CH715481A2 - Method and system for activating a portable contactless payment object. - Google Patents

Abstract

The invention relates to a method for activating a portable object (2) for contactless payment of the timepiece or jewelry type capable of participating in the realization of an electronic payment by tokenization, the method comprising the steps following: obtaining a payment token (9) by an electronic device (3), in particular mobile, from a server of a trusted third party (4) token payment service provider, and configuration of the portable object (2) in view of its use providing for a transmission of said token (9) included in the electronic device (3) to said portable object (2) via an activation terminal (5).

Description

Field of the invention

The invention relates to a method of activating a portable object of contactless payment of the timepiece or piece of jewelry type capable of participating in the realization of an electronic payment by tokenization as well as on a system. implementing such a method.

The invention also relates to the portable object as well as to an activation terminal which are able to be implemented in this system.

The invention also relates to a computer program comprising program code instructions for the execution of steps of this method.

Invention background

With the growing development of the digital economy, the share of credit card payment transactions has increased sharply in recent years. In this context, significant improvements in the security of these bank cards have been made, but credit card fraud still exists.

In order to overcome this drawback, new payment methods then appeared, in particular by proposing a “tokenization” payment process. In this new process, the bank data of a potential buyer are then replaced by disposable data. called “token” which are hosted in a mobile payment application on a payment medium such as a smartphone. The buyer thus has a token in this smartphone that he can use for near field payment using NFC technology ("Near Field Communication", in English).

However, one of the major drawbacks of this process lies in its implementation which requires many long and complex operations to activate the payment medium.

Summary of the invention

The object of the present invention is to overcome all or part of the drawbacks mentioned above by proposing an activation of the simple and rapid payment medium.

To this end, the invention relates to a method of activating a portable contactless payment object of the timepiece or jewelry type capable of participating in the realization of an electronic payment by tokenization, the process comprising the following steps: obtaining a payment token by an electronic device, in particular a mobile device, from a server of a trusted third party providing a token payment service, and configuration of the portable object for its use providing for a transmission of said token included in the electronic device to said portable object via an activation terminal. In other embodiments: the obtaining step comprises a sub-step of digitizing by the electronic device a first graphic representation included on an activation terminal said first graphic representation comprising a matrix code; the obtaining step comprises a sub-step of decoding the matrix code with a view to obtaining sequences of binary information comprising data relating to a location of a digital configuration file of the electronic device; the obtaining step comprises a sub-step of generation by the electronic device configured by the digital file of a request for obtaining this payment token comprising data for developing said token comprising at least one bank data; the obtaining step comprises a sub-step of transmission by the server of the trusted third party to the electronic device of a payment token; the step of configuring the portable payment object comprises a sub-step of arranging this portable object on a data transmission zone defined on / in the activation terminal; the step of configuring the portable object comprises a sub-step of digitizing by the electronic device a second graphical representation included on the activation terminal, said graphical representation comprising a matrix code, and the step of configuring the portable object comprises a sub-step of decoding the matrix code with a view to obtaining sequences of binary information comprising data relating to a configuration of a communication link between this electronic device and the activation terminal.

The invention also relates to a system for activating a portable contactless payment object of the timepiece or piece of jewelry type capable of participating in the realization of an electronic payment by tokenization, the system comprising the following elements capable of communicating with each other: an electronic device, in particular a mobile device, a server of a trusted third party, token payment service provider, and an activation terminal.

Advantageously, the activation terminal comprises first and second graphic representations each comprising a matrix code.

In particular, the activation terminal includes a data transmission area.

The invention also relates to a portable contactless payment object of the timepiece or piece of jewelry type capable of being implemented in such a system.

The invention further relates to an activation terminal capable of being implemented in such a system.

The invention also relates to a computer program comprising program code instructions for the execution of the steps of this method, when said computer program is executed by the server processing module, the unit for processing the electronic device and the contactless proximity communication module of the portable object.

Brief description of the drawings

Other features and advantages will emerge clearly from the description which is given below, for information and in no way limitative, with reference to the appended figures, in which: FIG. 1 is a schematic representation of an activation system of a portable contactless payment object of the timepiece or jewelry piece type capable of participating in the realization of an electronic payment by tokenization, according to the mode of realization of the invention, and FIG. 2 is a flow diagram relating to a method for activating the portable contactless payment object capable of participating in the realization of electronic payment by tokenization, according to the embodiment of the invention.

Detailed description of preferred embodiments

In Figure 1 is shown an activation system 1 of a portable object 2 of contactless payment. Such a system 1 makes it possible to configure the portable object 2 so that it participates in the realization of an electronic payment by tokenization during a transaction carried out between a merchant / trader and the bearer of this portable object 2.

Electronic payment by tokemization is in the field of electronic banking. In such a field, this tokenization is the process of replacing payment data such as bank data 12 (card number, etc.) with disposable data called "token 9" (token in English). This token 9 is also called "DAN" (for "Digital Account Number" meaning Digital Account Number). In other words, this process makes it possible to replace critical data by an equivalent element here the "token 9", which token 9 will have no intrinsic value or exploitable meaning once it has left the payment system. It is therefore understandable that tokenization is the process making it possible to replace critical data with an equivalent element which will have no intrinsic value or exploitable meaning once it has left the payment system.

Such a system 1 then comprises: the portable contactless payment object 2; an electronic device 3; a trusted third party server 4 token payment service provider 9; an activation terminal 5.

In this system 1, the portable object 2 of contactless payment is preferably a timepiece or a piece of jewelry. Such an object 2 comprises a contactless proximity communication module 6 performing certain security functions and very short distance communications of the “near field communication” type. This module can be an NFC proximity communication module 6 (for "Near Field Communication"). This module 6 comprises a communication antenna 7a in the near field and a microcircuit 7b connected to the antenna. The microcircuit 7b and the antenna 7a together form near-field communication means able to communicate with external equipment such as a contactless payment terminal or even the activation terminal 5. The microcircuit 7b comprises material resources and software in particular at least one processor cooperating with memory elements 8. In this portable object 2, the antenna 7a is formed for example by a plurality of electrically conductive turns and it delimits a useful surface for receiving a magnetic field.

In this portable object 2, the memory elements 8 are able to archive at least one payment token 9. This token 9 includes, in a non-exhaustive and non-limiting manner: a token identifier such as a token number; a token expiration date or token validity period; a geographic area of use of the token; a transaction cap; a cryptogram which can be a password, a personal code, or a digital biometric fingerprint.

As we will see below, each token 9 is generated by the server of a trusted third party 4 token payment service provider. This trusted third party otherwise called token service provider (in English Token Service Provider) manages the process of issuing and generating this token 9. This server 4 comprises a processing module 10 provided with hardware and software resources in particular at least a processor cooperating with memory elements as well as a database 11 comprising in particular tokens 9 generated which are each associated with bank data 12 of the carrier. Such bank data 12 include, without limitation and not being exhaustive: a number of the bearer's bank card, an expiration date of the card; personal data of the bearer: name, first name, address, etc. a bank account number; etc,

The server 4 also includes a communication unit 13 for receiving and transmitting data remotely via the cellular telephone network, an IP type data network via the telephone network or an IP type data network via a wired network Ethernet type.

As we have seen previously, the activation terminal 5 of this system 1 participates in the configuration of the portable object 2. This activation terminal 5 is a housing preferably having an essentially parallelepiped shape. Such an activation terminal 5 comprises first and second graphic representations 14a, 14b each comprising a matrix code. This matrix code may be a bar code in two or three dimensions. This matrix code can for example include a QR code or a datamatrix code. This matrix code comprises sequences of binary information which are coded / encrypted. In the first graphical representation 14a, the matrix code comprises sequences of binary information comprising data relating to a location of a digital configuration file of the electronic device 3. With regard to the second graphical representation, the matrix code comprises sequences binary information comprising data relating to a configuration of a communication link, in particular wireless, between this electronic device 3 and the activation terminal 5.

Such first and second graphic representations 14a, 14b are defined on a visible external face of this activation terminal 5. It is understood that this visible external face is provided so that the electronic device 3 can be arranged facing this external face so as to be able to capture these first and second graphic representations 14a, 14b as we will see later. The activation terminal 5 also includes a data transmission zone 16 in which the portable object 2 can be arranged or which is capable of receiving / supporting this said portable object 2.

Such an activation terminal 5 comprises two communication modules, first and second communication modules 15a, 15b. This first communication module 15a includes a contactless proximity communication unit performing certain security functions and very short distance communications of the “near field communication” type. This unit is able to exchange data bidirectionally with the communication module 6 of the portable object 2. This unit is an NFC proximity communication unit (for "Near Field Communication"). To do this, this unit includes a near-field communication antenna and a microcircuit connected to the antenna. The microcircuit comprises hardware and software resources, in particular at least one processor cooperating with memory elements. In this portable object 2, the antenna is formed for example by a plurality of electrically conductive turns and it delimits a useful surface for receiving a magnetic field.

The second communication module 15b includes a communication unit for receiving and transmitting data remotely via a wireless network such as WIFI or Bluetooth. This second module is capable of exchanging data bidirectionally with the electronic device 3.

In addition, it should be noted that the activation terminal 5 is connected to an external electrical power source or includes an electric accumulator.

The electronic device 3 is for example a computer, a smartphone, a smartphone, a tablet, or even an electronic terminal. Such an electronic device 3 is preferably mobile and / or portable and / or compact. This electronic device 3 includes, without limitation and / or not exhaustively: a processing unit 21 comprising hardware and software resources in particular at least one processor cooperating with memory elements; a screen type display module 17; an interface for broadcasting sound information such as a loudspeaker; a communication interface 18 allowing the electronic device 3 to establish a communication link with the activation terminal 5 and / or with the server of the trusted third party 4 for carrying out data exchange; a selection interface 19 such as a keyboard or even a touch interface included for example in the display module 17; a module 20 for capturing at least one image comprising in particular at least one image sensor otherwise called a matrix image sensor which may for example comprise sensors of CCD technology (charge transfer technology) or else of so-called technology CMOS.

In this electronic device 3, the processing unit 21 is connected inter alia to the display module 17, the broadcasting interface, the communication interface 18 and the selection interface 19. L communication interface 18 of this electronic device 3 comprises communication elements for receiving and transmitting data remotely via the cellular telephone network, an IP type data network via the telephone network or an IP type data network via a medium range network, for example WIFI or short range based on Bluetooth technology.

Each image sensor of the capture module 20 comprises a matrix of photosensitive image points (or pixels). This dot matrix is also called here "pixel matrix" and comprises NxM unit pixels with excellent light sensitivity. The capture module 20 also includes an analog-digital converter AN connected to the processing unit 21 of the electronic device 3.

Referring to Figure 2, this system 1 implements a method of activating the portable object 2 of contactless payment capable of participating in the realization of an electronic payment by tokenization.

This method comprises a step of obtaining 30 the payment token 9 by an electronic device 3 from the server of the trusted third party 4 token payment service provider 9. The step 30 comprises a digitization substep 31 by the electronic device 3 of the first graphical representation 14a included on the activation terminal 5, said graphical representation 14a comprising a matrix code. This sub-step 31 provides for an acquisition phase 32 of this first graphic representation 14a as soon as the electronic device 3 is arranged in the immediate vicinity of the activation terminal 5 so that the capture module 20 is disposed opposite this first graphic representation 14a. During this phase 32, the pixel matrix detects at least one image coming from the first graphic representation 14a and then generates analog signals relating to this image. The analog-digital converter of the capture module 20 then then converts these analog signals coming from this pixel matrix into digital signals which are then transmitted to the processing unit 21 of the electronic device 3.

Thereafter, this step 30 comprises a sub-step of decoding 33 of the matrix code with a view to obtaining sequences of binary information comprising data relating to a remote location of a digital configuration file of the electronic device 3. This sub-step 33 comprises a processing phase 34 of the digital signals relating to the graphical representation 14a acquired comprising the matrix code. During this phase 34, the processing unit 21 applies a decoding algorithm to said digital signals so as to obtain the sequences of binary information comprising data relating to a location of a digital configuration file of the electronic device 3. These binary information sequences preferably include a hyperlink.

Then, the obtaining step 30 comprises a substage of generation 35 by the electronic device 3 configured by the digital file of a request for obtaining this payment token 9 comprising data for developing said token 9 comprising at least one bank datum 12. As we have seen previously, a bank datum 12 notably comprises characteristics of a bank account and / or of a medium of a payment method of the bearer of the portable object 2. Such processing data include, without limitation and not being exhaustive: the number of the cardholder's bank card, the expiration date of the card.

Alternatively, these processing data may also include the bearer's personal data: name, first name, address, etc. and / or the bearer's bank account number.

This sub-step 35 includes a configuration phase 36 of the electronic device 3 during which the electronic file is executed by the processing unit 21 as soon as this digital file has been downloaded from a file server following execution by the processing unit 21 of the binary information sequences comprising the hypertext link. This configuration phase 36 thus makes it possible, by executing this digital file, to install a computer program (or a software application) which is then implemented by the processing unit 21 during a phase generation 37 of the request for obtaining this token 9. This generation phase 37 provides for the collection of at least one bank data from the holder of the portable object 2. The bank data 12 are then momentarily recorded in the processing unit 21 in particular from the selection 19 and display 17 interfaces of the electronic device 3, in anticipation of the generation of the obtaining request. The processing unit 21 then manages the request for obtaining this token 9 from said at least one collected bank data. Subsequently, this sub-step 35 includes a phase 38 of transmitting the request for obtaining said at least one bank data collected to the server of the trusted third party 4 token payment service provider. During this phase 38, said at least one collected bank data included in the request can be encrypted and / or the request can be sent to this server 4 via a secure network. It will be noted that this request for obtaining can be transmitted directly or indirectly to the server of the trusted third party 4. When this transmission is carried out indirectly, the request is then transmitted to this server 4 via a technical platform acting as a tokenization service otherwise known in English as “token requestor” and which can then take care of conveying the token request 9.

This obtaining step 30 further comprises a transmission sub-step 39 by the server of the trusted third party 4 to the electronic device 3 of a payment token 9. This sub-step 39 includes a generation phase 40 of the payment token 9 from said at least one bank data received by this server 4. During this phase 40, the processing module 10 of the server 4 then generates the payment token 9 derived from said at least one bank data . Such a phase 40 can provide for the implementation of tools for random generation of this token 9 such as algorithms. In a variant, the generation of this token 9 can be carried out from the banking data or data 12 and from a diversifier representing an authorization for a payment transaction with usage restriction criteria determined by the server 4, by example a validity for one or more bank transactions, a temporal validity, a validity for a transaction ceiling.

The method also includes a step 41 of configuring the portable object 2 for its use providing for transmission of said token 9 included in the electronic device 3 to said portable object 2 via the activation terminal 5. This step 41 includes a sub-step of arrangement 42 of the portable object 2 on / in the data transmission zone 16 defined on / in the activation terminal 5. During this sub-step 42, the portable object 2 is arranged on / in this zone 16 so as to guarantee an optimal data exchange between the contactless proximity communication module 6 of the portable object 2 and the first communication module 15a of the activation terminal 5 .

Thereafter, the configuration step 41 comprises a digitizing sub-step 43 by the electronic device 3 of a second graphic representation 14b included on the activation terminal 5, said graphic representation 14b comprising a matrix code . This sub-step 43 provides for an acquisition phase 44 of this second graphic representation 14b as soon as the electronic device 3 is arranged in the immediate vicinity of the activation terminal 5 so that this capture module 20 is disposed next to this second graphic representation. During this phase 44, the pixel matrix detects at least one image coming from this second graphic representation 14b and then generates analog signals relating to this image. The analog-digital converter of the capture module 20 then then converts these analog signals coming from this pixel matrix into digital signals which are then transmitted to the processing unit 21 of the electronic device 3.

Then, the configuration step 41 includes a sub-step of decoding 45 of the matrix code in order to obtain sequences of binary information comprising data relating to a configuration of a communication link between this electronic device and the activation terminal 5. This sub-step 45 comprises a processing phase 46 of the digital signals relating to the second graphical representation 14b acquired comprising the matrix code. During this phase 46, the processing unit 21 applies a decoding algorithm to said digital signals so as to obtain the sequences of binary information comprising data relating to the configuration of a communication link between this electronic device 3 and the activation terminal 5.

Then, the obtaining step 41 comprises a substage of establishing 47 of a communication link between the electronic device 3 and the activation terminal 5. During this substep 47, the processing unit 21 sets the communication interface 18 of this electronic device 3 for the configuration of the communication link between the communication interface 18 and the second communication module 15b of the activation terminal 5.

Subsequently, during a configuration sub-step 48 of the portable object 2 in anticipation of its use for carrying out a payment transaction, the processing unit 21 of the electronic device 3 transmits to the second communication module 15b of the activation terminal 5 via its communication interface 18, the token 9 generated by the server of the trusted third party 4. This token 9 is then transmitted by the first communication module of the activation terminal 5 to the portable object 2 via the contactless proximity communication module 6 of this object 2.

By being thus activated, the portable object 2 can then participate in the realization of an electronic payment by tokenization during a transaction established between a merchant / trader and the bearer of this portable object 2.

The invention also relates to a computer program comprising program code instructions for the execution of steps of the method described above when said computer program is executed by the processing module 10 of the server. 4, the processing unit 21 of the electronic device 3 and the contactless proximity communication module 6 of the portable object 2.

Of course, the present invention is not limited to the example illustrated but is susceptible to various variants and modifications which will appear to those skilled in the art.

Claims (14)

1. Method for activating a portable object (2) for contactless payment of the timepiece or jewelry item type capable of participating in the realization of an electronic payment by tokenization, the method comprising the following steps: - obtaining (30) a payment token (9) by an electronic device (3), in particular mobile, originating from a server of a trusted third party (4) token payment service provider, and - Configuration (41) of the portable object (2) for its use providing for transmission of said token (9) included in the electronic device (3) to said portable object (2) via a terminal d 'activation (5). 2. Method according to the preceding claim, characterized in that the obtaining step (30) comprises a digitizing sub-step (31) by the electronic device (3) of a first graphic representation (14a) included on a activation terminal said first graphic representation (14a) comprising a matrix code. 3. Method according to the preceding claim, characterized in that the obtaining step (30) comprises a sub-step of decoding (33) of the matrix code with a view to obtaining sequences of binary information comprising data relating to a location of a digital configuration file of the electronic device (3). 4. Method according to the preceding claim, characterized in that the obtaining step (30) comprises a generation sub-step (35) by the electronic device (3) configured by the digital file of a request for obtaining of this payment token (9) comprising data for developing said token (9) comprising at least one bank data (12). 5. Method according to the preceding claim, characterized in that the obtaining step (30) comprises a substep of transmission (39) by the server of the trusted third party (4) to the electronic device (3) of a payment token (9). 6. Method according to any one of the preceding claims, characterized in that the configuration step (41) of the portable object (2) for payment comprises a sub-step of arrangement (42) of this portable object ( 2) on a data transmission area (16) defined on / in the activation terminal (5). 7. Method according to any one of the preceding claims, characterized in that the configuration step (41) of the portable object (2) comprises a digitizing substep (43) by the electronic device (3) d a second graphical representation (14b) included on the activation terminal (5), said graphical representation (14b) comprising a matrix code. 8. Method according to the preceding claim, characterized in that the configuration step (41) of the portable object (2) comprises a sub-step of decoding (45) of the matrix code in order to obtain sequences of binary information comprising data relating to a configuration of a communication link between this electronic device (3) and the activation terminal (5). 9. Activation system (1) of a portable object (2) of contactless payment of the timepiece or jewelry type capable of participating in the realization of an electronic payment by tokenization, the system (1) comprising the following elements capable of communicating with each other: an electronic device (3), in particular a mobile device, a server of a trusted third party (4) token payment service provider (9) and an activation terminal (5) . 10. System (1) according to the preceding claim, characterized in that the activation terminal (5) comprises first and second graphic representations (14a, 14b) each comprising a matrix code. 11. System (1) according to any one of claims 9 and 10, characterized in that the activation terminal (5) comprises a data transmission area (16). 12. Portable object (2) for contactless payment of the timepiece or jewelry piece type capable of being implemented in a system (1) according to any one of claims 9 to 11. 13. Activation terminal (5) capable of being implemented in a system (1) according to any one of claims 9 to 11 14. Computer program comprising program code instructions for the execution of the steps of the method according to any one of claims 1 to 8, when said computer program is executed by the processing module (10) of the server. (4), the processing unit (21) of the electronic device (3) and the contactless proximity communication module (6) of the portable object (2).