all or part of the payment amount, from the “agent” bank account of the selected “agent” user (A1), to the “working” bank account. 12. Mobile terminal comprising at least one processor and at least one memory in which at least one computer application is recorded, characterized in that the computer application comprises instructions which, when executed by said processor, make it possible to bring into 5 implements the method according to claim 1. 13. The mobile terminal as claimed in claim 12, in which the computer application comprises instructions which, when executed by the processor, make it possible to transfer adapted information to determine 10 all or part of the selection factors for “agent” users. 14. Computer server comprising at least one processor and at least one memory in which at least one computer application is recorded, characterized in that the computer application comprises 15 instructions which, when executed by said processor, make it possible to implement the method according to claim 1.