CN104641388A - Nfc transaction processing systems and methods - Google Patents
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- CN104641388A CN104641388A CN201380037487.4A CN201380037487A CN104641388A CN 104641388 A CN104641388 A CN 104641388A CN 201380037487 A CN201380037487 A CN 201380037487A CN 104641388 A CN104641388 A CN 104641388A
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- 238000007689 inspection Methods 0.000 claims description 78
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- 230000008569 process Effects 0.000 abstract description 32
- 238000004590 computer program Methods 0.000 abstract description 2
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- 238000010586 diagram Methods 0.000 description 4
- 230000004044 response Effects 0.000 description 4
- 230000008901 benefit Effects 0.000 description 3
- 238000013497 data interchange Methods 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 3
- 238000012795 verification Methods 0.000 description 3
- 241000764238 Isis Species 0.000 description 2
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- 230000008859 change Effects 0.000 description 2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0241—Advertisements
- G06Q30/0251—Targeted advertisements
- G06Q30/0253—During e-commerce, i.e. online transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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Abstract
Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for employing the near field communication (NFC) functionality of mobile devices for use in payment transactions.
Description
the cross reference of related application: the application is based on following patented claim and require the rights and interests of following patented claim and right of priority: the sequence number submitted on May 14th, 2012 is the U.S. Provisional Patent Application of 61/646,523; And the sequence number submitted is the U.S. Patent application of 13/768,156 on February 15th, 2013; The sequence number submitted on Dec 31st, 2012 is the U.S. Patent application of 13/731,348; The sequence number submitted on July 30th, 2010 is the U.S. Patent application of 12/846,911; The sequence number submitted on Dec 23rd, 2011 is the U.S. Patent application of 13/336,574, and the content of above-mentioned every section of patented claim is all entirely incorporated to herein for all objects.
Background technology
Increasingly, the mobile device of such as smart phone comprises near-field communication (" NFC ") technology now, and NFC technique allows mobile device to use NFC to communicate with reader, label and other NFC device.NFC device can be done three kinds of mode of operation usually---" reader/writer ", " equity " and " snap gauge plan " pattern.Different operation modes is based on ISO/IEC 18092,14443 and NFC IP-1 standard.
Under reader/writer pattern, NFC device can read the tag types that NFC forum specifies, such as when reading NFC smart poster label.Reader/writer pattern on RF interface meets ISO/IEC 14443 and FeliCa scheme.Under ad-hoc mode, two NFC device can exchange data (such as, two devices can share bluetooth or WiFi link parameters, or exchange virtual business cards or digital photos).Ad-hoc mode is based on ISO/IEC 18092 standard.Under snap gauge simulation models, NFC device appears to be the external reader about the same with traditional contact type intelligent card.Snap gauge simulation models makes NFC device can carry out contactless payment and ticketing when not changing existing payment processes infrastructure.At present, many smart phones comprise NFC technique.
Many mobile payment schemes propose and use NFC device under " snap gauge simulation models ".This pattern allows phone to be used as the storage vault of the Payment Card certificate of safety encipher.But, unfortunately, the standard (or " scheme ") that such request for utilization Payment Card certificate controls according to Payment Card association (such as Visa, American Express etc.) is encrypted, and requiring that the security encryption chip being called as " safety element " is present on mobile device, this adds cost and complexity for mobile device.These encipherment schemes be close and proprietary, and license determined by the owner of scheme.License may be expensive, and for participate in approval be do not have guaranteed.
In addition, the application program process realized needed for encipherment scheme may be complicated.Such as, a standard-required each Payment Card be stored on this chip being called as " Globoplatform/JCOP " (it is the java runtime environment realized in NFC chip in essence) has the java application of the encryption and decryption of the data of unique this card of group key management of its use.
The complexity that the proprietary cipher key scheme different from management is associated and security consideration have caused paying in the ecosystem at the NFC being called as trusted service manager creating new entity.The work of TSM is the trusted intermediary as the Payment Card certificate to the movement of the mobile phone of consumer being in charge of the multiple encipherment scheme encryption of use.Because except other are considered, different association has different schemes, and these associations do not think specific encryption and the card Managed Solution of sharing them each other, so there is TSM.Estimate that the use of TSM the cost managed can increase every year nearly 5 on the smart phone making Payment Card leave the use snap gauge simulation models NFC of consumer in.
Use the snap gauge simulation models NFC of encryption to be also that mobile-phone manufacturers and cellular carrier create chance for facility pays, attempt the process controlling to be placed on by Payment Card on the device being equipped with nfc card simulation model ability chip.Cellular carrier (such as together as Verzon and ATT of the part work of Isis Consortium) and mobile-phone manufacturers (such as Google) are just attempting to collect a large amount of expense to Payment Card publisher with the form of license fee or co-operative marketing dollar, and this is do not have attractive thing concerning the bank of the main publisher as Payment Card.Industry specialists is believed, Isis proposes, bank often opens Payment Card every year, and to pay about $ 10 to make Payment Card be spendable in the mobile phone of the support NFC from ATT or Verizon.
By the method and system preferably providing the NFC feature utilizing mobile device to be used for carrying out the payment transaction relating to these and other problems, described payment transaction comprises quotation and sends (offer delivery) and redeem, and the sending and redeeming of loyalty credits and award.When reading following discloses content, other advantages and feature will become clear.
Accompanying drawing explanation
Fig. 1 is the block diagram describing the system configured according to some embodiment.
Fig. 2 describes the process flow diagram according to the process of some embodiment.
Fig. 3 describes the process flow diagram according to the further process of some embodiment.
Embodiment
Embodiment of the present invention relate to near-field communication (" NFC ") function for utilizing mobile device for carrying out the system of payment transaction, method, process, computer program code and device.Generally, embodiment can with such as inventor cited above they common pending trial and the application jointly transferred the possession of described in such system be combined and dispose, in the system, mobile device may be used for by scanning, catches or otherwise key in and conclude the business with the code be associated of concluding the business.The feature of some embodiment will be incorporated into line description with payment or other transaction systems, in described payment or other transaction systems, mobile device be used for trade company position (or, in certain embodiments, ATM (Automatic Teller Machine), retail kiosk place, in face-to-face transaction etc.) conclude the business.In addition, embodiment can be combined with payment or other transaction systems, in described payment or other transaction systems, mobile device is used for initiating transaction by producing or otherwise obtain inspection token or other codes and using NFC technique this inspection token or code to be supplied to the second device (such as the device etc. of trade company's point of sale device, ATM (Automatic Teller Machine), retail kiosk, another person) involved in transaction.
Feature of the present invention by based on be used in cited above we common pending trial application described in payment and the supposition of transaction system be described, the details of these systems can not fully be reaffirmed in this article.But embodiment of the present invention are not limited to be combined with the payment described in the application of our CO-PENDING or transaction system.On the contrary, the use of NFC function as described in this article can be used with the result expected and benefit in multiple payment or transaction system, digital wallet etc.In addition, although embodiment is briefly described with reference to transaction (such as payment transaction) in this article, but embodiment can be used with the result expected in the transaction of other types, the transaction of described other types such as loyal, to reward or device (such as mobile device) can carry out the transaction of other mutual types of offering with another device (such as another mobile device or point-of-transaction) wherein.
Describe the feature of certain embodiments of the present invention now with reference to Fig. 1, Fig. 1 is the block diagram of the system 100 according to some embodiment.The further details of system 100 can obtain by referring to the application being incorporated to our common pending trial herein by reference.As directed, payment account holder, buyer or other users or operator's (following, " client ") can have or use mobile device 102 (such as mobile phone etc.).Mobile device 102 has display screen and data input device (such as keypad or touch-screen).According to embodiment of the present invention, client can use mobile device 102 to conclude the business via point-of-transaction device 106 and trade company or other entities (such as bank).Point-of-transaction device 106 can be such as point of sales terminal, ATM (Automatic Teller Machine), another mobile device (such as, the mobile device etc. of such as portable point-of-sale terminal, another person) etc.Trade company can be entity StoreFront, ecommerce trade company or mail-order and phone (" MOTO ") trade company or another person or entity.In addition, trade company without the need to being " trade company ", and can also be another person's (when concluding the business) or retail kiosk or other unmanned devices (such as ATM (Automatic Teller Machine) (" ATM ")) etc. face to face.
Conveniently and be easy to explaination, the device be associated with client, consumer or other entities of serving as buyer in transaction will be called as " mobile device 102 " or " supporting the mobile device 102 of NFC " in this article.The device be associated with trade company, dealer, fund recipient or other entities of serving as seller or fund recipient in transaction will be called as " point-of-transaction device 106 ".Those skilled in the art will recognize when reading the disclosure, point-of-transaction device 106 can be suitable for carrying out according to the present invention traditional trade company's point of sale device of operating, or it can be the device of such as mobile phone or other devices (such as, in certain embodiments, client can operating moving device, and trade company in transaction or other participants also can operating moving device).
According to some embodiment, mobile device 102 is the mobile devices supporting NFC, such as following such mobile phone, this mobile phone have be arranged on wherein (part as the chipset of this mobile phone is installed, or as after market SIM card install) radio-frequency (RF) identification (" RFID ") chip.As specific embodiment, mobile phone can be
nexus S or
9600 smart phones, wherein each all have the RFID chip be arranged on wherein.According to some embodiment, mobile device 102 can operate according to one or more of standard, such as, such as, and ISO/IEC 18092, NFC IP-1 and ISO/IEC 14443 contactless communication standard etc.
More particularly, according to some embodiment, mobile device 102 can operate under so-called " reader/writer " pattern, under reader/writer pattern, the NFC device in mobile device 102 can read data from the NFC label of NFC forum compatibility (NFC label such as NFC device 104).In certain embodiments, mobile device 102 can (or alternatively) can operate further under so-called " equity " operator scheme.Conveniently explain with being easy to, there is NFC device and can (such as, such as under reader/writer pattern and/or ad-hoc mode) carry out the mobile device that operates and will be called as the mobile device 102 supporting NFC in this article under NFC operator scheme.Support that the operation of the NFC device in the mobile device 102 of NFC can be carried out controlling (object least for the transaction carried out according to the present invention) via the mobile payment application program be arranged on the mobile device 102 supporting NFC.Such as, the operation of mobile payment application program can make the mobile device 102 of support NFC activate or enable the NFC operator scheme of the mobile device supporting NFC, and this allows mobile device 102 to read data from the NFC device 104 be associated with point-of-transaction.From NFC device 104 read data (or, in the embodiment further described below in conjunction with Fig. 3, be written to the data of NFC device 104) be moved payment application and catch, and conclude the business with payment according to the present invention or other and be combined.
Described in the application of common pending trial, comprise the generation of the unique code (being called as in this article " inspection token ") that is associated with point-of-transaction, scanning or seizure according to the purchase of some embodiment or other transaction processing.According to embodiment depicted in figure 1, the inspection token be associated with point-of-transaction is read from the NFC device 104 be associated with point-of-transaction 106 by the NFC device supported in the mobile device 102 of NFC.Described in the application of common pending trial, in certain embodiments, inspection token can dynamically produce for being used in the single transaction of particular merchant or position.As used herein, the inspection token of so dynamic generation is called as " dynamic token " or " dynamic check token ".Dynamic check token can be the token produced based on one or more item of information, described information such as, such as, the information (such as terminal identifier and/or merchant identifiers) be associated with particular transaction point, the information be associated with the date and time of transaction and/or the information be associated with dealing money or other trade details.
Inspection token can also be the static check token be associated with particular transaction point 106.Such as, unique identifier can distribute to single point-of-transaction.
In certain embodiments, support that the mobile device 102 of NFC reads inspection token (no matter it is static token, or dynamic token) and makes information from supporting that the mobile device 102 of NFC is sent to trade managing system 108 for for completing transaction.According to some embodiment, the data be associated with inspection token or can select suitable payment to be combined with identification, described suitable payment is used for transaction, for supporting that the mobile device 102 (and holder) of NFC is associated with transaction, or for otherwise obtaining the information about the unsettled transaction with point-of-transaction 106.
Depicted in figure 1 in embodiment, NFC device 104 communicates with point-of-transaction device 106 via communication interface 110, communication interface 110 allows point-of-transaction device 106 operation next (1) to upgrade the NFC label (or simulating the device of one of multiple NFC label) being arranged in NFC device 104, or (2) read information from the NFC label (or device of simulation NFC label) being received from the mobile device 102 supporting NFC.Such as, communication interface 110 can be wireline interface (such as, such as, serial line interface etc.) or wave point (such as bluetooth, ZigBee etc.).According to some embodiment, NFC device 104 can comprise the NFC label of encoding with NFC data Interchange Format (" NDEF "), such as, such as, according to NFC Forum Type 1-type 4 label of ISO/IEC 14443A, FeliCa or ISO/IEC 14443.
The data being sent to NFC device 104 can comprise the data formatd according to data interchange format (such as NFC forum data Interchange Format (" NDEF ")).Such as, point-of-transaction device 106 can be provided to allow data (such as static or dynamic check token) to send the code being given to NFC device 104 with following form, described form allows NFC device 104 to operate described data, to make described data (such as static or dynamic check token) be stored in the storer of NFC device 104, and can be accessed to be read by NFC device (such as supporting the mobile device 102 of NFC).
In certain embodiments, such as, point-of-transaction device 106 can be provided to the application program encapsulating (or point-of-transaction device 106 otherwise can be supplied to access) inspection token that point-of-transaction device 106 produces.Inspection token can be encapsulated in single NDEF message or one group of NDEF message, and described NDEF message allows inspection token data to be provided to NFC device 104 for being written in the NFC label of NFC device 104.According to some embodiment, point-of-transaction 106 can produce NDEF message when each generation or test for identification token.That is, in certain embodiments, when each generation or test for identification token, operation point-of-transaction 106 makes inspection token be written to the NFC label of NFC device 104 or be stored in this NFC label.Then inspection token data can be sent to supports that the mobile device (such as device 102) of NFC is for for carrying out according to transaction of the present invention.Such as, when supporting the mobile device 102 of NFC to receive inspection token, can operation information resolver (such as NDEF message parser) carry out destructing message and useful load (it comprises inspection token) is passed to for the treatment of application program.According to the present invention, inspection token is delivered to mobile payment application program and is further processed that (it can comprise, such as, inspection token and other data are sent to trade managing system 108 to allow trade managing system 108, mobile device 102 to be associated with the transaction relating to point-of-transaction 106).
In certain embodiments, token is checked can to produce (or otherwise identify) based on each transaction and (in the message of such as NDEF message) sends to NFC device 104.Such as, in certain embodiments, the NDEF message of package inspection and verification token can be triggered in the initiation transaction of point-of-transaction place or cause by cashier.As another embodiment, the NDEF message of package inspection and verification token can be passed through client's (or supporting holder of the mobile device 102 of NFC) and indicate client to wish to use mobile device to carry out concluding the business and trigger or cause to point-of-transaction 106.
In certain embodiments, token is checked can not to produce (or otherwise identification) so continually and (in the message of such as NDEF message) sends to NFC device 104.Such as, in certain embodiments, static check token can be produced (or being otherwise identified) and is identified particular transaction point uniquely.Such static check token is without the need to producing for each transaction; On the contrary, can produce or identify that token is to guarantee that token identifies point-of-transaction uniquely as required.In such embodiments, point-of-transaction 106 can encapsulate static check token data, and it is sent to NFC device 104 by (in the message of such as NDEF message) as required.
The data be encapsulated in NDEF (or other) message can comprise message type identifier (it can be such as NDEF particular type or self-defined message type).In addition, described message can comprise for NFC device reading data and carry out other useful information of action to data.
In certain embodiments, the NFC label in NFC device 104 is written into it can be read for the mobile device 102 carrying out the support NFC operated under reader/writer pattern or ad-hoc mode.The example transaction of the embodiment relating to Fig. 1 is described now with reference to Fig. 2.
The process of Fig. 2 presents from the angle of trade company or other point-of-transaction generally.Such as, transaction processing 200 can be performed by the merchant location with the point-of-transaction device 106 having NFC device 104, or performs at this merchant location place.Process, from 202,202, charges to the fund of commodity or service to amount to purchase.Proceed in 204 process, 204, point-of-transaction device 106 (or office worker) points out customer selecting payment options, and determines whether mobile payment option is selected.If mobile payment option is not selected, then proceed in 206 process, 206, standard payment process occurs or uses another payment options to complete the process of purchase.
If mobile payment option is selected, then proceed in 208 process, 208, point-of-transaction device 106 (or other commerce systems be associated) produces or otherwise obtains inspection token.Such as, point-of-transaction device 106 can be operated produce or distribute and the static state or dynamic check token that are combined of concluding the business.In an exemplary and unrestriced embodiment, point-of-transaction device 106 can create trade company's payment authorization request, and this request is sent to trade managing system 108, and the payment authorization request of described trade company comprises trade company inspection token, dealing money and other transaction data (transaction data etc. of such as terminal identifier, date, time, enhancing).Trade company's payment authorization request then by trade managing system 108 (such as, described in the application at our common pending trial) for creating the unsettled transaction in merchant transaction queue.In certain embodiments, as in the application of our common pending trial discuss, inspection token does not send from point-of-transaction device 106.On the contrary, token is checked can be retrieved in response to the message received from point-of-transaction 106 208, produce or " searching " by trade managing system 108.Such as, token is checked can be searched from the table be associated with static check token by trade company ID (receiving 208).In certain embodiments, inspection token can be produced when it receives trade company's payment authorization request 208 by trade managing system 108, then checks token that a part for the response as trade company's payment authorization request is transferred back to point-of-transaction 106.Although the process at 208 places is shown as including, and inspection token is sent to trade managing system 108 from trade company, in certain embodiments, do not send token 208, on the contrary, inspection token is provided by trade managing system 108.
Proceed in 210 process, 210, inspection token can be made for client via NFC device 104, the NFC reader in mobile device 102 can be used to catch inspection token to make client.210, process can comprise point-of-transaction device 106 and is encapsulated into by inspection token in message (such as a NDEF message or multiple NDEF message) for the operation being supplied to NFC device 104 (such as, to make the NFC device data be associated with inspection token be updated).Then client can such as be indicated in the scope of NFC reader to the touch point of NFC device 104 or region tapping or the mobile device of support NFC presenting them by office worker's (or guide signing by being associated with NFC device 104).The mobile payment application program be arranged on mobile device 102 can provide confirmation signal or message, and described confirmation signal or message confirm when the data from NFC device are successfully read.
Described in the application at our common pending trial, successfully read once inspection token has been moved device 102, just the message comprising inspection token is sent to trade managing system 108 from mobile device 102, for for payment details being mated with the payment information of client.Proceed in the process at 212 point-of-transaction places, 212, point-of-transaction device 106 (directly or via intermediate system (such as payment gateway, point of sales system etc.) indirectly) receives trade company's payment authorization response message from trade managing system 108.Trade company's payment authorization response message to be produced after some client's associated process steps and trade managing system associated process steps (being described in the application of our common pending trial) complete by trade managing system 108 after payment that client's (using their mobile device 102) selects has carried out for purchase-transaction authorizing.Proceed in 214 process, 214, operation point-of-transaction device 106 causes the generation of receipts of transactions to complete transaction.The sequence of these message only provides for the object illustrated.In certain embodiments, transaction processing can perform by different order---and such as, inspection token can be supported that the mobile device 102 of NFC reads to initiate to process before any communication between point-of-transaction 106 and trade managing system 108.
Described in the application at our common pending trial, in certain embodiments, the process of Fig. 2 can be revised as and allow trade company to send trade company's payment authorization request before transaction summation is by calculating.In addition, in such embodiments, client can operate mobile device 102 reading inspection token before transaction summation is by calculating of their support NFC.
According to some embodiment, support that the mobile device 102 of NFC can be configured to write data into NFC device 104 so that inspection token or code are passed to point-of-transaction device 106.In such embodiments, support that the mobile device 102 of NFC is configured to operate under NFC write device pattern, this makes to support that inspection token or code can be delivered to point-of-transaction device 106 by the mobile device 102 of NFC.Some existing payment scheme uses the NFC ability of mobile device that the card holder data of encryption are delivered to payment terminal.Described in above background technology part, such scheme needs expensive and the encryption of complexity and certificate verification scheme carry out convenient payment.Embodiment of the present invention avoid such cost and complicated when operating under pattern as shown in Figure 3, because the unique information being sent to point-of-transaction 106 from mobile device 102 is for supporting the static state that the mobile device 102 of NFC to be associated with point-of-transaction 106 to make the unsettled transaction relating to these devices to be uniquely identified or dynamic check token.In certain embodiments, check token by supporting that the mobile device 102 of NFC before concluding the business (or period) obtains from trade managing system 108.In certain embodiments, inspection token by supporting that the mobile device 102 of NFC obtains before the trade, and can be cached for use.Even if this allow transaction according to the present invention when supporting the mobile device 102 of NFC can not get in touch with trade managing system 108 at trading time period (such as, when transaction location have operational limited wireless or honeycomb connect) also can be performed.
As shown in Figure 3, the transaction in such embodiment can proceed as follows.Process, from 302,302, charges to the fund of commodity or service to amount to purchase.Proceed in 304 process, 304, point-of-transaction device 106 (or office worker) points out customer selecting payment options, and determines whether mobile payment option is selected.If mobile payment option is not selected, then proceed in 306 process, 306, standard payment process occurs or uses another payment options to complete the process of purchase.
Proceed in 308 process, 308, customer selecting produces (or otherwise obtaining) inspection token about the mobile payment application program on the mobile device 102 supporting NFC and this inspection token is write the option of the NFC device 104 be associated with point-of-transaction device 106.This inspection token is written into NFC device 104 via radio communication (such as by the contactless communication interface 112 of Fig. 1) from the NFC device supported the mobile device 102 of NFC.Once inspection token is received by NFC device 104, with regard to (interface 110 via Fig. 1), it is sent to point-of-transaction device 106 and uses for when producing one or more message for trade managing system 108.Such as, point-of-transaction device 106 can produce trade company's payment request message when receiving inspection token, and this trade company's payment request message draws together trade detail (comprise, such as, dealing money, merchant information, point-of-transaction information etc.).Trade detail, is sent to trade managing system 108 together with inspection token.The process of transaction proceeds in (and as described in the application of our common pending trial) mode similar with above mode described in conjunction with Figure 2.By this way, embodiment allows to support that the mobile device 102 of NFC is concluded the business under NFC write device pattern, and without the need to complexity, expensive and possible unsafe encipherment scheme.
Mobile device 102 regardless of support NFC carries out operating (as shown in Figure 3 as in) or carrying out operating (as in fig. 2) under reader mode under write device pattern, and embodiment all provides several advantages.Such as, embodiment make it possible to that mobile device and terminal are realized walking around that card associates by the needs walking around the safety element ability using NFC controller chip, TSM, operator and mobile-phone manufacturers expense Sum fanction the payment scheme based on NFC.In addition, embodiment allows the mobile device of the support NFC of all support reader/writer patterns to have secured mobile payment and mobile quotation redemption function when not using snap gauge to intend NFC and safety element.Embodiment also makes it possible to when not existing and can complete contactless payment transaction and do not use snap gauge simulation models NFC when wireless connections for mobile device.
Description above for process herein should not be considered to imply the definite sequence performing treatment step.On the contrary, these treatment steps can perform by any order of practicality, perform while comprising at least some step.
Those skilled in the art will recognize when reading the disclosure, and multiple different hardware and softwares configuration may be used for realizing feature of the present invention.As specific exemplary (and unrestriced) embodiment, point-of-transaction can be connected to the RC-S801NFC dynamic labels (being also referred to as FeliCa Plug) that Sony (SONY) provides.In certain embodiments, RC-S801NFC dynamic labels can connect via wireline interface with from external system (such as point of sale device etc.) acceptance inspection token.Once received, in the NFC label that RC-S801NFC dynamic labels just can make inspection token data be present in RC-S801, and inspection token data can be made can to supply to be read by the mobile device 102 of the support NFC carrying out operating under NFC reader pattern.Reverse process is also supported.That is, RC-S801NFC dynamic labels can be operated receive the value (such as checking token) provided by the mobile device 102 of the support NFC carrying out operating under reader/writer pattern.Several other commercially available label can be configured to be combined with system of the present invention.
In certain embodiments, the NFC controller be present in the mobile device of many support NFC reads (or write) to check token to use.Such as, many mobile devices are equipped with and can read and write the NFC controller of NFC label, such as NXP PN532.The all right mock standard NFC label of such NFC controller, this allows them to be used as point-of-transaction device 106.That is, the mobile device 102 that can operate the support NFC be configured by this way is to supporting the mobile device 102 of NFC to present inspection token or from the mobile device 102 acceptance inspection token of support NFC with NFC reader/write device mode capabilities.
Solution can also be made and be present in many being equipped with and can read and work together with the NFC controller write the NFC phone of the NFC controller (can obtain from NXP semiconductor (NXP Semiconductor)) of NFC label.They can also mock standard NFC label, this means that they can be used as can to present inspection token to supporting the mobile device of NFC or from the point-of-transaction device of mobile device acceptance inspection token of support NFC with NFC reader/write device mode capabilities.By allowing inspection token to transmit between such device, can perform according to transaction of the present invention.
Although describe the present invention in conjunction with specific exemplary, it should be understood that, when not departing from the spirit and scope of the present invention set forth in appended claims, the apparent various change of those skilled in the art, replacement and change can be carried out to disclosed embodiment.
Claims (24)
1. a system, described system comprises:
Point-of-transaction device, described point-of-transaction device for identifying the information about transaction, the inspection token that uses in transaction described in the identification of described point-of-transaction device; And
NFC device, described NFC device communicates with described point-of-transaction device, described inspection token is received from described point-of-transaction device, described NFC device is wirelessly by the NFC reader of described inspection token passing to the mobile device of support NFC, and the mobile applications for the mobile device of described support NFC uses.
2. the system as claimed in claim 1, from the use of client, the identification of wherein said point-of-transaction device supports that the mobile device of NFC carries out the request of described transaction.
3. the system as claimed in claim 1, the NFC reader of the mobile device of wherein said support NFC operates under reader/writer pattern.
4. the system as claimed in claim 1, wherein said NFC device is communicated with described point-of-transaction device by wireline interface.
5. the system as claimed in claim 1, wherein said inspection token upgrades in described NFC device under the control of described point-of-transaction device.
6. the system as claimed in claim 1, wherein said inspection token received from remote transaction management system at described point-of-transaction device place before described transaction code is sent to described NFC device.
7. the system as claimed in claim 1, wherein said point-of-transaction device and described NFC device are formed as individual unit.
8. the system as claimed in claim 1, wherein said inspection token receives from remote transaction management system at described NFC device place.
9. the system as claimed in claim 1, wherein said inspection token distributes by described trade managing system the static code being used in the transaction of described point-of-transaction device.
10. the system as claimed in claim 1, wherein said inspection token was produced before described inspection token is sent to described NFC device by described point-of-transaction device.
11. the system as claimed in claim 1, wherein said inspection token is produced by point of sales system, and is supplied to described point-of-transaction device for being sent to described NFC device.
12. the system as claimed in claim 1, the step wherein receiving described inspection token from described point-of-transaction device comprises and to be encapsulated in by described inspection token message wrapper and described message wrapper is sent to described NFC device.
13. the system as claimed in claim 1, wherein said point-of-transaction device is the mobile device of the second support NFC.
14. 1 kinds of systems, described system comprises:
Point-of-transaction device, described point-of-transaction device is for identifying the information about the transaction relating to described point-of-transaction device and client, and the identification of described point-of-transaction device supports from the use of described client the request that the mobile device of NFC pays; And
NFC device, described NFC device communicates with described point-of-transaction device, described NFC device is from the mobile device wirelessly acceptance inspection token of the described support NFC operated under reader/writer pattern, with when the mobile device of described support NFC is positioned near described NFC device, described inspection token is written to described NFC device, and received inspection token passing uses to described point-of-transaction device for when completing described transaction by described NFC device.
15. systems as claimed in claim 14, the mobile device that wherein said inspection token is produced for described support NFC by trade managing system uses when concluding the business.
16. systems as claimed in claim 15, wherein said inspection token is selected from can for the inspection token of multiple high-speed caches of the mobile device access of described support NFC.
17. systems as claimed in claim 14, wherein said point-of-transaction device is the mobile device of the second support NFC.
18. 1 kinds for carrying out the method for payment transaction, described method comprises:
The purchase amount of money at point of sale device place is amounted to;
Determine that mobile payment option is selected;
Upgrade the NFC device at described point of sale device place with inspection token, described inspection token is wirelessly sent to from described NFC device the mobile device that client operates via NFC interface; And
Payment authorization is received from described trade managing system.
19. methods as claimed in claim 18, wherein said payment authorization receives from described trade managing system after described inspection token has all been sent to described trade managing system by described mobile device and described point of sale device individually.
20. methods as claimed in claim 18, wherein said NFC device is communicated with described point of sale device by wired serial interface.
21. 1 kinds for carrying out the method for payment transaction, described method comprises:
The purchase amount of money at point of sale device place is amounted to;
Determine that mobile payment option is selected;
From the mobile device acceptance inspection token of client's operation, described inspection token be via the NFC device in described mobile device with and described point of sale device carry out wireless communication receiver between the second NFC device of communicating;
The trade company comprising described inspection token and purchase-transaction data is paid request and is sent to trade managing system; And
Payment authorization is received from described trade managing system.
22. methods as claimed in claim 21, wherein said inspection token is by the mobile payment application identification operated on described mobile device.
23. methods as claimed in claim 21, wherein said inspection token was cached before carrying out payment transaction by described mobile payment application program.
24. methods as claimed in claim 21, wherein said inspection token during carrying out described payment transaction by described mobile payment application identification.
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| US13/731,348 US9400978B2 (en) | 2010-04-09 | 2012-12-31 | Methods and systems for selecting accounts and offers in payment transactions |
| US13/731,348 | 2012-12-31 | ||
| US13/768,156 | 2013-02-15 | ||
| US13/768,156 US9305295B2 (en) | 2010-04-09 | 2013-02-15 | Payment processing methods and systems |
| PCT/US2013/040953 WO2013173339A1 (en) | 2012-05-14 | 2013-05-14 | Nfc transaction processing systems and methods |
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| CN107818464A (en) * | 2016-09-14 | 2018-03-20 | 百度在线网络技术（北京）有限公司 | A kind of NFC payment realized in mobile terminal and device |
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| US10275827B2 (en) | 2013-03-14 | 2019-04-30 | Fexco | Systems and methods for transferring funds using a wireless device |
| US20220300943A1 (en) * | 2019-08-16 | 2022-09-22 | Felica Networks, Inc. | Information processing apparatus, payment processing system, method, and program |
| US12067552B2 (en) | 2022-01-11 | 2024-08-20 | Pi-Xcels Pte. Ltd. | Method of issuing electronic receipts |
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- 2013-05-14 WO PCT/US2013/040953 patent/WO2013173339A1/en active Application Filing
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- 2013-05-14 BR BR112014028407A patent/BR112014028407A2/en not_active IP Right Cessation
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| US20100125510A1 (en) * | 2008-11-17 | 2010-05-20 | Smith Steven M | System and method of conducting transactions using a mobile wallet system |
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| CN107818464A (en) * | 2016-09-14 | 2018-03-20 | 百度在线网络技术（北京）有限公司 | A kind of NFC payment realized in mobile terminal and device |
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Also Published As
| Publication number | Publication date |
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| CN104641388B (en) | 2018-07-10 |
| EP2850572A4 (en) | 2016-01-06 |
| JP2015525383A (en) | 2015-09-03 |
| WO2013173339A1 (en) | 2013-11-21 |
| BR112014028407A2 (en) | 2017-06-27 |
| EP2850572A1 (en) | 2015-03-25 |
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