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    • 专利摘要:
    The invention relates to a method, and an arrangement (A) for identifying a purchaser (1) and a retailer (2) and performing an economical transaction between the purchaser (1) and the retailer (2) at a point of sale (21), where the purchaser (1) has a mobile device (1 1), and where the point of sale (21) communicates with a transaction system (3). The transaction system (3) transfers funds (31) from the purchaser to the retailer according to given information from the purchaser and the retailer. The inventive method, and arrangement comprise the steps of; the mobile device (1 1) reading an identity of the point of sale (24) by means of a at least one of a camera, and a radio frequency receiver comprised in the mobile device (1 1), the mobile device (1 1), and point of sale generates and transmits messages comprising the identity of the point of sale (24) and the identity of the mobile device (14) through different channels of communication. Furthermore, the invention comprises computer program products conducting the software code needed for the invention to be carried out.
    公开号:SE1300499A1
    申请号:SE1300499
    申请日:2012-09-27
    公开日:2013-07-23
    发明作者:Peter Fredell；Mikael Signarsson；Bogdan Sauciu；Johan Kyllerman
    申请人:Seamless Payments Ab；
    IPC主号:
    专利说明:

    15 20 25 30 35 2 Near Field Communication (NFC). Many times these mobile devices are adapted for data communication via the Internet or a mobile telephone network, in which case the mobile device has a subscriber identity module (SIM card) through which both the device and the buyer can be identified. It is known that it is possible to use the possibility to read a SIM card, which is separated from the payment terminal by RFID or NFC and thereby gain access to information of the buyer's identity.
    Regardless of how the buyer identifies himself at the payment terminal, which is compared between the buyer and the dealer at the payment terminal and the necessary information is transferred from the payment terminal to the transaction system, whereby the transaction can be completed.
    Confirmation of the completed transaction is transferred from the transaction system to the payment terminal and the payment terminal provides a receipt to the buyer. It is a technical problem to identify both the buyer and the reseller at the payment terminal, whereby the necessary information to carry out the transfer of means of payment in a transaction system can be obtained in a safe and secure manner.
    The use of mobile devices is increasing and the need to use these devices to identify a buyer at a payment terminal. It is a financial investment to provide means for communication between a payment terminal and the mobile device belonging to a buyer. The increase in complex hardware for the payment terminal also means that increased support and service is required to ensure a safe and reliable use of the technology.
    It is therefore a problem to provide an opportunity to identify buyers through a mobile device at a payment terminal by using remote control communication between the mobile device and the payment terminal. Furthermore, it is a problem that the buyer must provide the payment terminal with secret information such as a personal identification code (PIN). Even if a cashier at the payment terminal cannot read such secret information, it is transmitted from the payment terminal (POS) and can be eavesdropped on or manipulated.
    Patent Application Document US 2008/222048 A1 (048 '), Higgins et al, US 2005/096011 A1 (011'), Youshida et al, EP 2 088 549 A1 (549 '), US 2005/102233 A1 (233'), Shu et al and US 2010/320266 A1 (266 '), White, broadly describe electronic payment systems that are inherently insecure due to the fact that a reseller and the buyer's device have direct communication with each other and therefore make visible PIN codes and identities for theft / eavesdropping. In the present invention in accordance with the solution below, the reseller and the buyer can only communicate via a transaction system that has used, for example, an encryption or private keys on its own devices. This solution is not previously described in the following application documents 048 ', 011', 549 ', 233' and 266 '. To carry out a complete payment with complete payment traceability and authentication, the solution comprises as presented below a payment center infrastructure for open key encryption (PKI) solution, where the communication is signed and the transaction server retains and stores the payment certificate, which is a problem not addressed in 048 ', 0112 5492 233', and 266 '. A PKI solution that includes hardware, software, people, policies and procedures necessary to create, manage, distribute, use, store and revoke digital certificates.
    Using an SMS as an identification mechanism as in 048 'is not safe.
    The present invention, which is described below as an improved solution by encrypting all communication from point to point, without directly connecting the buyer and the dealer, is described here. This eliminates the need for insecure and uncontrolled communication between MCD and MPD as 048 'indicates.
    The patent application document 011 'is a specific web-based application that includes a sales person as operator. This is not necessary in the present invention as described below, where input data to the network or operator monitoring is not necessary / impossible because the buyer as described below is present at or in front of the payment terminal. In the solution of the present invention, the reseller automatically sends an invoice to an invented transaction system and the buyer receives payment information as a receipt, without having to have visited a website online.
    Document 549 'is based on a Credit Card Clearing House (CCCH) while the solution of the present invention is not based on any specific CCCH and instead has a transaction server as a procedure, which communicates directly with a bank and / or a currency storage account.
    Application document 233 'uses a display to provide information from a vending machine. The present invention differs from its solution in that a sticker code identifies the payment terminal and transmits the information between the seller and the buyer through a transaction server. The mobile device described in 233 'also communicates with a sales server via URL and not directly with a transaction server, thus it only functions as a network redirector and not a trusted payment processor.
    Document 266 'describes a one-sided communication and does not solve the problem of providing information from the payment terminal through the transaction server, which means that it is difficult for a buyer to verify the amount and the bill corresponding to the correct cash register as described in 266' Figure 1, S221-S223 . In the present invention solution described below, wherein the mobile device is capable of receiving a digital receipt of the payment from the transaction service, which is transmitted and signed by the selling cash register.
    The documents 0482 011 ', 549', 233 ', and 266' rely solely on the cash register printing a receipt, which means that the buyer's details such as bank accounts, names and even their PIN codes are known / registered even if they are coded.
    Summary of the invention In order to solve one or more of the problems mentioned earlier and from the prior art as previously described, the present invention teaches that instead of the payment terminal reading the identity of the mobile device, it is understood that the mobile device instead reads the payment terminal by means in the form of camera / RF1D, radio frequency identification, and similar radio frequency receivers that the mobile device includes.
    Many of today's mobile devices are equipped with a camera / RFID and similar radio frequency receivers and / or radio frequency transmitters, which means that no special hardware modifications need to be performed on the mobile device or payment terminal.
    It is understood that the mobile device generates and transmits a message to the transaction system, the message including the identity of the payment terminal and the identity of the mobile device.
    In accordance with one embodiment, the present invention provides that the buyer is never identified by the payment terminal, i.e. a buyer is completely anonymous to the retailer who owns the payment terminal.
    The payment terminal generates and transmits a message, independent of time from a message transmitted by a buyer using his mobile device for a purchase against a transaction system in accordance with the present invention, the payment terminal message including the payment terminal's identity and the amount to be paid.
    The transaction system compares these messages through the identity of the payment terminal. This means that the comparison of the buyer and the payment terminal is not performed at the payment terminal, as is the case in other known systems, but through the transaction system, which is the only device known to the buyer.
    The transaction system generates and transmits messages to the mobile device as messages including the amount to be paid, received in a message from the POS.
    The buyer accepts the amount to be paid through the mobile device and the mobile device generates and transmits a message to the transaction system, which contains an accepted or negative answer regarding the transfer of means of payment from the buyer to the reseller according to the agreed amount to be paid.
    The transaction system has now received the requested information to complete the transaction and the transaction system performs the transfer of the accepted means of payment from the buyer to the reseller.
    Once the transaction has been completed, the transaction system generates and transmits a message to the payment terminal, which includes a confirmation of the transfer of payment / payment_. In this way, both the buyer and the dealer are identified and the transaction system can perform the transaction based on information received from both the buyer and the reseller. safe and secure way.
    In one embodiment of the present invention, it is understood that the purchaser uses a personal code on the mobile device to accept the amount to be paid to increase security and prevent unauthorized persons from using the mobile device for financial transactions. In another embodiment, the identity of the payment terminal is represented by a marking / label, and the mobile device translates the marking / label into the identity of a payment terminal using appropriate software to perform this. Such a marking / label may be, for example, a bar code, a fast response code (QR) such as a 2D or 3D QR code, RF 1D, and similar codes, a data matrix or a vendor code such as a ShotCode, which is a bar code comprising dartboard-like circle with a bulls eye in the center and data circles around it. The technology for reading data bits from these data circles is accomplished by measuring the angles and distance from the bulls-eye. These are read by cameras found on a mobile phone, touch screen and similar devices.
    These codes can be easily produced and signposted at the payment terminal to be available for the buyer to use the camera on the mobile device to read the marking / label. In supermarkets or companies with several payment terminals, it will be cheap and easy to provide each payment terminal with an individual identity. Computer software required to read such markings and translate them into a comprehensible identification is readily available for most mobile devices with a camera.
    The payment terminal can be a physical payment terminal, in which case for example in a department store a supermarket, a restaurant, a hair salon or a petrol station where the payment terminal can be a stationary payment terminal or a mobile payment terminal such as a payment terminal belonging to a bus, a train, a boat, a 10 15 20 25 30 35 6 taxi, a sales representative in motion or a mobile payment terminal in a restaurant and the like.
    According to one embodiment, it is to be understood that it is possible for a personal device to function as a payment terminal and for two persons, the owner of the personal device, the reseller and the buyer using the presently invented method of the present invention to transfer / send means of payment from the buyer. to the owner of the personal device, wherein the personal device may be any personal device that the user of the personal device can use to access the transaction system such as a mobile phone, a mobile computer, touch screen, smart phone, a desktop computer or the like. .
    It is understood here that the payment terminal in one embodiment is a cash register and that the cash register generates messages and receives messages.
    By a physical payment terminal is meant that the payment terminal generates a receipt of the transaction for the buyer in one embodiment.
    The present invention can also be used for a payment terminal which is a virtual payment terminal such as an online store which is available on the internet. In this case, the current payment terminal may be a server belonging to the reseller, the server generating messages and receiving messages belonging to a purchase.
    When the payment terminal is physical, it is within reach of the buyer and only processes one purchase at a time. However, a virtual payment terminal such as an online Internet store allows several buyers to use the payment terminal at the same time. It is understood that when the payment terminal is virtual, that a unique identity is generated for the virtual payment terminal and a representation of the unique identity is displayed for each transaction.
    Regardless of whether the payment terminal produces a receipt or not, it is proposed that the transaction system can generate and transmit a message to the mobile device, the message including a confirmation of the transfer of means of payment.
    If the payment terminal is mobile, it is understood that the payment terminal communicates with the transaction system through means for wireless communication.
    It is understood here that the mobile device communicates with the transaction system through means for wireless communication.
    The present invention also relates to an arrangement comprising a mobile device, a payment terminal and a transaction system. The arrangement is adapted to identify a buyer and a reseller and to carry out a financial transaction between the buyer and the reseller, the payment terminal 10 15 20 25 30 35 7 belonging to the reseller and the mobile device belonging to the buyer. The payment terminal and the transaction system are adapted to communicate with each other and the transaction system is adapted to transfer means of payment from the buyer to the dealer in accordance with the information provided by the buyer and the dealer.
    The present invention also specifically teaches that the mobile device and the transaction system are adapted to communicate with each other and that the mobile device includes a camera and radio frequency communication capabilities. Furthermore, the mobile device is adapted to read the identity of the payment terminal by using its camera / radio receiver and generating and transmitting a message to the transaction system, the message including the identity of the payment terminal and the identity of the mobile device.
    The payment terminal is adapted to generate and transmit a message, independently, separated by the time from the message transmitted from the mobile device to the transaction system. This message includes the identity of the payment terminal and the amount to be paid.
    Furthermore, the transaction system is adapted to compare the two messages through the identity of the payment terminal and to generate and transmit another message to the mobile device, which includes the amount to be paid.
    The mobile device is adapted to receive an approval or a denial of the amount to be paid by the buyer, and to generate and transmit an additional message to the transaction system, the message including an approval or a denial of the transfer of the means of payment from the buyer to the reseller in in accordance with the approved amount to be paid.
    The transaction system is adapted to perform the transfer of the approved means of payment from the buyer to the reseller, and to generate and transmit an additional message to the payment terminal, which includes a confirmation of the transferred means of payment.
    It is possible for the buyer to accept the amount to be paid and the present invention proposes that such approval is that the mobile device is adapted to receive a personal code from the buyer so that the buyer can accept the amount to be paid.
    With the aim of providing means that are a cheap and innovative solution for identifying the payment terminal, it is understood that the identity of the payment terminal is represented by a marking / label, and that the mobile device is adapted to translate the marking / label into the identity of the payment terminal.
    A brand label can be of many different types such as a barcode, RFID, a quick response code, a data matrix or a vendor code such as a ShotCode. 10 15 20 25 30 35 8 As mentioned, a payment terminal can be either a physical or a virtual payment terminal.
    A physical payment terminal can be a stationary payment terminal such as a department store, a restaurant, a hair salon or a petrol station or a mobile payment terminal such as a payment terminal belonging to a bus, a train, a boat, a taxi, a moving sales representative or a mobile payment terminal. in a restaurant.
    It is understood here that an embodiment of the present invention teaches that a personal device is adapted to function as a payment terminal, the personal device and the mobile device being adapted to enable two persons, the owner of the personal device and the buyer, to transfer payment from the buyer to the owner of the personal device. The personal device can be any personal device whereby the owner of the personal device can access the transaction system such as a cellular phone, a mobile computer, iPad T ", touch screen, smart phone such as an iPhone TM, android phone or a desktop computer and the like.
    If the payment terminal is a traditional cash register, the cash register can be adapted to generate and receive messages.
    A virtual payment terminal can be hosted by a server related to the reseller and can, for example, be an online store available on the Internet, in which case the server can be adapted to generate messages and receive messages.
    To enable multiple buyers to interact simultaneously with a virtual payment terminal, it is understood that the server is adapted to generate a unique identity of the payment terminal for each transaction and display a representation of the identity of the virtual payment terminal.
    Regardless of the possibility for the buyer to receive a receipt from the payment terminal, it is understood that the transaction system can be adapted to transmit a message to the mobile device, the message comprising a confirmation of the means of payment.
    If the payment terminal is mobile, it is understood that the payment terminal is adapted to communicate with the transaction system through means for wireless communication.
    It is also understood that the mobile device is adapted to communicate with the transaction system through wireless communication means.
    The present invention also relates to a number of computer software products.
    Since the invented method and arrangement involves three devices, the mobile device, the payment terminal and the transaction system, three separate computer program products are needed to perform this invention.
    The present invention comprises a method adapted to identify a buyer and a dealer, wherein the buyer is present in front of the dealer's payment terminal and performs a secure electronic payment between the buyer and the dealer, the buyer having a mobile device comprising at least one of a camera / RFIDNVIFI, radio frequency receiver and / or radio frequency transmitters used to make a purchase. Thus, the invention includes: both the payment terminal and the buyer communicating with an account verification transaction system, the transaction system verifying the payment transfer from the buyer to the reseller by sending signals via different communication channels, the payment terminal communicating with at least one of a wired first channel and wired first channel. the mobile device communicating wirelessly via a second channel via radio, each individual purchase being given a unique identification reference through the transaction system, the mobile device being used by the buyer to identify the payment terminal by means of a camera / RFID and similar radio frequency receivers photographing or reading a marking placed at the payment terminal that uniquely identifies the individual payment terminal, generating at least one signed message through the mobile device and transmitting it to the trans the action system via the second channel, the message comprising the identity of the payment terminal and the identity of the mobile device generated by software processing of at least one of a photographed and read tag, it automatically generating at least one message by prompting via the payment terminal and transmitting the at least one message to the first channel, which is independently separated in time from the message transmitted from the mobile device to the transaction system on the second channel to the transaction system, at least one message comprising at least the identity of the payment terminal and the amount to be paid by the buyer, comparing the at least one message transmitted from the payment terminal through the first channel with the message transmitted from the mobile device through the second channel to determine similarity via the identity of the payment terminal, and whereby the buyer accepts sum to be paid by prompting the mobile device to transfer an authorization to the transaction system if the comparison 10 15 20 25 30 35 10 fulfills the identity of the payment terminal's identity transmitted via the first and second channels, whereby a buyer's data thus remains anonymous for the payment terminal, both the payment terminal's and the buyer's identity is known by the transaction system which completes the payment by withdrawing the payment from the buyer's account and crediting the account belonging to the payment terminal for the unique transaction reference assigned to an individual purchase. In one embodiment of the present invention, it is provided that the buyer uses a personal code on the mobile device to accept the amount to be paid. In another embodiment, the label is provided with at least one of a bar code, RFID, a fast response code, a data matrix, and a vendor-specific code.
    In another embodiment, it is provided that the payment terminal is stationary at a retailer.
    Furthermore, in one embodiment it is provided that the payment terminal is a mobile payment terminal provided on a bus, a train, a boat, a taxi used by a sales representative in motion or a mobile payment terminal in a restaurant.
    Yet another embodiment provides that a portable device functions as a payment terminal, and that two persons, the owner of the personal device and the buyer, who has a mobile device, use the devices to transfer means of payment from the buyer to the owner of the payment terminal device, the devices being devices having access to the transaction system, the payment terminal being at least one of a cellular phone, smartphone, laptop, iPad T ", touch screen, iPhoneT", android phone and a desktop computer and the like. In yet another embodiment, the payment terminal is a cash register and the cash register generates messages by prompting.
    Further, in one embodiment, the payment terminal generates a receipt for the buyer.
    Furthermore, in one embodiment it is achieved that the payment terminal is a virtual payment terminal.
    In yet another embodiment, it is provided that the payment terminal is an online store available on the Internet.
    Another embodiment includes that the payment terminal is a server belonging to the reseller and that the server generates at least one message to the transaction system and receives messages from the transaction system.
    Furthermore, the present invention comprises an arrangement adapted to identify a buyer and a dealer and carry out a secure electronic payment between the buyer, the buyer being on site at the dealer's payment terminal, the buyer having a mobile device comprising a camera / RF1DNVlF1 and the like. Radio frequency and / or radio frequency transmitters used to make a purchase.
    The present invention comprises an arrangement with: an account transaction system used to communicate with both the payment terminal and the buyer, which establishes the transfer of payment from the buyer to the reseller via the transmission of encrypted signals through various communication channels, the payment terminal first communicating and wireless first channel for communication, the mobile device communicating wirelessly via a second channel through radio frequency, means in the transaction system for providing each individual purchase with a unique transaction reference, the adapted mobile device being used by the buyer to identify the payment terminal by means of a camera / RFID and similar radio frequency receivers and / or transmitters that photograph / read a marking affixed to the payment terminal, which uniquely identifies the individual payment terminal, software adapted to the mobile device to generate and transmit at least one encrypted and signed message to the transaction system via the second channel, the message comprising the identity of the payment terminal and the identity of the mobile device generated by software processing of at least one of the photographed / read markings, promptas is adapted to generate at least one message via the payment terminal and to transmit at least one message on the first channel, which is independent, separated in time, from the message transmitted from the mobile device to the transaction system on the second channel to the transaction system, wherein at least one message includes at least the identity of the payment terminal and the amount to be paid by the buyer, comparison means in software for comparing through the transaction system at least one encrypted message transmitted from the payment terminal through the first channel, m ed at least one message transmitted from the mobile device via the other channel to determine similarity through the identity of the payment terminal, and acceptance bodies for acceptance, with which the buyer accepts the amount to be paid by prompting the mobile device to transmit to transaction systems an approval if the comparison meets similarity between the payment terminal's identity transmitted via the first and second channels, the buyer's information thus remaining anonymous for the payment terminal, but both the payment terminal's and the buyer's identity are known by the transaction system which establishes the payment by withdrawing payment from the buyer and credits the account associated with the payment terminal for the unique transaction identity.
    The present invention further comprises a computer program product comprising computer program code, which when executed by a mobile device allows the mobile device comprising a camera / RF1DAN1F1 and similar radio frequency receiver and / or transmitter to perform the steps of: reading an identity by software in the mobile device of an individual payment terminal via means for the camera / RFID and similar radio frequency receivers that take a photograph or read the identity, and transfer the identity to an account transaction transaction system. In one embodiment, a computer program product indicates suitable parts associated with the mobile device perform the method according to claims 1 to 13 by program code.
    Furthermore, the present invention comprises a computer software product comprising computer software code, which when executed by an individual payment terminal allows the payment terminal, wherein appropriate parts relating to the payment terminal perform the process steps of claims 1 to 13 via program code to perform the steps of transmitting its identity. perform the transfer, and transfer the identity to an account transaction transaction system.
    The present invention further provides a computer program product comprising computer program code, which when executed by an account transaction system allows the system to perform appropriate parts related to the transaction system of the method steps of appended claims 1 to 13 in program code by performing the steps: comparing and transmitting payment terminal, establishing the accounts of a purchase between a mobile device and a payment terminal, and transmitting messages to the payment terminal and the mobile device.
    It is to be understood that the appended dependent arrangement requirements of the present invention conform to the appended dependent method claims.
    Brief Description of the Drawings Furthermore, reference is made to the accompanying drawings throughout the present description in order to better understand the preferred embodiments of the present invention and the examples given, wherein: Fig. 1 is a schematic illustration of a method and arrangement of the present invention, Fig. 2 is a schematic illustration of a mobile device and a payment terminal, Fig. 3 is a schematic illustration of a personal device acting as a payment terminal, Fig. 4 is a schematic illustration of a virtual payment terminal, and Figs. 5 schematically illustrates the signal between a payment terminal and a buyer through a transaction system in accordance with the present invention.
    Detailed Description of Preferred Embodiments An advantage of a method, arrangement and computer software products of the present invention is that a secure transaction of payment means between a buyer and a reseller can be achieved within the current infrastructure for signaling from a payment terminal via an underlying backbone network, without any additional hardware . Mobile devices such as smart phones, cellular phones, or mobile computers are equipped with a camera and radio frequency receiver and / or transmitter, and a wireless online connection to various computer systems and that today's payment terminals are also equipped with a communication connection to some form of transaction system. The only physical or hardware change required is a visual identity of the payment terminal that can be read by the mobile device through its camera / RFID and similar radio frequency receiver, whereby an RFID tag can be passive or active, which can be printed and / or affixed to the payment terminal. at a low cost.
    Since the comparison between the buyer and the payment terminal is performed in the transaction system and not in the payment terminal, the payment terminal does not have to deal with any questions regarding the buyer's identity. This relieves the payment terminal of the problem of identifying the buyer and the buyer do not have to disclose any personal information to the dealer, which removes the risk of misuse of such personal information, which is an advantage not only in physical payment terminals, but also in virtual payment terminals. There are many problems with identifying a buyer, without compromising the buyer's privacy.
    Thus, the present invention can be implemented in all different forms of payment terminals, both mobile and stationary physical payment terminals and virtual payment terminals. The invention can also be implemented in such a way that the transfer of means of payment can take place between persons, whereby a person's personal device can act as a payment terminal and produce and display an identity, which is read by another person's mobile device, whereby the other person acts as a buyer. and the invention can be used between these persons to transfer means of payment from one person to the other. 10 15 20 25 30 35 14 It is also an advantage that the present invention can be used to introduce the possibility for new entrepreneurs to install a payment terminal with a simple computer that can communicate with a transaction system, which is an advantage for companies with small financial resources. The invention also opens up the possibility of financial transactions without having to handle money, which is an advantage in areas where crime is a problem.
    The present invention is now described with reference to Fig. 1, which illustrates a method for identifying a buyer 1 and a reseller 2. The buyer 1 is present at the payment terminal 21 and carries out a financial transaction / purchase between the buyer 1 and the reseller 2.
    The buyer 1 has a mobile device 11, which can be any where the buyer can access online communication with a transaction system 3, such as a smart phone, a personal digital assistant or a mobile computer. The payment terminal 21 can also communicate with the transaction system 3. The mobile device has a unique identity 14, which is connected to the owner of the mobile device, ie the buyer 1.
    This unique identity can be, for example, a telephone number or a subscription identity that appears on the SIM card belonging to the device.
    The transaction system 3 transfers means of payment 31 from an economic institution 13 used by the buyer 1 to an economic institution 23 used by the dealer 2 according to the information provided by the buyer 1 and the dealer 2. In this example, the buyer and the dealer use different financial institutions 13, 23 It should be understood, however, that Buyer 1 and Reseller 2 may use the same financial institution.
    Referring to Figs. 1 and 2, it is illustrated that the innovative method in one embodiment of the present invention comprises the following steps, wherein the mobile device 11 reads an identity 24 of the payment terminal 21 through means such as a camera / RFID and similar radio frequency receiver 111 included in the the mobile device 11. The mobile device may be a device that communicates via any type of radio frequency transmitter unit, such as cellular radio communication and W | F1 communication with a broadband system. In this case, a mobile device can be of the type with or without a SIM card, thus with WIF1 communication without a SIM card.
    Examples of such devices are such as a cellular telephone, a mobile computer, an iPad W, touch screen, iPhone T ", android phone or a desktop computer and the like.
    Furthermore, the mobile device 11 generates and transmits a message M1 to the transaction system 3, the message M1 comprising the identity 24 of the payment terminal 21 and the identity 14 of the mobile device. Hereinafter, the payment terminal generates and transmits a message M2, independently, separated in time from the message M1 to the transaction system 3, the message M2 including the identity 24 of the payment terminal 21 and the amount to be paid in the transaction.
    In this case, the transaction system 3 compares the message M1 with the message M2 through means for the identity 24 of the payment terminal 21. Furthermore, the transaction system 3 generates and transmits a message M3 to the mobile device 11, the message M3 including the amount to be paid 25.
    Finally, the buyer 1 accepts or denies the amount to be paid on the mobile device 11. Thus, the mobile device 11 generates and transmits a message M4 to the transaction system 3, the message M4 comprising accepting or denying the transfer of means of payment from the buyer to the reseller in in accordance with the agreed amount to be paid 25.
    Further, the transaction system 3 performs the transfer of the accepted payment means 31 from the buyer 1 to the retailer 2. Thereafter, the transaction system 3 generates and transmits a message M5 to the payment terminal 21, the message M5 including a confirmation 32 of the payment transfer 31.
    The messages M1, M2 are as described transmitted different in time from each other, which means that the invention is in no way dependent on whether the buyer generates or transmits the message M1 through means of the mobile device 11 before or after the payment terminal generates and transmits the message. M2.
    Methods for transferring means of payment from the account of the buyer 13 to the account of the dealer 23 through a transaction system 3 are well known to a person skilled in the art of the present invention, therefore this will not be described in further detail.
    It is understood that the buyer 1 uses a personal code on the mobile device 11 to accept the amount to be paid 25. the identity of the payment terminal 24 can be represented by a marking / label / RFID 24 'and that the mobile device 11 translates the marking / label 24' to the identity of the payment terminal 24.
    This marking / label 24 'may be a bar code, RF1D, a fast response code, a data matrix or a Supplier code such as a ShotCode.
    The payment terminal 21 may be a physical payment terminal such as a stationary payment terminal as in a department store, a supermarket, a restaurant, a hair salon or a gas station, or a mobile payment terminal belonging to a bus, a train, a boat, a taxi, a sales representative in motion or a mobile payment terminal at a restaurant or the like. According to an embodiment of the present invention illustrated in Fig. 3, it is understood that a personal device 11 'functions as a payment terminal 21' and that two persons, the owner of the personal device 2 'and the buyer 1 use the innovative the method for transferring means of payment from the buyer 1 to the owner 2 'of the personal device 11', the personal device 11 'being any personal device whereby the owner of the personal device 2' can access the transaction system 3 such as a cellular telephone, a mobile computer or a desktop computer.
    A traditional payment terminal 21 is a cash register 21a, which is illustrated in Fig. 2 and in one embodiment, the present invention being implemented for a cash register 21a, it is understood that the cash register 21a directly or indirectly generates the M2 message and receives the message M5.
    It is possible to generate a receipt 26 for the transaction to the buyer 2 from the payment terminal 21.
    Fig. 4 illustrates that the payment terminal can also be a virtual payment terminal such as an online store available on the Internet 4.
    In this case, the payment terminal 21 "is a server 26 belonging to the reseller 2 and it is generated from the server 26 in a terminal 16 belonging to the buyer 1. The server 26 generates the message M2 and receives the message M5.
    By a virtual payment terminal 21 "is meant that a unique identity of the payment terminal 21 'and a representation 24" of the unique identity is generated and displayed on the terminal 16 used by the buyer 1 in each transaction. Even if the payment terminal 21 confirms the transfer of means of payment with a receipt 26 or in some other way, it should be understood that the transaction system 3 can also generate and transmit a message M6 to the mobile device 11, the message M6 including a confirmation 32 of the payment transfer.
    By a mobile payment terminal is meant that the payment terminal 21 communicates with the transaction system 3 through means for wireless communication. The mobile device 11 also communicates with the transaction system 3 through means for wireless communication.
    With renewed reference to Fig. 1, an arrangement A according to the present invention is now described comprising a mobile breathing device 11, a payment terminal 21 and a transaction system 3.
    The innovative arrangement A is adapted to identify a buyer 1 and a dealer 2 and to carry out a financial transaction between the buyer 1 and the dealer 2, the payment terminal 21 belonging to the dealer 2 and the mobile device 11 belonging to the buyer 1. 10 20 25 30 35 17 The mobile device 11 has a unique identity 14, which is connected to the owner of the mobile device, who is the buyer 1. This unique identity can be, for example, a telephone number or a subscription identity found on a SIM card belonging to the device.
    The payment terminal 21 and the transaction system 3 are adapted to communicate with each other and the transaction system 3 is adapted to transfer means of payment 31 from the buyer 1 to the dealer 2 or from an economic institution 13 belonging to the buyer 1 to an economic institution 23 belonging to the dealer 2 in accordance with the given the information from the buyer and dealer.
    Referring to Figs. 1 and 2, the present invention is depicted in one embodiment specifically teaching that the mobile device 11 and the transaction system 3 are adapted to communicate with each other, the mobile device 11 comprising a camera / RFID and similar radio frequency receivers and / or transmitter 111, and that the mobile device 11 is adapted to read an identity 24 'of the payment terminal 21 by means of camera 11RF1D and similar radio frequency receivers 111. Thus, the mobile device 11 is adapted to generate and transmit a message M1 to the transaction system 3. , the message M1 comprising an identity of the payment terminal 24 and the identity of the mobile device 14.
    Furthermore, the payment terminal 21 is adapted to generate and transmit a message M2, separated in time from the message M1 to the transaction system 3, the message M2 including the identity of the payment terminal 24 and the amount to be paid 25. The transaction system 3 is adapted to compare M1 with the message M2 through the identity of the payment terminal 24 and the transaction system 3 is also adapted to generate and transmit a message M3 to the mobile device 11, the message M3 comprising the amount to be paid 25.
    With respect to the mobile device 11, it is adapted to receive an acceptance or a denial of the amount to be paid by the buyer and the mobile device 11 is also adapted to generate and transmit a message M4 to the transaction system 3, the message M4 comprising a accepting or refusing 15 of the payment transfer from the buyer to the reseller in accordance with the approved amount to be paid 25.
    Further, the transaction system 3 is adapted to perform the transfer of approved means of payment / payment 31 from the buyer 1 to the reseller 2 and the transaction system 3 is further adapted to generate and transmit a message M5 to the payment terminal 21, the message M5 including a confirmation 32 of the payment transfer 31. 10 15 20 25 30 35 18 Bodies for transferring means of payment from the buyer's account to the reseller's account are located in the transaction system 3 and are well known to a person skilled in the art. Thus, they will not be described in more detail.
    The mobile device 11 is adapted to receive a personal code from the buyer 1 to enable the buyer to accept the amount to be paid 25. the identity of the payment terminal 24 may be represented by a marking / label / RFID 24 ', and the mobile device 11 is adapted to translate a mark / label 24 'into an identity of the payment terminal 24. The mark / label 24' may be a bar code, a fast response code, a data matrix, RFID marking or a supplier code such as a ShotCode.
    The payment terminal 21 may be a physical payment terminal in which case it may be a stationary payment terminal such as at a department store, a restaurant, a hair salon or a petrol station or a mobile payment terminal such as a payment terminal belonging to a bus, a train, a boat, a taxi, a sales representative in motion or a mobile payment terminal at a restaurant and the like.
    Referring to Fig. 3, a schematic implementation of the present invention is illustrated, wherein the personal device 11 'is adapted to function as a payment terminal 21, and wherein the personal device 11' and the mobile device 11 are adapted to enable two persons, the owner 2 'of the personal device 11' and the buyer 1, to transfer means of payment from 1 to the owner 2 'of the personal device 11'. The personal device 11 'can be any personal device whereby the owner 2' of the personal device can access the transaction system 3 such as a cellular telephone, a mobile computer, an iPad f ", touch screen, iPhone m, android phone or a desktop computer and similar.
    The payment terminal 21 can also be a cash register, as Fig. 2 illustrates, in which case the cash register can be adapted to generate the message M2 and receive the message M5.
    In addition, the payment terminal 21 can be adapted to generate a receipt 26 of the transaction to the buyer 1.
    Fig. 4 illustrates that the payment terminal 21 "can also be a virtual payment terminal hosted by a server 26 belonging to the reseller 2, in which the payment terminal 21" is an online store available on the Internet 4 and displayed to the buyer on a terminal 16 used by the buyer.
    This server 26 can be adapted to generate the message M2 and receive the message M5. The server 26 can also be customized to generate a unique identity of the payment terminal 21 "and a representation 24" of the unique identity and to display a representation of the identity 24 "of the virtual payment terminal 21" for each transaction.
    Regardless of whether the payment terminal 21 provides a receipt 26 to the buyer 1 or not, it should be understood that the transaction system 3 can be adapted to transmit a message M6 to the mobile device 11, the message M6 comprising a confirmation 32 of the payment transfer 31.
    If the payment terminal 21 is a mobile device, it should be understood that it is adapted to communicate with 3 through means for wireless communication.
    In summary, in one embodiment of the present invention, there is provided a method and arrangement for identifying a buyer 1 and a reseller 2, and making a secure electronic payment between the buyer 1 and the reseller 2, the buyer being present at the reseller 2's payment terminal.
    Present at a payment terminal is interpreted as either a physical POS or a virtual one such as a website on the Internet as previously mentioned. With the term payment, any transfer of payment between two parties is conceivable, such as goods, services, between peers (P2P) and the like. In this case, the buyer 1 has a mobile device 11 comprising a camera / RF1DAN1F1 and similar radio frequency receivers and / or transmitters, which are used to carry out a purchase. The invention thus comprises that both the payment terminal 21, 24 and the buyer 1 communicate with an account verification transaction system 3. The transaction system 3 allows the transfer of the payment from the buyer 1 to the reseller 2 via transmitted signals through different communication channels. The payment terminal 21, 24 communicates through at least one of a wired first channel and a wireless first communication channel and the mobile device communicates via a second cellular radio channel. Each individual purchase is made with a unique transaction reference through the transaction system.
    The mobile device 11 is used by the buyer 1 to identify the payment terminal 21, 24 by means of the camera / RFID and similar radio frequency receivers which photograph / read a mark placed on the payment terminal, which uniquely identifies the individual payment terminal 21, 24.
    Thereafter, a message is generated by the mobile device 11 which transmits a signed message to the transaction system through the second channel. The message includes the identity of the payment terminal 21, 24 and the identity of the mobile device 11 by software processing of the photograph / read mark.
    Automatically by being prompted through the payment terminal 21, 24, at least one message is generated and transmits at least that message on the first channel, independently separated in time from the message from the mobile device to the transaction system on the second channel, to the transaction system. The at least one message includes at least the identity of the payment terminal and the amount to be paid by the buyer. Automatic prompting means, for example, that a cashier at a POS must initiate the automatic transmission of a message, ie by pressing a specific button or the like when the buyer has completed a purchase.
    An account verification transaction system 3 compares through the transaction system the at least one message transmitted from the payment terminal through the first channel with the message transmitted from the mobile device through the second channel to determine similarity through the identity of the payment terminal. In this context, account verification means that the transaction system 3 does not rely on a conventional credit card issuer, but that the transaction system 3 in the present invention includes all account information about the buyer and reseller within the system.
    In addition, the buyer must accept the amount to be paid by prompting the mobile device to transmit an acknowledgment of whether the comparison satisfies the similarity between the payment terminal's identity transmitted via the first channel and the second channel. Thus, the buyer's information remains anonymous for the payment terminal, but both the payment terminal's and the buyer's identity is known by the transaction system 3, which completes the payment by withdrawing the payment from the buyer and crediting the account belonging to the payment terminal for a purchase through the unique transaction reference.
    It is understood that messages like M1 to M6 in one embodiment may be encrypted and signaled through the first channel and the second channel in accordance with the description above, with signals from the payment terminal being transmitted on the first channel and signals from the mobile device on the second channel. . It should also be understood that the number of transfers from M1 to M6 are only examples of how a communication to and from an account transaction transaction system can be performed.
    Fig. 5 schematically illustrates the signaling between a payment terminal and a buyer through a transaction system in accordance with the present invention. Fig. 5 is self-describing to one skilled in the art within the present invention. However, it illustrates how important information in a secure transaction is compared and transmitted by the transaction server 3 between the payment terminal 21, 24 and the mobile device 11.
    The present invention further provides a computer program product comprising a computer program product code which, when executed by a mobile device, enables the mobile device comprising a camera / RFID / W | Fl and similar radio frequency receivers and / or transmitters to perform the following steps of reading an identity. through software in the mobile device at an individual payment terminal through means of the camera / RFID and similar radio frequency receivers that take a photo of / read the identity. In one embodiment, the computer program product shows that suitable parts of the mobile device carrying out the method relate to the appended claims 1 to 13 in program code.
    Furthermore, the present invention provides a computer program product comprising computer program product code, which when executed by a single payment terminal enables the payment terminal, the appropriate parts relating to the payment terminal performing the procedure steps in claims 1 to 13i of program code.
    It is to perform the steps of transferring one's identity by being prompted to perform the transfer. the identity is transferred to an account transaction transaction system 3 for comparison with a message transmitted separated in time from the mobile device, which includes the identity of the payment terminal to complete a purchase if both identities are equal.
    Furthermore, the present invention provides a computer program product comprising a computer program code, which when executed by an account verification transaction system 3 enables the system 3 to perform appropriate parts relating to the transaction system in the method steps of the appended claims 1 to 13 in program code, the steps being performed by comparing the identities transferred from a mobile device to a payment terminal and complete the accounts in a purchase between a mobile device and a payment terminal. In this case, the messages are transmitted to the payment terminal and the mobile device.
    In the accompanying drawings, the various computer program products 5, 6, 7 are illustrated as being executable within a unit and stored in a memory area of that unit.
    It should be understood, however, that computer software products 5, 6, 7 may also be stored in any of the computer readable media, capable or non-volatile, to make it available for commercialization and distribution. In all communications described above, it is contemplated that the various generated and transmitted messages include specific information, it being understood that these messages may include additional information not specified herein, the information required to protect the communication or other information that may be required for to identify the buyer and / or reseller in the transaction system in order to perform the payment transfer.
    It is to be understood that the present invention is not limited by the foregoing description and the illustrated exemplary embodiments herein, and that modifications may be made within the scope of the invention as defined in the appended claims.
    权利要求:
    Claims (22)
    [1]
    A method adapted to identify a buyer (1) and a dealer (2), the buyer being present in front of the dealer's (2) payment terminal (21, 24), and making a secure electronic payment between the buyer (1) and the dealer (2). ), wherein the buyer (1) has a mobile device (11) comprising at least one of a camera, radio frequency receiver and radio frequency transmitter used to carry out a purchase, characterized in that it comprises: both that the payment terminal (21, 24) and that the buyer communicates with an account transaction system (3), the transaction system (3) completing the payment transfer from the buyer (1) to the reseller (2) by sending signals via different communication channels, the payment terminal communicating with at least one of a wired first channel and a wireless first channel for communication , and wherein the mobile device communicates wirelessly via a second channel through radio frequency, each single For purchase, a unique identification reference is provided by the transaction system, the mobile device (11) being used by the buyer (1) to identify the payment terminal (3) through at least one of a camera photograph and a radio frequency receiver reading a mark (24 ') located at the payment terminal ( 3) which uniquely identifies the individual payment terminal, generates at least one signed message through the mobile device (11) and transmits at least one signed message to the transaction system (3) via the second channel, the message including the identity of the payment terminal (21, 24) and the identity of the mobile device (11) obtained by software processing of at least one of a photographed and read mark (24 '), it automatically generating at least one message by prompting via the payment terminal (21, 24) and transmitting at least one message on the first channel, which is independently separated in time from the message transmitted from the mobile device to the transaction system (3) on the second channel to the transaction system (3), the at least one message comprising at least the identity of the payment terminal and the amount to be paid by the buyer (1), comparing at least one message which transmitted from the payment terminal (21, 24) via the first channel with the message transmitted from the mobile device (11) through the second channel to determine similarity via the identity of the payment terminal (21, 24), and wherein the buyer (1) accepts the amount to be paid by prompting the mobile device to transfer an approval to the transaction system if the comparison fulfills the identity of the payment terminal (21, 24) transmitted via the first and second channels, thus keeping a buyer's information anonymous for the payment terminal (21, 24), but where both the payment terminal's (21, 24) and the buyer's (1) id entity is known by the transaction system (3), which completes the payment by withdrawing the payment from the buyer (1) and crediting the account belonging to the payment terminal (3) for the unique transaction reference that has been assigned to an individual purchase.
    [2]
    The method of claim 1, wherein the buyer (1) uses a personal code on the mobile device (11) to accept the amount to be paid.
    [3]
    The method of claim 1, wherein the tag (24 ') is at least one of a bar code, a fast response code, a data matrix, RFID tag, and a vendor-specific code.
    [4]
    A method according to claim 1, wherein a portable device functions as a payment terminal (21, 24), and two people, the owner of the personal device and the buyer having the mobile device (11), use the device to transfer payment means from the buyer. to the owner of the payment terminal device, the devices being devices having access to the transaction system, the payment terminal (21, 24) being at least one of a cellular telephone, smartphone, laptop, touch screen, and a desktop computer.
    [5]
    The method of claim 1, wherein the payment terminal is a cash register and the cash register generates messages by prompting.
    [6]
    The method of claim 1, wherein the payment terminal generates a receipt (32) for the buyer.
    [7]
    The method of claim 1, wherein the payment terminal is a virtual payment terminal.
    [8]
    The method of claim 1, wherein the payment terminal is an online store available on the Internet.
    [9]
    A method according to claim 1, wherein the payment terminal is a server belonging to the reseller (2) and that the server generates at least one message to the transaction system (3) and receives messages from the transaction system (3).
    [10]
    An arrangement (A) adapted to identify a buyer (1) and a dealer (2), wherein the buyer is present in front of the dealer's (2) payment terminal and performs a secure electronic payment between the buyer (1) and the dealer (2), the buyer having a mobile device (11) comprising at least one of a camera, radio frequency receiver, and a radio frequency transmitter used to make a purchase, characterized by comprising: an account verification transaction system (3) used to communicating with both the payment terminal (21, 24) and the buyer (1), which completes the transfer of payment from the buyer (1) to the dealer (2) via the transmission of signals through different communication channels, the payment terminal (21, 24) communicating via at least one of a wired first channel and a wireless first channel for communication, the mobile device (11) communicating wirelessly via a second channel through radio, means in the transaction system adapted to provide each individual purchase with a unique transaction reference, the adapted mobile device (11) being used by the buyer (1) to identify the payment terminal (21, 24) by means of at least one of a camera photographing, and a radio frequency receiver which reads a mark (24 ') located at the payment terminal (21, 24), which uniquely identifies the individual payment terminal, a software adapted to generate and transmit at least one signed message to the transaction system (3) via the mobile device (11) via the the second channel, the message comprising the identity of the payment terminal and the identity of the mobile device generated by software processing at least one of the photographed and read markings (24 '), it being automatically adapted by prompt to generate via the payment terminal (21, 24) at least one message and to transmit at least one message on the first channel independently separated in time from the message transmitted from the mobile device to the transaction system on the second channel to the transaction system (3), wherein at least one message comprises at least the identity of the payment terminal (21, 24) and the amount to be paid by the buyer ( 1), comparison means in software adapted to compare through the transaction system (3) at least one encrypted message transmitted from the payment terminal (21, 24) through the first channel with at least one message transmitted from the mobile device (11) via the second channel to determine similarity through the identity of the payment terminal (21, 24), and means for accepting by which the buyer (1) accepts the amount to be paid by prompting the mobile device (11), to transfer to transaction system (3) an approval if the comparison satisfies similarity between the identity of the payment terminal (21, 24) transmitted via the first and second can the buyer's (1) information thus remains anonymous for the payment terminal, but both the payment terminal's and the buyer's identity is known by the transaction system (3) completes the payment by withdrawing payment from the buyer (1) and crediting the account belonging to the payment terminal (21, 24) for the unique transaction reference provided for an individual purchase.
    [11]
    An arrangement according to claim 10, wherein the buyer (1) uses a personal code entered on the mobile device (11) to accept the amount to be paid.
    [12]
    The arrangement of claim 10, wherein the tag (24 ') is at least one of a bar code, a fast response code, a data matrix, RFID tag, and a vendor-specific code.
    [13]
    Arrangement according to claim 10, wherein a portable device is adapted to function as a payment terminal (21, 24), and that two persons, the owner of the personal device and the buyer (1) who has a mobile device (11), use the devices (11) for transferring means of payment from the buyer (1) to the owner of the payment terminal device (21, 24), the devices being devices having access to the transaction system (3), the payment terminal being at least one of a cellular telephone, smartphone, laptop, touch screen , and a desktop computer.
    [14]
    The arrangement of claim 10, wherein the payment terminal is a cash register and the cash register is adapted to generate messages by prompting it.
    [15]
    The arrangement of claim 10, wherein the payment terminal is adapted to generate a receipt (32) for the buyer.
    [16]
    The arrangement of claim 10, wherein the payment terminal is a virtual payment terminal.
    [17]
    The arrangement of claim 10, wherein the payment terminal is an online store available on the Internet.
    [18]
    Arrangement according to claim 10, wherein the payment terminal is a server belonging to the reseller and that the server is adapted to generate at least one message to the transaction system (3) and to receive messages from the transaction system.
    [19]
    A computer program product comprising computer program code, which when executed by a mobile device (11) allows the mobile device comprising at least one of a camera, and a radio frequency receiver to perform the steps of: reading an identity by software in the mobile device of a individual payment terminal via at least one of a camera taking a photograph, and a radio frequency receiver reading the identity.
    [20]
    A computer program product according to claim 19, wherein appropriate parts relating to the mobile device (11) perform the method according to claims 1 to 13 by program code. 10 26
    [21]
    A computer program product comprising computer program code, which when executed by an individual payment terminal (21, 24) allows the payment terminal, wherein appropriate parts relating to the payment terminal perform the method steps of claims 1 to 13 in program code to perform the steps: transmitting its identity by prompting to perform the transfer, and transfer the identity to an account transaction transaction system (3), and expect a payment confirmation or denial.
    [22]
    A computer program product comprising computer program code, which when executed by an account transaction transaction system (3) allows the system to perform appropriate parts of the procedure steps of claims 1 to 13 in program code to perform the steps: compare the identities transferred from a mobile device and a payment terminal, complete the accounts of a purchase between a mobile device and a payment terminal, and transmission of messages to the payment terminal and the mobile device
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