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WO2008092770A1 - Procédé et dispositif de paiement électronique - Google Patents

Procédé et dispositif de paiement électronique Download PDF

Info

Publication number
WO2008092770A1
WO2008092770A1 PCT/EP2008/050663 EP2008050663W WO2008092770A1 WO 2008092770 A1 WO2008092770 A1 WO 2008092770A1 EP 2008050663 W EP2008050663 W EP 2008050663W WO 2008092770 A1 WO2008092770 A1 WO 2008092770A1
Authority
WO
WIPO (PCT)
Prior art keywords
pos
mobile terminal
transaction
credit card
rfid tag
Prior art date
Application number
PCT/EP2008/050663
Other languages
German (de)
English (en)
Inventor
Hischam Telib
Original Assignee
Trium Gmbh
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Trium Gmbh filed Critical Trium Gmbh
Publication of WO2008092770A1 publication Critical patent/WO2008092770A1/fr

Links

Classifications

    • 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
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices

Definitions

  • the invention relates to a method and a device for electronic payment, in particular the invention relates to an apparatus and a method for (mobile payment) mobile numbers.
  • Mobile payment or mobile payment or M-payment are payment transactions in which at least the debtor uses mobile electronic communication techniques for initiation, authorization or realization of the payment. These are usually PDAs, mobile phones, smartphones, laptops or similar.
  • a POS terminal is an online terminal for cashless payment at a point of sale.
  • cash withdrawals cash payments
  • point-of-sale cash The transfer of funds from the account of the buyer to the account of the sales operation should be automated.
  • a POS payment is defined as a payment in which the payee has a POS terminal, the payment provider a corresponding card as
  • Acquiring is a banking term. Acquiring involves the acquisition of contractors willing to accept credit card payments.
  • the acquiring bank is the bank that settles the card payments.
  • bank which issued a card to the cardholder also called issuer or issuing bank
  • the cardholder who pays for a product or service purchased by him / her the card
  • POS payment service provider
  • the bank which settles the card transactions of the contracting party, also known as acquirer or acquiring bank.
  • Object of the present invention is a safe
  • Part of the invention is an RFID system (Radio Frequency Identification), which includes a transponder (also called RFID tag, smart tag, smart label, snoop chip, RFID chip, RFID tag or radio tag). This is connected to the POS. A reader with associated antenna (also called a reader) is included in the mobile terminal for reading the RFID information from the POS.
  • RFID system Radio Frequency Identification
  • transponder also called RFID tag, smart tag, smart label, snoop chip, RFID chip, RFID tag or radio tag.
  • a reader with associated antenna also called a reader
  • transponder and reader takes place by means of electromagnetic waves. At low frequencies, this happens inductively via a near field, at higher frequencies via an electromagnetic far field.
  • an electronic payment is made by a mobile terminal that can read an RFID tag.
  • Another component of the invention is a POS that is provided with an RFID tag that provides at least one unique POS identification. The purpose of the identification is that after the authorization, the correct POS can be informed that a payment has been made.
  • the amount from the POS system is usually communicated to the POS system.
  • the customer now normally has to provide his credit card, whose credit card data is then read in to complete the transaction.
  • the present invention intervenes.
  • the linked data is then sent over a wireless network through the mobile terminal to an acquirer system.
  • the acquirer system performs an authorization electronically, and sends a positive acknowledgment to the POS or an alternative device (eg mobile phone, computer, ERP system) of the POS operator if the transaction was successful and a negative acknowledgment if the Authorization did not succeed.
  • an authorization electronically, and sends a positive acknowledgment to the POS or an alternative device (eg mobile phone, computer, ERP system) of the POS operator if the transaction was successful and a negative acknowledgment if the Authorization did not succeed.
  • the credit card data can be determined by the unique identifier.
  • a trust center system decrypts this association, sending the unique credit card identifier along with the unique identification of the POS and the price to be paid to the trust center system, which determines the card information based on the unique card identifier and then forwards it to the acquirer system.
  • the trust center system also acquires the acquirer system
  • the trust center system is thus arranged as a proxy between the POS and the acquirer system. In this selective approach, transactions that do not go through the mobile terminal are forwarded directly to the acquirer system.
  • the trust center system can manage one or more credit cards for a user of a mobile terminal, and in each case provide unique credit card identifications, which are stored on the mobile terminal and can be selected when making a payment.
  • a program is initially loaded on the mobile terminal, on the one hand allows to select a credit card for the payment for which the credit card identifier is deposited, then allows to read the RFID tag provided by the POS, and then request a confirmation input for the price from the user , After submitting the confirmation by the user, the price, the credit card identifier and the unique identification of the POS and preferably the transaction ID are sent to the trust center system by the mobile terminal.
  • the access and the data to the program are preferably carried out by a password.
  • additional POS identifications are stored in the trust center system, which are provided by the acquirer system in order to enable the communication between POS and trust center system, and to check the correctness of the data.
  • the card identification is changed after each transaction.
  • a deterministic random number generator can be used which changes the information on both the mobile device and the trust center and is synchronized.
  • an encrypted new key can be transmitted after each transaction.
  • the transmitted data is preferably encrypted and or provided with signatures.
  • the preferred embodiment is RFID-NFC chips used.
  • the POS system through the credit card payment is initiated, comprising a readable RFID tag, which provides a unique identifier for an electronic transaction with a Acquirersystem that is readable by a mobile "terminal to it, based an electronic
  • This POS will change the day on each transaction by describing it with the price information of the transaction so that the price is automatically read in by the mobile terminal, and preferably additionally the transaction ID on the RFID tag for each transaction written so that the mobile terminal obtains this, and forwards it to the Acquirersystem.
  • the mobile phone with appropriate software is part of the invention, as described in the claims.
  • Fig. 1 shows the parties in card-based payment transactions according to the prior art
  • Fig. 2 shows the parties according to the invention
  • Fig. 3 shows the transmission of the identification data of
  • Fig. 4 shows the authorization request of the transaction via the trust center, which goes to the acquirer, who in turn forwards to the issuer, and then to the POS
  • Fig. 7 shows the settlement element with the payment from the issuer bank to the acquirer bank
  • Fig. 8 shows the billing to the customer / user (debit) and the credit to the POS holder;
  • Fig. 9 shows the first step of setting up the mobile
  • Fig. 10 shows the second step of the establishment of the mobile
  • Fig. 11 shows the third step of the establishment of the mobile
  • Fig. 12 shows the fourth step of the device of the mobile terminal
  • Fig. 13 shows the transmission paths within the present
  • the additional party in the payment transaction according to the invention is the trust center (FIG. 2).
  • the virtual card accounts are deposited and stored by a card-issuing bank (issuer).
  • the mobile phone is equipped with an RFID NFC chip for reading the POS information. Furthermore, it has a pre-installed application which stores the card keys and changes them according to a predetermined mode.
  • the POS is equipped with an RFID NFC chip, which transmits information to the POS.
  • the POS information may consist of POS ID / Terminal ID / Price / if applicable Transaction ID, which are passed on to the mobile phone.
  • Figure 1 shows a known way in a card payment according to the prior art.
  • the cardholder gives his credit card with the credit card details to the seller who has a POS or an internet portal. These will be forwarded to the bank / acquirer (VISA, MASTERCARD etc.) who will then ask the issuer of the card (issuer bank) where the account for the credit card is deposited whether there is sufficient liquidity. If so, authorization information is forwarded to the POS via the bank / acquirer. Then the card is debited to the bank / acquirer. Finally, the bank / Aqcuirer asks the bank / issuer for payment. During billing, the cardholder's account will be debited and a credit will be assigned to the POS holder.
  • FIG. 2 shows the embodiment according to the invention.
  • a trust center is centrally located, which has access to all components or communicates with them. The exact form of communication is described below.
  • the POS has a unique identification, which is stored on an RFID tag.
  • the mobile terminal has an RFID reader that reads the tag.
  • the POS system may write the transaction ID, the price of the merchandise, and the POS identifiers to the RFID chip.
  • the data is sent along with the credit card ID to the trust center, which converts the identifier into credit card data, and then transmits it to the issuer via the bank / acquirer via the common credit card network for authorization there can. If the authorization was successful, the acquirer sends a confirmation to the POS.
  • the payment can then be made in FIG. 5, the trust center being arranged between the acquirer and the POS.
  • the POS will then be notified that the transaction was successful so that the seller can deliver the goods.
  • FIG. 6 shows the clearing. In this case, all transactions carried out are passed on in one go to the trust center, in order to then carry out a load via the established network. In the subsequent settlement in FIG. 7, the acquirers are then sent the cash flows by the issuer of the card.
  • FIG. 8 shows the device of the mobile terminal.
  • the sums paid are assigned to the owner of the mobile device and his account is debited
  • the credit of the acquirer is assigned to the owner of the POS who has deposited an account number for his POS
  • FIG. 9 shows the device of the mobile terminal.
  • Figure 13 shows the network connections and the type of network connection used for communication.
  • GRPS or UMTS is additionally used in the mobile communication with SSL / HTTPs for encryption.
  • the other communication media which are preferably via a landline or the Internet, SSL / HTTPs are used.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé de paiement électronique par le biais d'un terminal mobile capable de lire une étiquette RFID, qui fait également intervenir un terminal point de vente (TPV) pourvu d'une étiquette RFID fournissant au moins une identification de TPV univoque, lequel procédé comprend les étapes suivantes : lecture de l'étiquette RFID par le terminal mobile et obtention de l'identification de TPV univoque, détermination du prix à payer, établissement d'un lien entre, d'une part, les données extraites et le prix à payer et, d'autre part, les données relatives à la carte de crédit, transmission des données liées par le terminal mobile à un système d'acquisition par l'intermédiaire d'un réseau sans fil, exécution de la transaction électronique par le système d'acquisition et envoi d'un accusé de réception positif au terminal point de vente ou à un autre appareil de l'opérateur, si la transaction a réussi, ou envoi d'un accusé de réception négatif au terminal point de vente ou à un autre appareil, si la transaction a échoué.
PCT/EP2008/050663 2007-01-30 2008-01-21 Procédé et dispositif de paiement électronique WO2008092770A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE102007005427A DE102007005427A1 (de) 2007-01-30 2007-01-30 Verfahren und Vorrichtung zur elektronischen Zahlung
DE102007005427.2 2007-01-30

Publications (1)

Publication Number Publication Date
WO2008092770A1 true WO2008092770A1 (fr) 2008-08-07

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ID=39320798

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Application Number Title Priority Date Filing Date
PCT/EP2008/050663 WO2008092770A1 (fr) 2007-01-30 2008-01-21 Procédé et dispositif de paiement électronique

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Country Link
DE (1) DE102007005427A1 (fr)
WO (1) WO2008092770A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI559239B (zh) * 2011-06-24 2016-11-21 星球支付方案有限公司 分散式交易處理系統及方法

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2637382B1 (fr) * 2008-12-01 2016-02-24 tagPAY GmbH Procede d'autorisation d'une transaction
DE102009003415A1 (de) 2009-02-02 2009-06-18 Hübner, Detlef System und Verfahren zur Rfid-gestützten Datenübertragung, insbesondere zur Übertragung von Finanzdaten und/oder bargeldlosen Übertragung von Geldbeträgen
EP2369543A1 (fr) 2010-02-26 2011-09-28 Deutsche Telekom AG Appareil électronique mobile doté d'une fonction d'authentification destinée à l'utilisation de services basés sur la transaction et système le comprenant
DE102011077779A1 (de) 2011-06-17 2012-12-20 Deutsche Telekom Ag Verfahren und System für den bargeldlosen Zahlungsverkehr
DE102012214744A1 (de) * 2012-08-20 2014-02-20 Tobias Pfütze Verfahren und System zur Durchführung einer Finanz-Transaktion
EP3369060A1 (fr) * 2015-10-29 2018-09-05 Qibixx AG Procédé et système de traitement des paiements
DE102018105757A1 (de) * 2017-06-27 2018-12-27 Rubean AG Datenübertragungs- und –verarbeitungsanordnung und Datenübertragungs- und –verarbeitungsverfahren zur Bezahlung einer Ware oder Leistung

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002092497A (ja) * 2000-09-19 2002-03-29 Sanyo Electric Co Ltd 店舗用精算システム
EP1280115A2 (fr) * 2001-07-23 2003-01-29 NTT DoCoMo, Inc. Méthode, système et dispositifs pour le paiement électronique
US20070022058A1 (en) * 2002-08-08 2007-01-25 Fujitsu Limited Wireless computer wallet for physical point of sale (POS) transactions

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002092497A (ja) * 2000-09-19 2002-03-29 Sanyo Electric Co Ltd 店舗用精算システム
EP1280115A2 (fr) * 2001-07-23 2003-01-29 NTT DoCoMo, Inc. Méthode, système et dispositifs pour le paiement électronique
US20070022058A1 (en) * 2002-08-08 2007-01-25 Fujitsu Limited Wireless computer wallet for physical point of sale (POS) transactions

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI559239B (zh) * 2011-06-24 2016-11-21 星球支付方案有限公司 分散式交易處理系統及方法

Also Published As

Publication number Publication date
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