HUP0600674A2 - Electronic method of financial transactions - Google Patents

Abstract

The method involves transmitting ordering data to a chosen distributor or service provider, through a communication device. The payment is completed through the customer's bank according to invoice data received from the distributor, when the payment between the customer and the distributor is performed.

Description

700961/MK PUBLICATION P 06 Ο Ο 6 7 4

COPY

Procedure for conducting payment transactions electronically

The invention relates to a method for conducting payment transactions electronically.

In traditional shopping, the buyer selects a good or service, which in a simpler case can be received immediately at the place of purchase against payment of the consideration. In a more complicated case (e.g. if the good is not in stock), the buyer first orders the good (possibly by paying an advance) and pays the full consideration for the good or service upon receipt of the good or service (home delivery). This process is illustrated in Figure 1.

If the buyer keeps the money needed for payment in a bank, he can also use a bank transfer for payment. If the buyer receives a good or service from the supplier, he also has the option of, for example, giving his bank an ad hoc transfer order based on the supplier's account, which will transfer the money to the supplier based on this. However, it is safer for the supplier if, after the order, he first sends an invoice to the buyer and hands over the good or service when the buyer's money has already arrived in the form of a bank transfer. The individual steps of this process are shown in Figure 2. This solution is too inconvenient for the buyer, since all the parameters required for the purchase (price, supplier account number, etc.) must be provided to the buyer in order to complete the purchase process. This process is not very user-friendly, especially not in a mobile commerce environment, where the buyer typically has, for example, a mobile phone available to complete the process. This is especially true if the Customer does not want to make occasional, but rather regular purchases.

In the case of continuous provision of a service (e.g. water, gas, electricity, telephone, cable TV) or regular delivery of a good (newspaper, magazine), the customer can usually pay by cash payment, direct transfer to the supplier's account, or by bank transfer order. The main steps of a regular bank transfer (group collection (or Direct Debit)) can be followed according to Figure 3. The supplier delivers goods or services to the buyer (regularly), the monetary value of which is settled by the buyer with a group collection order. To do this, the buyer concludes a contract with the bank, in which he instructs the bank to automatically satisfy the payment claims (Payment Requests) from the specified suppliers (Payment Requests) from his bank account without his separate consent. At the same time, he notifies the supplier(s) to enforce their future claims through the bank, in consultation with the bank. This procedure is much more convenient for the buyer for making recurring, e.g. monthly, regular purchases. The disadvantage of the method is that it requires a one-time preliminary contract and the buyer has little or no control over the payments (transfers). These are significant barriers to the mass spread of the service, since the process is not only not enough spontaneous, but requires too much trust from the Buyer towards the Supplier.

An improved version of the payment process has recently appeared on the market, where the buyer has the option of not automatically fulfilling the payment requests received by the bank, but only fulfilling them after the buyer's individual approval. In one possible design, the buyer receives, for example, an SMS from his bank about the amount and issuer of the collection invoice. The bank only completes the collection with the buyer's approval, which can be, for example, some predefined response SMS sent by the buyer. (This is e.g. the OTP direct collection control) Although the buyer's control is already partially implemented in the above solution, the buyer still does not know many details.

I customer from the total amount of the bill regarding "why the bill was so high, since these details do not fit in an SMS. On the other hand, the contractual preparation of the process is still necessary here, which leaves the high barrier-to-entry for the service unchanged.

In the first two of the processes presented in the Introduction, the transaction is initiated directly by the Buyer. In contrast, in the third variant, the transaction is initiated by the Supplier itself and takes place only between the Supplier and the Bank, excluding the Buyer. For the continuation of modern electronic commerce, the combination of the processes according to the second and third variants (Figures 2 and 3) can be a starting point. However, these processes need significant additions to be suitable for supporting widely applicable Internet- or mobile-based electronic commerce (purchases).

The basic customer requirements for e-commerce applications can be summarized as follows:

(1) The process should be such that it allows for maximum spontaneity, i.e. the Buyer should require as little preparation (registration) as possible in the purchase process. It should preferably not require a separate contract, a visit to a customer service office, or a lengthy approval process. Ideally, when the Buyer decides to purchase a given product, he should be able to spontaneously conduct the purchase transaction on the spot (in front of his home PC or anywhere with his mobile phone in hand) using his previous contracts with the bank.

(2) The purchase process should be as simple as possible. It should not require more effort or longer activity for the Buyer than a cash payment. The Supplier or Bank should be responsible for specifying (setting) the purchase parameters (Supplier account number, price, etc.).

(3) The Buyer should have maximum control over the process, « · · · · ··· · • ♦ · · · »« · · ·* · · · ··· · i.e. the Buyer should have the opportunity to approve or reject transactions.

The aim of the invention is, based on the above, to provide a method for conducting electronic payment transactions that requires minimal customer intervention and at the same time offers the customer the opportunity to track, verify and approve or stop the purchase process.

The present invention also aims to design an electronic payment procedure related to commercial processes in a way that minimizes the preparation required for the customer (e.g., concluding a contract, personally appearing at a customer service office, etc.) and greatly simplifies their participation.

The invention also aims to provide a method for the full implementation of electronic (internet, mobile, etc.) commerce, based on which access to a service does not require any special preparation on the part of the buyer (e.g. concluding a contract with other actors participating in the process, etc.) and in which the buyer's active participation is reduced solely to the approval of individual transactions.

To achieve the set goal, according to the invention, we start from a method for conducting payment transactions electronically, during which the payment is made between the buyer and the supplier through the buyer's money management institution (bank) in such a way that the buyer sends order data to a selected supplier or service provider on a communication device, and based on the invoice data received from the service provider, the payment is made through his bank, and the supplier then transfers the ordered goods or services to the buyer. During the method according to the invention, the buyer also indicates in the data sent to the supplier or service provider that he wishes to receive the billing data through his bank, and the

The buyer authorizes the payment transaction by operating an input device based on the account data received from the bank on his communication device. For this procedure, the buyer only needs to have a regular account agreement with a money management institution or bank in advance, which can maintain contact with the supplier and the buyer, i.e. there is no need for, for example, a mandate agreement as is customary in group collection. From a financial institution perspective, the procedure is no different from if the buyer had made the transfer in the traditional way. Here, the bank only helps the customer in preparing the transaction, so that the customer only has to take the minimum necessary action, approval. The buyer can of course conclude such an account agreement with several banks in advance and must provide the supplier or service provider with the details of the bank (financial institution) selected for the transaction during the purchase.

If the customer does not have such an account contract, he can only use one of the traditional payment transactions (Figure 1). If the customer has another contract (e.g. a group fee collection contract) in addition to the account contract, any of these can be combined with the method according to the invention. In each case, the customer receives precise information about the payment obligation related to the ordered service or goods before payment, based on which he can approve the payment transaction with a single data entry. The communication device that can be used for data entry is e.g. a computer terminal connected to the Internet, on the display of which the transaction data is displayed and in which a selected key on the keyboard, a mouse or other similar input device is used as the input device. Data entry can also be implemented by operating a button on a mobile or a wired communication device.

The invention will be described in more detail below based on the embodiments shown by way of example in the accompanying drawing, where the

Figure 1 is a diagram of the traditional buyer-supplier relationship, Figure 2 is a conceptual diagram of the traditional buyer-bank-supplier relationship,

Figure 3 is a schematic diagram of a traditional bank direct debit order,

Figure 4 is a schematic diagram of an exemplary implementation of the method according to the invention,

Figure 5 is a diagram of the communication processes associated with the steps of the method according to the invention,

Figure 6 shows a possible practical business implementation of the method according to the invention with the participation of Hungarian retail banks, Giro responsible for interbank transactions, and the e-Commerce Aggregator ensuring the efficient connection of suppliers,

Figure 7 is a schematic diagram and user flow of the implementation of the method according to the invention according to Figure 6 for the electronic payment application of utility bills

Figure 8 is a schematic diagram and user flow of a further implementation of the method according to the invention according to Figure 6 for general electronic commerce applications,

Figure 9-15 shows a possible menu system of an exemplary user process applicable to the implementation of the method according to the invention on a mobile phone.

In the implementation example shown in Figures 4 and 5, only 1 buyer, 2 of the buyer's banks and 3 suppliers participate in the payment transaction. In the example shown in the drawing, 1 buyer orders some goods or services from 3 suppliers in 2 steps. The order may also come from another person, because the buyer will have the opportunity to check the transaction later in the procedure. The order can be made in any traditional or non-traditional way (in person, by phone, by letter, electronically, etc.). From the point of view of the order, it is also irrelevant whether the supplier approached the buyer with an offer of a certain product or service or whether the buyer contacted the supplier with previous information. When placing the order, the buyer can inform the supplier that the payment transaction will be carried out through a selected bank, but this is not necessary. In the absence of this, the supplier can of course choose a traditional payment method (cash, account transfer, bank transfer, etc.).

It may happen that the order was not generated directly by the customer, but by another person directly or indirectly related to them. This could be, for example, an opt-out based advertising campaign service, to which the customer was somehow added, but if the customer does not want to use it, he or she must unsubscribe from it.

In a special case, it may be that the customer 1 has not yet indicated to the supplier 3 at the time of ordering that he (later) wishes to settle his debts in a given electronic manner. This may be particularly typical in cases where the customer uses a service with continuous performance, e.g. utility services. The customer has the option of using the electronic payment method that is the subject of the invention at a later time than ordering. In this case, he may separately indicate to the bank 5 that the bank, acting on behalf of the customer 1, requests a delivery note or invoice from the supplier 3 and indicates to the supplier the possibility that the customer can settle his debt by electronic payment.

There may be a situation where an order constitutes an obligation for the buyer to pay, i.e. once the order has been placed, the buyer cannot cancel it, so the entire process must be completed, including payment. However, there may be a situation where the order does not constitute any obligation for the buyer, i.e. it is more of an expression of interest, which the buyer can withdraw from at any time. In this case, the supplier may send the delivery note before delivery, but will only start delivery if payment has been made beforehand.

After placing a one-time or regular order for a product or service, the customer has the opportunity to contact their bank using the electronic communication tool available to them and give their bank an “informal order” in 10 steps to prepare the payment transaction necessary to pay for the one-time or regular product/service. It is important to note that this “informal order” is not the same as a traditional bank order, in which the bank can act with full payment authority towards the given service provider on our behalf. The “informal order” is aimed solely at preparing data and processes, the customer still has control over the funds. Thanks to this, the customer can give this “informal order” to the bank under arbitrarily mild conditions, via a non-secure communication channel (in person, by telephone, via an electronic communication channel), as this does not and cannot have any harmful consequences for the customer. The order is generally valid until revoked and the revocation can be communicated in a similar way to the order. After that, 5 banks notify 3 suppliers in 11 steps about 1 customer's order to this effect and request the product/service invoice or its typically electronic extract in step 11. This process usually does not exempt the supplier from sending the traditional invoice required by law, which it must also send to the customer. Since the customer has not given a payment order to the bank and has not definitively committed itself to using the electronic channel, it is possible that instead of this electronic payment, it still wants to use other payment channels to pay the given invoice. It is advisable to send the data necessary for communication via a secure communication channel in both directions in order to avoid possible abuse.

Then the supplier 3 sends the invoice or delivery note related to the ordered product or service to the bank 5. The delivery note is an information package that can be easily stored and transmitted electronically, which clearly identifies the data of the Buyer, Supplier, Order and ordered goods. The bank stores the Delivery Note and transmits a copy or extract of it to the Buyer in 6 steps. Upon receiving this, the Buyer can issue an order to the Bank in 7 steps regarding the processing of the electronic payment. In the event of the Buyer's approval order, the bank 5 pays the supplier's claim based on the stored delivery note in 8 steps. The supplier delivers the ordered goods in 9 steps. At the same time, the Buyer can also delay or reject the Delivery Note received from the bank and the related Supplier's claim. It is important to note that the electronic payment channel that is the subject of the invention is not a compulsion for the buyer, but only an opportunity. The buyer is not forced to settle his payment via electronic channels. This is just a convenient option for him. However, circumstances may also mean that the buyer settles his debt via another, traditional channel, e.g. by paying a postal check or other transfer, but it is also possible that the buyer does not agree with the supplier's claim and then the transaction is carried out via completely different channels.

It may happen that the customer's order and the actual Delivery are significantly separated from each other, with a significant amount of time passing between them. In this case, the billing and payment processes also typically take place before, or close to, the delivery. This can typically occur in the case where the customer does not have a direct purchase obligation when ordering, but merely expresses interest in a product or anticipates the fulfillment of a future event. This can be the case, for example, of signing up for a regular or irregular service, where fulfillment only occurs at a later, future time.

It may happen that the buyer is a customer of several banks and several banks of the buyer offer this electronic payment service at the same time.

with that Supplier. In this case, the buyer is free to choose which bank to use for the payment transaction processes. Such considerations as cost, convenience, etc. may play a role in his choice. It is also possible that, instead of a bank, another institution may stand behind the buyer to fulfill the supplier's claim. It is also possible that the claim is not fulfilled in traditional national or foreign currency, but in some other value.

The electronic channel used by the customer may be wired or wireless Internet and an Internet-based application. The electronic channel and device used by the customer may also be a telephone, in which a pre-operated or automatic voice-based (so-called IVR) system ensures communication. The electronic channel and device used by the customer may be a mobile phone, in particular a GSM mobile phone and the mobile communication channels it supports, including SMS, WAP or Java applications, as well as various data communication channels, e.g. GPRS, Edge, UMTS, HSPDA. The electronic communication device through which the customer can maintain contact with the bank or, where applicable, the supplier, may be a personal computer, a portable notebook (notebook), a handheld computer (PDA), a push-button display phone, or even a mobile phone.

In special cases, it may be possible that the Supplier has a properly developed (e.g.) customer service channel for Buyers, through which a Buyer can submit his/her claim 10,11 directly to the Supplier 3 for the purpose of electronic payment, bypassing the Bank 5. This solution can be understood as the special situation when the Bank 5 forwards the signal 10 from the Buyer 1 in an unchanged form to the Supplier 3 during the 11th step.

One of the most common cases is when transporting butter. <

a utility or other service provider whose goods are goods or services that are continuously provided. In this case, the delivery of the goods and therefore the issuance of the delivery note is a regularly recurring (e.g. monthly) process, which therefore requires regular payment. The buyer's decision may not only be approval or rejection, but may also be subject to certain special conditions. Such as a given deadline, sufficient funds in the buyer's bank account or the fulfillment of other special conditions. It is possible, even probable, a variant in which one or all parts of the electronic communication between 1 buyer, 5 banks and 3 suppliers takes place under secure, i.e. encrypted conditions, which ensures that the process is inaccessible to external, unauthorized parties.

Significant steps have already been taken in the market to spread electronic (i.e. authentic, electronically signed) invoices. However, their widespread introduction presupposes the ability to manage paperless, electronic documents, which can only be realized in today's Hungarian households in the distant future. The electronic payment system outlined in the previous point, on the other hand, can create a favorable and gradual transition in a society where Internet and PC access is still scarce (in 10% of households), while other electronic channels, e.g. mobile phones, are present in more than 90%. When electronic invoices are spread, the role of the delivery note in the method according to the invention is taken over by the electronic invoice and all the usual purchasing and payment processes continue unchanged. The only thing that changes is that the paper invoices still included in the invention (which suppliers must mail to the customer regardless of the fact of electronic payment) disappear and their place is taken by the successor of the delivery note, the electronic invoice.

Since the market typically has a large number of 3 suppliers and several 5 banks, connecting all supplier actors is essential for every

would require a rather complicated and difficult to operate infrastructure with a bank. A well-proven technological method to solve this is the use of a central consolidator, which simplifies the infrastructure in the manner of a “telephone exchange”. Figure 6 shows an implementation example where the financial transactions between the service provider and the customer are facilitated by the banking sector consolidator, Giro, whose connection to suppliers is ensured by an additional consolidator, the “e-commerce aggregator”. This latter business actor ensures the uniformity of the banking connection of commercial suppliers covering an extremely heterogeneous and wide range of applications, the easier maintainability of the processes and the coordination of data communication transmitted to customers.

In a preferred embodiment of the method according to the invention, the telecommunications service providers (mobile, internet or telephone service providers) providing the electronic channels are transparent to the process, they only provide the connection at market telecommunications tariffs; they do not directly participate in commercial transactions, thus they do not receive any transaction fees.

The method according to the invention, in a preferred embodiment, uses traditional e-banking processes (bank transfer, group collection, etc.) or their combinations. The e-commerce services appear on the electronic banking interfaces provided by the bank, organically integrated into them. The same electronic banking system can be accessed on several user terminals. This can be e.g. an internet PC (internet banking), a mobile phone (mobile banking), or e.g. the user accesses it via an IVR-based system (tele-banking).

A customer using e-commerce services must have an electronic commercial contract (ebanking account). Although this term now mostly means internet-based bank account management (banking account), the customer can use this not only with an internet-connected PC, but also, for example, with a mobile phone.

The use of any service within the system does not require any special contract or authorization from the customer (apart from the general e-banking contract), all services and purchases can be initiated spontaneously, from the terminal itself (e.g. a mobile phone).

Among the user terminals of e-commerce services, the mobile phone is particularly noteworthy, as it can reach the widest range of retail customers today. The most important of these is the group of those whose households do not have an internet connection but have a mobile phone (about 70-80% of Hungarian households!!)

The e-Commerce aggregator creates a unified, standardized connection interface to which utility and other service providers, as well as other sellers of any kind, can connect.

This creates a standardized infrastructure for the participating banks. If they develop the necessary development on their side, they can make the products of the service providers and sellers connected to the system available to their customers through their electronic channels.

The main advantages of the proposed e-commerce system are as follows: - it leaves the previously established (contractual) relationships between the customer and the service providers unchanged and does not create new ones, so the transition to the current e-commerce services remains maximally spontaneous for the customers, requiring no separate administration.

- Drastically simplifies customer processes, thereby making them significantly more convenient and customer-friendly. Maximizing customer convenience is essential in commercial processes in supply markets, as business turnover is determined by the number and activity of customers lured away from competitors.

- Simplified customer processes also require simpler (electronic) communication channels, which means lower operating costs and a broader user market.

- It replaces opt-out-type services (e.g., group direct debit) that best serve the customer's long-term convenience with combinations of optin-based processes (e.g., individual transfer) that, in contrast to the complicated customer preparations of opt-out, provide maximum convenience and spontaneity in the short term.

In the embodiment shown in Figure 7, the suppliers are utility service providers. The figure shows the steps of the business process of the invention for the application of electronic payment of utility fees. The figure specifically highlights the role of the bank consolidator (Giro) and the e-commerce consolidator (e-commerce aggregator) in the process, where both the suppliers and the buyer have their own banks. In this system, the e-Commerce aggregator also maintains a current registry list of service providers entering its network, which is a possible advantageous implementation so that the buyer can forward the 10 orders indicated in Figure 4 to the supplier that is important to him.

In the above business process, the customer selects the utility Service Provider that is important to him/her on the e-banking (internet, mobile banking, etc.) interface provided by his/her bank and registers with the given Service Provider; to do so, he/she must provide his/her consumer ID used with the given Service Provider. After successful registration, the Service Provider sends an electronic statement of the Customer's due invoice on a monthly basis, which is delivered to the Customer's e-banking interface. (Regardless of this, the Service Provider also sends the original invoice by post or other means.) After the Customer has received an electronic statement of his/her due invoice, he/she can approve its payment with a simple click of a button. In case of approval, the bank automatically initiates a time transfer for the due date of the invoice. All necessary data for the bank transfer are automatically provided by the Service Provider, the Aggregator, the Giro and the Customer's Bank, as well as the connections between them. The transfer - depending on the bank's needs - can be made by arranging similar transfers according to the target account. The Bank can prepare analytics for the Service Provider on the status of electronic bank orders, which helps it to monitor the payment and settlement of its invoices.

The implementation example shown in Figure 8 shows a more general scenario than Figure 7, where the suppliers are arbitrary merchants and service providers, and the products they supply are based on ad hoc orders rather than regular monthly orders. In this system, the e-Commerce aggregator maintains a current list of the products of the sellers entering its network, which it sends to Customers for the purpose of purchasing the products. The Customer selects the Product on the e-banking (internet, mobile banking, etc.) interface provided by their bank. The Seller sends the account statement of the product selected by the Customer to the Customer (to some of their terminals) for approval of the purchase. After the Customer has received the account statement of the product selected by them, they can approve its payment with a simple click of a button. In case of approval, the bank automatically initiates a time transfer for the due date of the invoice. All the necessary data for the bank transfer are automatically provided by the Seller, the Aggregator, the Giro and the Customer's bank, as well as the connections between them. A report is prepared for the seller on the status of the electronic bank order, i.e. the payment. In case of successful payment, the seller authorizes the use of the given product (service).

Figures 9-15 show the menu system and user flow for controlling an electronic transaction implemented with a mobile phone. In the illustrated embodiment, the customer can select the utility service provider of which he is a customer and from whom he can request a statement of account via a mobile communication channel established with his bank. When he receives this, he can simply approve the payment from his mobile phone. No payment is made without approval.

As shown in Figure 9, the process of paying utility bills takes place within the bank's electronic banking interfaces. Here, the customer does not need to conclude a contract with a new business actor. The selection of service providers is spontaneous, directly from the mobile. The bills of utility service providers can be selected in the utility bill payments menu.

According to Figure 10, bill payment has three submenu items: - Bills due - Select utility provider - Delete utility provider By selecting the Select utility provider menu item, we can access the screen menu shown in Figure 11, where we can select the utility providers from which an electronic bill statement can be requested. When selecting utility providers, the system requests the customer's individual identification code (Customer ID) used by the given utility provider on the screen shown in Figure 12, which allows the given service provider to identify the customer in its own database. With this process, the customer has submitted his request to his service provider for bill statements. In the event of deleting the utility provider, no further bill notifications will be received from the deleted utility provider (until it is added again) for the execution of the simplified and verified payment transaction.

Figures 13-15 show a possible practical implementation of the delivery of account statements to the customer. Taking into account the possibilities of mobile phone systems, it is advisable to combine this with an SMS-based notification (so-called “push”) and an interactive query process (so-called “puli”). According to this, at the same time as mailing utility bills, service providers send their current account balances to their subscribed consumers, which are then delivered to the given customer by the e-commerce aggregator and then by the banks. To attract attention, the system first sends a short SMS notification stating that “due bills have arrived.

According to Figure 14, thanks to a special technological design, the customer can view all incoming account statements and their details interactively by pressing a button from the SMS via a mobile data connection (e.g. GPRS, Edge, 3G), as shown in Figure 15. Here, the customer has the option to approve the payment of the receivables on the list by the payment deadline individually or simultaneously by pressing a single button. In case of acceptance, the bank makes a payment on time and sends a debit notification to the customer's mobile phone. As long as the account statement is not approved, no payment will be made.

The application of the method according to the invention provides numerous advantages for both the customer/buyer and the supplier/seller, which are detailed below:

- Maximum spontaneity for the customer

The implementation of the commercial process does not require any preparation on the part of the buyer, e.g. a separate contract with a bank or supplier. The implementation of the procedure relies partly on traditional banking processes, partly on new processes that do not require legal preparation on the part of the buyer, and can therefore be implemented immediately and spontaneously by electronic means within the framework of internet and/or mobile shopping services.

- Maximum control provided to the customer

In the commercial process, the buyer has full control over the transfers. Unlike with direct debit, here the buyer can preview each transaction and approve the payment. The buyer therefore does not have to trust the supplier in advance.

- Maximum comfort for the customer

In the electronic purchasing process, the burden of defining the complex details and parameters of the product and supplier is not on the buyer, but on the supplier and the bank. The buyer only needs to make a Yes/No decision to complete the purchase/payment, which is thus simplified to the simplest possible level.

- Low-fee toll collection for suppliers Provides the most favorable toll collection for utilities and other service providers through a bank.

- Accurate collection of fees for the supplier

Although the process provides the buyer with the final decision to approve the payment, the procedure also guides the buyer to adhere to the payment deadline, which allows the Supplier to collect fees accurately and on time. - Wide Customer Base

The simple approval-based purchase that is the subject of the invention allows customers to use the system even on the simplest communication channel and does not require a complicated and expensive computer and internet environment. Such can be, for example, data communication on a mobile phone or even an IVR-based service on a traditional phone. These channels are already available to the widest range of customers.

Claims (11)

PATENT CLAIMS 1. A method for conducting payment transactions electronically, during which payment is made between a buyer and a supplier through the buyer's money management institution (bank) in such a way that the buyer sends order data to a selected supplier or service provider on a communication device and, based on the account data received from the service provider, makes the payment through his bank, after which the supplier transfers the ordered goods or services to the buyer, characterized in that the buyer also indicates in the data sent to the supplier or service provider that he wishes to receive the billing data through his bank, and the buyer authorizes the payment transaction by operating an input device based on the account data received from the bank on his communication device. 2. The method according to claim 1, characterized in that the data of several or all due invoices of a service provider or supplier are displayed simultaneously on the customer's communication device and a signal/message authorizing or prohibiting the payment transaction is generated in response to the signal of the input device operated by the customer. 3. The method according to claim 1 or 2, characterized in that the communication device is a computer terminal connected to the Internet, on the display of which the transaction data is displayed and in which a selected key of the keyboard, a mouse or other similar input device is used as the input device. 4. The method according to claim 1 or 2, characterized in that the communication device is a mobile device connected to a mobile (e.g. GSM, CDMA, etc.) network, on the display of which the transaction data is displayed and in which a selected key of the keyboard or other similar input device is used as the input device. 5. The method according to claim 1 or 2, characterized in that the communication device is a telephone, in which the transaction data is displayed by voice announcement and in which a selected key of the keyboard or other similar input device is used as the input device. 6. The method according to any one of claims 1-5, characterized in that the data traffic between the bank and the supplier is carried out via a secure communication channel. 7. The method according to claim 6, characterized in that the supplier issues and sends an electronic invoice to the bank. 8. The method according to claim 7, characterized in that the supplier also sends the electronic invoice to the buyer or makes it available to the buyer. 9. The method according to any one of claims 1-5, characterized in that the data traffic between the bank and the customer is carried out via a normal communication channel. 10. The method according to any one of claims 1-6, characterized in that in the absence of buyer approval, the payment transaction is executed according to the conditions previously defined by the buyer. 11. The method according to any one of claims 1-6, characterized in that in the absence of buyer approval or in the event of cancellation, the payment transaction is not executed. The authorized person: 8 K out. A