GB2526518A - Dual proximity mode transaction terminal and a mobile transaction system using the same - Google Patents

Dual proximity mode transaction terminal and a mobile transaction system using the same Download PDF

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Publication number
GB2526518A
GB2526518A GB1405818.4A GB201405818A GB2526518A GB 2526518 A GB2526518 A GB 2526518A GB 201405818 A GB201405818 A GB 201405818A GB 2526518 A GB2526518 A GB 2526518A
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Prior art keywords
transaction
mobile
message
transaction terminal
mobile communicator
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GB1405818.4A
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GB201405818D0 (en
GB2526518B (en
Inventor
Vivian Kit Ying Ng
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KISSCO MARKETING SERVICES LIMITED
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Kissco Marketing Services Ltd
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Publication of GB2526518A publication Critical patent/GB2526518A/en
Priority to HK15112049.9A priority patent/HK1211369A1/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F1/00—Details not covered by groups G06F3/00 - G06F13/00 and G06F21/00
    • G06F1/16—Constructional details or arrangements
    • G06F1/1613—Constructional details or arrangements for portable computers
    • G06F1/1632—External expansion units, e.g. docking stations
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0018—Constructional details, e.g. of drawer, printing means, input means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W80/00—Wireless network protocols or protocol adaptations to wireless operation

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Accounting & Taxation (AREA)
  • Signal Processing (AREA)
  • Computer Hardware Design (AREA)
  • Human Computer Interaction (AREA)
  • General Engineering & Computer Science (AREA)
  • Telephone Function (AREA)

Abstract

A dual proximity mode transaction terminal 400 comprises a mobile tablet 410 and a transceiver module 420. The mobile tablet 410 has a camera 436 for scanning a QR code so as to enable the transaction terminal 400 to retrieve data sent from a mobile communicator 480 via the QR code. The transceiver module 420 includes an acoustic transceiver 421 and an NFC sensor 425. The acoustic transceiver 421and the NFC sensor 425 are configured to enable bi-directional data communications between the mobile communicator 480 and the transaction terminal 400 via an acoustic communication channel and the NFC, respectively, when the mobile communicator 480 is positioned in proximity to the transceiver module 420. The transaction terminal 400 may be installed at a merchants side and configured to communicate with a payers mobile communicator 480 when performing a mobile transaction.

Description

Dual Proximity Mode Transaction Terminal and a Mobile Transaction System using the Same
FIELD OF THE INVENTION
100011 The present invention relates to a terminal for use in mobile transactions and a mobile transaction system using this terminal.
BACKGRO UND
100021 Mobile transaction solutions known in the market and in the art are mostly based on the technology of the near field communication (NEC) for performing a mobile transaction between a payer and a merchant. Therefore, a pre-requisite of enabling mobile transactions in the payer's mobile device is that the mobile device supports the NFC.
However, most of the handsets are still lack of the NFC capability. Besides, currently available NFC-enabled handsets are generally regarded as high-end products, which might be conflicting to an objective of target customers who only intend to do a small amount of mobile transaction. From the payer's point of view, it is advantageous that a mobile transaction solution supports, when communicating with the payer's handset, not only the NFC but also other technologies such as the acoustic communication and the optical communication using Quick Response (QR) code. From the merchant's point of view, it is also required to consider the terminal's requirements at the merchant side for the mobile transaction solution. It is impractical and not user-friendly to have multiple terminals installed at the merchant side for supporting different communication technologies whereby the payer is required to identify the correct terminal that fits the technology supported by his or her handset.
100031 It is desirable to have a single terminal that supports not only the NEC but also other communication technologies. Furthermore, it is advantageous that a mobile transaction solution provides a mobile transaction system that incorporates this single terminal.
SUMMARY OF THE INVENTION
100041 The present invention provides a dual proximity mode transaction terminal configured to communicate with a mobile communicator when performing a mobile transaction, The transaction terminal comprises a mobile tablet and a transceiver module Page 1 communicable with the mobile tablet. The mobile tablet includes a camera for scanning a QR code displayed by the mobile communicator so as to enable the transaction terminal to retrieve data sent from the mobile communicator via the QR code. The transceiver module has a signal reception area on the transceiver module's surface for receiving an acoustic signal or a NFC signal from the mobile communicator. The transceiver module further includes an acoustic transceiver and a NEC sensor, The acoustic transceiver and the NEC sensor are configured to enable bi-directional data communications between the mobile communicator and the transaction terminal via an acoustic communication channel and via the NFC, respectively, when the mobile communicator is positioned over the signal reception area within a pre-determined distance from the surface of the transceiver module.
10005] Preferably, the signal reception area comprises an acoustic pick-up area and a NFC coupling area. The acoustic pick-up area is bigger than and encloses the NEC coupling area, 100061 The transceiver module is communicable with the mobile tablet through a first wireless connection or a wired connection. The first wireless connection may be a communication link based on Bluetooth, Optionally, the transceiver module is realized by including an electronic subsystem that supports both the first wireless connection and the wired connection.
[0007] The acoustic transceiver may include a transceiver circuitry, an acoustic pick-up device, and one or more speakers. The acoustic pick-up device may be implemented as one or more microphones. Alternatively, the acoustic pick-up device may be an inductive sensor for coupling to a magnetic field from a magnetic-coiled speaker of the mobile communicator.
[0008] The transaction terminal may further comprise an adjustable mounting stand for providing support to both the mobile tablet and the transceiver module. In one option, the adjustable mounting stand includes a ball joint for providing two degrees of freedom rotationally, The transaction terminal may ifirther comprise a mggedized polymer-based casing for enclosing the mobile tablet and the transceiver module.
[0009] The transaction terminal may be positioned in a landscape orientation or a portrait orientation.
[0010] The transceiver module is connectable to an AC-to-DC transformer or a smart DC battery charger for receiving electrical power therefrom. The transaction terminal may frirther comprise electrical wires connected between the transceiver module and the mobile tablet for transferring electrical power from the transceiver module to the mobile tablet.
Page 2 100111 In one option, the mobile tablet is communicable with a transaction server via a second wireless connection when performing the mobile transaction, where the second wireless connection is a secure wireless connection. The second wireless connection may be a communication link based on the IEEE 802.1 lb/gIn WiFi, Bluetooth 4.0, or a 2.5013G/40 mobile data network.
[0012] Preferably, the mobile tablet is configured to execute a first communication process when communication between the mobile communicator and the transaction terminal is selected to be made via the acoustic communication channel. The first communication process is as follows. After transaction information is displayed at the transaction terminal, the mobile tablet sends a first message through the transceiver module to the mobile communicator to request starting a transaction process. After receiving from the mobile communicator a second message comprising the transaction information and a first token that identifies the mobile communicator, the mobile tablet sends to the transaction server a third message comprising the transaction information, the first token, and a second token that identifies the mobile transaction. The mobile tablet then receives from the transaction server a fourth message comprising a transaction result that includes an authentication and authorization result, The mobile tablet then sends a fifth message that includes the transaction result to the mobile communicator through the transceiver module. Thereafter, the mobile tablet receives from the mobile communicator a sixth message that indicates transaction process complete. The aforementioned second, third, fourth and fifth messages in the first communication process are encrypted during transmission.
[0013] It is also preferable that the mobile tablet is configured to execute a second communication process when communication between the mobile communicator and the transaction terminal is selected to be made via the NFC. The second communication process comprises: receiving from the mobile communicator a first message comprising transaction information, and a first token that identifies the mobile communicator; sending to the transaction server a second message comprising the transaction information, the first token, and a second token that identifies the mobile transaction; receiving from the transaction server a third message comprising a transaction result that includes an authentication and authorization result; and displaying the transaction result and printing an invoice when necessary, The aforementioned first, second and third processes in the second communication process are encrypted during transmission.
[0014] Additionally, the mobile tablet is preferably configured to execute a third communication process, as elaborated as follows, when communication from the mobile Page 3 communicator to the transaction terminal is selected to be via the QR code, After the QR code is displayed by the mobile communicator, the mobile tablet scans the QR code and retrieves therefrom transaction information and a first token that identifies the mobile communicator. Then the mobile tablet sends to the transaction server a first message comprising the transaction information, the first token, and a second token that identifies the mobile transaction. Thereafter, the mobile tablet receives from the transaction server a second message comprising a transaction result that includes an authentication and authorization result, The first message and the second message in the third communication process are encrypted,
BRIEF DESCRIPTION OF THE DRAWINGS
[0015] FIG, 1 graphically illustrates basic network connectivity among a payer's mobile communicator, a dual proximity mode transaction terminal and a server system according to a mobile transaction solution as disclosed in the present invention, [0016] FIG. 2 depicts software functional blocks in the dual proximity mode transaction terminal and the mobile communicator according to one embodiment of the present invention.
[0017] FIG, 3 illustrates basic hardware building blocks of the dual proximity mode transaction terminal in accordance with an exemplary embodiment of the present invention, where the building blocks include a mobile tablet, a transceiver module and an adjustable mounting stand.
[0018] FIG. 4 illustrates connections among the building blocks of the dual proximity mode transaction terminal in accordance with one embodiment of the present invention, [0019] FIG, S provides a diagram to illustrate that the payer's mobile communicator establishes a connection with the merchant's dual proximity mode transaction terminal via an acoustic communication channel or a NFC channel by putting the mobile communicator in proximity to the transaction terminal over a signal reception area.
[0020] FIG, 6 depicts that the dual proximity mode transaction terminal may be positioned in a landscape orientation or in a portrait orientation.
[0021] FIG, 7 illustrates, in accordance with one embodiment of the present invention, a transaction communication flow when communication between the mobile communicator and the transaction terminal is made via an acoustic interface.
[0022] FIG. 8 illustrates, in accordance with one embodiment of the present invention, a transaction communication flow when communication between the mobile communicator and the transaction terminal is made via the NFC, Page 4 [0023] FIG. 9 illustrates, in accordance with one embodiment of the present invention, a transaction communication flow when communication from the mobile communicator to the transaction terminal is made via the QR code.
DETAILED DESCRIPTION OF THE INVENTION
[0024] An aspect of the present invention is to provide a dual proximity mode transaction terminal, which is a single smart terminal installed at the merchant side and is capable of communicating with the payer's mobile communicator. The mobile communicator is any electronic device that can communicate with the transaction terminal for accomplishing mobile transactions. Usually, the mobile communicator of the payer is a handset or a smart phone. However, the mobile communicator as used herein in the specification and in the appended claims is not limited only to the mobile handset and the smart phone. Additionally, the transaction terminal is configured to enable communication with the mobile communicator via the NFC, the acoustic interface or the QR code. The support of multiple communication technologies by the transaction terminal extends the coverage of mobile communicators that can be supported and, advantageously, more users (i.e. payers) are allowed to perform mobile transactions with their handsets.
[0025] The transaction terminal as disclosed herein is incorporated into a mobile transaction system to form a mobile transaction solution (hereinafter referred to as a solution or a total solution). To complete the solution, another aspect of the present invention is to provide a convenient, secure way of completing an instantaneous transaction at a retail shop.
The aforementioned transaction includes, but is not limited to, payment, and offer/redemption of one or more coupons between a payer and a payee. The solution establishes its own communication protocol among the payer's terminal (i.e. the mobile communicator), the payee's terminal and a transaction server. Tokens generation may be proprietary or may be based on a non-proprietary method. It is also noticed that the proximity nature of NFC and acoustic interface provides additional security against eavesdropping by a passer-by.
A. Overview of the solution [0026] FIG, 1 depicts basic network connectivity among a mobile communicator, a dual proximity mode transaction terminal and a server system according to a total solution disclosed herein. A dual proximity mode transaction terminal 120 of a merchant (i.e. a payee) communicates with a mobile communicator 110 of a payer in close proximity so that the payer and the payee are allowed to interactively operate a transaction procedure on the Page 5 transaction terminal 120 step-by-step. Preferably, the dual proximity mode transaction terminal 120 is capable of communicating with a transaction server over a secure wireless connection 125. Using a wireless connection provides mobility to the transaction tenninal 120, offering convenience to the payer and the merchant. The secure wireless connection 125 may be realized based on, but is not limited to, the IEEE 802.1 lb/gIn WiFi, Bluetooth 4.0, or a 2,SGI3GI4G mobile data network. Preferably, the server is capable of supporting secure connections to multiple dual proximity mode transaction terminals concurrently. The sewer may be a physical sewer (not shown in FIG. 1), or a virtual server in a cloud based mobile transaction platform 140. In one embodiment, the sewer is a general network node that can process mobile transactions, and is therefore a virtual sewer. This virtual server may be one or more clusters of 247 sewers or a distributed sewer farm.
[0027] Data transmission over a communication link 115 between the dual proximity mode transaction terminal 120 and the mobile communicator 110 is performed via the acoustic communication, the NFC or the QR code in a single recipient device (i.e. the dual proximity mode transaction terminal 120) with encryption. A transaction can be supported when the mobile communicator 110 is online or offline, The mobile communicator 110 being offline means that it is not connected to the Internet 130, while the mobile communicator 110 is connected to the Internet 130 when it is online. Authentication of the transaction is based on authenticating a (software) application in the mobile communicator by a unique dynamic token generated by a transaction sewer for each transaction.
[0028] Different software packages are implemented in different device entities to carry out their respective business processes, to name a few: business logic and business intelligence features on the server; the payer-authentication and c-receipt feature on the dual proximity mode transaction terminal 120 and the mobile communicator 110.
[0029] FIG. 2 depicts software functional blocks in a dual proximity mode transaction terminal and a mobile communicator according to one embodiment of the present invention.
A dual proximity mode transaction terminal application (i.e. a merchant application 230) is executed on a computing device integrated in the dual proximity mode transaction terminal.
For example, the computing device is a smart phone running in an Android or iOS environment, The merchant application 230 can control a wireless interface 235 for communicating with a mobile transaction platform 260. The application can also control a transceiver module 240 that supports acoustic communication 225 and/or NFC 226 and/or optical communication based on the QR code for performing a transaction.
Page 6 [0030] A mobile communicator application (i.e. a consumer application 210) is implemented in the mobile communicator with software packages suitable for running in an operating system that the mobile communicator uses, such as iOS or Android. The consumer application 210 can control the mobile communicator's dual mode interface of acoustic communication and NEC, whichever applicable, and support the QR-code communication for the transaction, The consumer application 210 can have data exchange with the merchant application 230 with one of the communication schemes mentioned above.
[0031] The process of accomplishing a transaction includes the following steps.
* The payee (i.e. the merchant) displays transaction items (e.g., goods or services to be purchased) on a P05 (Point of Sale) or through the merchant application 230 at the dual proximity mode transaction terminal.
* The payer confirms the transaction of paying for the transaction items, and makes the payment, through the consumer application 210 installed in his or her mobile communicator. By placing the mobile communicator close to the dual proximity mode transaction terminal, the confirmation is sent to the transaction terminal and the payment is made via the NEC 226, the acoustic communication 225 or by the QR code.
* The merchant application 230 sends a transaction-authentication-and-authorization request for the transaction from the dual proximity mode transaction tenninal to a remote transaction server located, for examp'e, on a mobile transaction p'atform 260.
* The consumer application 210 waits for the acknowledgment of transaction authentication and authorization.
* The transaction is completed based on the result of authentication and authorization returned by the remote transaction server, B. Technical details of the dual proximity mode transaction terminal [0032] The dual proximity mode transaction terminal is the front-end part of the mobile transaction solution. This part is visible to end users at the merchant side, e.g., in a retail shop. FIG. 3 shows a dual proximity mode transaction terminal according to an exemplary embodiment of the present invention, A dual proximity mode transaction terminal 300 comprises a mobile tablet 310, a transceiver module 320 communicable with the mobile tablet 310, and preferably an adjustable mounting stand 330 for providing support to both the mobile tablet 310 and the transceiver module 320. Details thereof are elaborated as follows. Page?
[0033] For the mobile tablet 310, it acts as a module of the dual proximity mode transaction terminal 300. It is a smart device with wireless internet connectivity to mobile-transaction backend such as a server, and runs the merchant application to conduct all local business processes and arbitrations. In general, the mobile tablet 310 is a computing device realized in a form of a flat tablet as well as equipped with a display, one or more processors for running software applications, and wireless communication capability on a WiFi, 2,SG/3G/4G mobile data network connectable to the Internet. In addition, it includes a camera to support the QR-code communication to process transactions. For security concern, it is advantageous and preferable that nobody can directly gain access to any speaker, microphone, and NFC of the mobile tablet 310. All audio and NEC interfaces are connected to, and are accessible through, the transceiver module 320 only.
[0034] For the transceiver module 320, it is a customized embedded module, optimized for wirelessly interfacing with the payer's mobile communicator 380 in proximity.
Functionally, it is a self-sustainable, bidirectional signal converter established between the mobile tablet 310 and the payer's mobile communicator 380. On the surface of the transceiver module 320, there is a signal reception area 325 for receiving an acoustic signal or a NEC signal from the mobile communicator 380. As used herein, the mobile communicator 380 is considered to be in proximity to the transaction terminal 300 if the mobile communicator 380 is positioned over the signal reception area 325 within a pre-determined distance from the surface of the transceiver module 320 (as is graphically illustrated in FIG. 5), Typically, the pre-determined distance is several centimeters, In one embodiment, the pre-determined distance is selected to be within 1.5cm to 2.5cm. The transceiver module 320 includes an acoustic transceiver for performing the acoustic communication with the mobile communicator 380, where the acoustic transceiver comprises an acoustic pick-up device, one or more speakers and a transceiver circuitry. The transceiver module 320 also includes a NEC sensor for enabling bi-directional data transmission with the mobile communicator 380 via the NEC. To ensure an all-day-round operation of the dual proximity mode transaction terminal 300 in a merchant's shop, preferably an AC-to-DC transformer or a smart DC battery charger is connectable to the transceiver module 320 so as to enable the transceiver module 320 to receive electrical power from the aforementioned transformer or the smart DC battery charger. As a result, the transceiver module 320 may transfer power to the mobile tablet 310 by electrical wires, or may draw power from a DC power source to power audio amplifiers in the transceiver module 320. The transceiver module 320 is intended to be always ready for amplifying signals transmitted between the mobile tablet 310 and the Page 8 payer's mobile communicator 380. Therefore, the transceiver module 320 is usually in a frill-power mode.
100351 For the adjustable mounting stand 330, it is a straight mounting stand providing a firm support to the dual proximity mode transaction terminal 300. It includes a ball joint 335, which is located at the back of the dual proximity mode transaction terminal 300, and provides 2 degrees of freedom rotationally. The height of the adjustable mounting stand 330 can be adjusted by changing the length of a standing pole 336. Therefore, the position of the adjustable mounting stand 330 can be adjusted dynamically to offer the most comfortable height and a desirable facing angular direction for an end user.
100361 FIG. 4 illustrates connections among building blocks of the dual proximity mode transaction terminal. In FIG. 4, a mobile tablet 410 and a transceiver module 420 of a dual proximity mode transaction terminal 400 are shown, The transceiver module 420 is connected to the mobile tablet 410 via a wireless connection (for example, over Bluetooth) or through a wired connection. Optionally, the transceiver module 420 can be realized by including an electronic subsystem that supports both the wireless connection and the wired connection, A transceiver circuitry 422 and a passive NFC sensor 425 in the transceiver module 420 contain no software logics. All the pre-processing carried out for transmission, and the post-processing for reception are executed inside driver libraries in the mobile tablet 410, Conceptually, the transceiver circuitry 422 in the transceiver module 420 can be regarded as an apparatus that amplifies the acoustic signal to be transmitted to and receives an incoming acoustic signal from the mobile tablet 410, and the NFC sensor 425 in the transceiver module 420 can be regarded as an extension cord that relocates the INFC transceiving region to the front panel of the dual proximity mode transaction terminal 400, An acoustic transceiver 421 is configured to enable bi-directional data communication between the payer's mobile communicator 480 and the transaction terminal 400 via an acoustic communication channel when the mobile communicator 480 is in proximity to the transaction terminal 400. Preferably, the acoustic transceiver 421 includes the transceiver circuitry 422, an acoustic pick-up device 423, and one or more speakers 424. The NFC sensor 425 is configured to enable bi-directional data communication between the mobile communicator 480 and the transaction terminal 400 via the NEC when the mobile communicator 480 is in proximity to the transaction terminal 400.
100371 When the payer agrees to process the transaction shown on a liquid crystal display (LCD) 435 of the dual proximity mode transaction terminal 400, the payer puts his or her mobile communicator 480 close to the terminal in order to confirm the proceeding of the Page 9 transaction. Depending on device capability of the mobile communicator 510, and the preferred communication settings thereof, an acoustic, NFC or QR-code session is established. Tf the acoustic communication of the NFC is used, the mobile communicator 510 is put toward the transaction terminal 400 in a manner shown in FIG. 5. In FIG. 5, a mobile communicator 510 of the payer is put in proximity over a signal reception area 525 marked on the surface of a dual proximity mode transaction terminal 520. Transaction information and token(s) can then be exchanged wirelessly between the mobile communicator 510 and the dual proximity mode transaction terminal 520. If the QR code is used as a means for communications between the mobile communicator 480 and the transaction terminal 400, the payer is required to put the QR code displayed on the mobile communicator 480 in front of a camera 436 of the mobile tablet 410.
[0038] Considering the difference between the effective audio coverage and the NFC coverage of atypical smart phone, and taking into consideration other theoretical design concerns, the inventor has found that a practical design is to have a bigger acoustic pick-up area coinciding and enclosing a smaller NFC coupling area in order to optimize the received-signal quality at the signal reception area 525, By this design, when the payer's mobile communicator 510 (e.g., a smart phone or a tablet) is placed in front of the dual proximity mode transaction terminal 520, the payer can also have a natural visual guidance on where to put his or her mobile communicator 510.
[0039] In one embodiment, a ruggedized polymer-based casing is used as an electrical enclosure of a dual proximity mode transaction terminal, The mobile tablet and the transceiver module are firmly enclosed in this casing while the adjustable mounting stand is firmly attached thereto, In designing the casing, preferably several aspects, elaborated as follows, are considered.
* From an industrial-design perspective, the outlook of the casing is artistically streamlined, and ergonomically engineered for achieving practical user experience.
* From a mechanical-design and product-safety perspective, it is a product casing of the dual proximity mode transaction terminal, enabling the transaction terminal to pass electrical and mechanical testing for the CE certification, The casing also provides some degree of protection against intrusion (including body parts, such as hands and fingers), dust, accidental contact, and water droplets, according to the requirements of the ingress protection rating (or the international IP Code).
Page 10 * From the acoustic-design perspective, this casing does not block, or severely deteriorate the audio quality from the one or more speakers of the transceiver module.
* From a NFC-design perspective, this casing does not block the inductive coupling between a NEC antenna in the dual proximity mode transaction terminal and the payer's mobile communicator.
[0040] FIG. 6 shows two options in installing a dual proximity mode transaction terminal.
The dual proximity mode transaction terminal can be installed in a landscape orientation, as illustrated by a transaction terminal 610, or in a portrait orientation, as shown by another transaction terminal 620.
B. I. A preferred technical desizn of the iransceiver module [0041] As part of the security requirement, the dual proximity mode transaction terminal is designed for close proximity tap-and-pay communications with a range ofjust several centimeters away from the front panel of the transaction terminal, Special proximity design and tuning techniques are employed to cope with this requirement.
10042] Under the current software modulated scheme for the acoustic communication, the acoustic-signal qualities are optimized at the dual proximity mode transaction terminal in order to best fit a group of contemporary third-party mobile devices under test (as mobile communicators). The aforesaid optimization is mainly targeted to low transient distortion, and a high packet success rate (PSR) for error-free bi-directional data communications.
[0043] Since hardware devices or components of the dual proximity mode transaction terminal and the mobile communicator along the acoustic receiving path and along the transmitting path are asymmetrical, independent design and optimization are done for the acoustic pick-up device and the one or more speakers of the dual proximity mode transaction terminal, [0044] In one option, the acoustic pick-up device is implemented as one or more microphones, Alternatively and in another option, the acoustic pick-up device, mounted inside the dual proximity mode transaction tenninal, is an inductive sensor for coupling to the magnetic field from the magnetic-coiled speaker of the mobile communicator in proximity.
At an audio jack socket of the mobile tablet, the pick-up signal is converted to an input signal similar to that of a high-definition microphone of a headphone, By analyzing the signal quality at the acoustic pick-up device with a variety of contemporary handsets and tablets, a Page 11 consistent frequency response, high signal sensitivity (or high dynamic range), low noise level, and high signal-to-noise-ratio (SNR) over the involved communication bandwidth are achieved. With this relatively clean input signal to the mobile tablet, the preceding real-time software demodulation can achieve a low bit error rate.
10045] The one or more speakers of the dual proximity mode transaction terminal transmit audio signals to the microphone(s) of the mobile communicator when positioned in proximity to the transaction terminal. The acoustic design of a sound box for housing the one or more speakers is aimed at improving the higher-frequency response (12kHz -20kHz), and the transient sound quality. The directivity and sensitivity of the microphone(s) of a third-party device acting as the mobile communicator is different from that of another third-party device. Some devices may also have 2 active microphones. Therefore, it is highly desirable and preferable that the dual proximity mode transaction terminal has multiple speakers to reduce the possibility of signal loss at the payer's mobile communicator due to misaligned orientation or misplacement.
[0046] The dual proximity mode transaction terminal matches the transmitting range of the one or more speakers to the reception range of the acoustic pick-up device by adjusting volume levels of the one or more speakers. The one or more speakers and the acoustic pick-up device have a wide frequency response between 2kHz and 20kHz. As protection against undesirable out-of-the-band noise at the mobile tablet, the communication bandwidth of the audio input and the audio output is limited. All the noise outside the intended banddth is algorithmically filtered by a signal-processing codec running on the merchant application in the dual proximity mode transaction terminal.
[0047] The NFC sensor is made immune to electronic noise by separating its circuitry from the rest of the transceiver module. Hence, the sensitivity of the NFC sensor remains high, and the effective range is not reduced due to coupling loss.
[0048] Electromagnetic interference (EMI) is a major (but preventable) factor that reduces the NFC range and the acoustic-communication range by deteriorating the signal-to-noise-ratio (SNR). Sources of EMT can be identified by analyzing devices electrically connected to the transceiver module. Amongst these devices, two categories of major conductive noise sources can be isolated and suppressed. These are (1) random EMI over digital signal lines at IJSB connections, and (2) EMI harmonics and jitters from the DC charger over the SV power and grounding lines. It is preferable that specific noise suppression designs targeting to suppress these noise sources are included in the transceiver module.
Page 12 [0049] The EMI entering into the acoustic transceiver is reducible by: mounting electrical noise absorbing ferrite beads, and grounding capacitors to the power-plane circuitry; providing electromagnetic shielding to the transceiver circuitry; and isolating digital signal lines from the mobile tablet. The EMI is magnetically coupled to NEC antenna(s). Therefore, printed circuit boards (PCBs) of the passive NEC sensor and of the (active) acoustic transceiver are electrically separated.
[0050] As a result, the sensitivity and hence the communication ranges of the NFC and of the acoustic transceiver in an EMI-absent environment are close to those when compared to an EMI-intense site. The SO?/o range reduction typically found in EMI non-suppression transceivers is basically removed.
B. 2. Security measures of/he transceii'er module [0051] Since the transceiver module operates in an active mode, eavesdroppers can detect the communications with a certain degree of details. In one embodiment, countermeasures to spying and hacking are included as follows.
* The dual proximity mode transaction terminal has protection and alert mechanism against unauthorized opening of the casing so that implanting a spying device inside the transaction terminal is not permissible. By visual inspection of the exterior of the dual proximity mode transaction terminal, any NFC eavesdropping sensor can be removed.
* The NEC sensor on the dual proximity mode transaction terminal matches, or is closely coupled to, the size of the NEC coil for a majority of NEC-enabled mobile devices, so that leakage of the magnetic field to the surrounding is minimized.
* The operating system (OS), anti-virus software and other application software are designed to protect against malwares.
* A confidential, proprietary communication protocol between the payee's dual proximity mode terminal, the payer's mobile communicator and the mobile transaction platform is employed. Using a proprietary protocol is preferable over using a non-proprietary one.
* The data-communication connection from the transceiver terminal to the back-end server is encrypted.
C. Technical details of the transaction communication protocol Page 13 [0052] Security and privacy are two important aspects considered by users in adopting mobile transaction. To achieve security and privacy, the information exchanged between the mobile communicator, the dual proximity mode transaction terminal and the transaction server is encrypted. The proprietary transaction communication protocol includes the following &ements: transaction information; and tokens generated by the transaction server or the merchant application for identifying a specific mobile communicator of the payer or a specific transaction.
[0053] FIG. 7 depicts a preferred embodiment of a communication flow via the acoustic interface. The communication flow includes the following steps.
* Step 710) After displaying the transaction information at the dual proximity mode transaction terminal, the terminal sends a message to the payer's mobile communicator to request starting the transaction process.
* Step 720) The payer taps his or her mobile communicator to the dual proximity mode transaction terminal to send an encrypted message comprising transaction information, and a token that identifies a specific mobile communicator to the dual proximity mode transaction terminal via the acoustic interface.
* Step 730) The merchant application executed in the dual proximity mode transaction terminal sends an encrypted message comprising the transaction information, the token that identifies the specific mobile communicator and a token that identifies a specific transaction to the remote transaction sewer via the wireless network.
* Step 740) The remote transaction server returns the encrypted message with the authentication and authorization result (i.e. the transaction result) to the merchant application.
* Step 750) The merchant application transmits the encrypted result to the consumer application executed in the payer's mobile communicator.
* Step 760) The mobile communicator sends a message of transaction process complete to the dual proximity mode transaction terminal.
[0054] FIG. 8 depicts a preferred embodiment of a communication flow via the NFC, The communication flow includes the following steps.
* Step 810) After confirming the transaction information in the dual proximity mode transaction terminal, the payer taps his or her mobile communicator to the dual proximity mode transaction terminal to send an encrypted message comprising Page 14 transaction information and a token that identifies a specific mobile communicator to the dual proximity mode transaction terminal via the NFC interface.
* Step 820) The merchant application executed in the dual proximity mode transaction terminal sends an encrypted message comprising the transaction information, the token that identifies the specific mobile communicator and a token that identifies a specific transaction to the remote transaction sewer via the wireless network.
* Step 830) The remote transaction server returns the encrypted message with the authentication and authorization result (i.e. the transaction result) to the merchant application, * Step 840) The merchant application displays the transaction result and prints an invoice if necessary.
100551 FIG. 9 depicts a prefered embodiment of a communication flow via the QR code.
The communication flow includes the following steps.
* Step 910) After completing and confirming the transaction information in the dual proximity mode transaction terminal, the payer shows the QR code generated by the consumer application executed in the mobile communicator.
* Step 920) The merchant application executed in the dual proximity mode transaction terminal scans the QR code and retrieves the content embedded in the QR code. The content comprises transaction information, and a token that identifies a specific mobile communicator.
* Step 930) The merchant application sends an encrypted message comprising the transaction information, the token which identifies the specific mobile communicator and a token that identifies a specific transaction to the remote transaction server via the wireless network.
* Step 940) The remote transaction server returns the encrypted message with the authentication and authorization result (i.e. the transaction result) to the merchant application.
D. Remark 100561 The present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof The present embodiment is therefore to be considered in all respects as illustrative and not restrictive, The scope of the invention is Page 15 indicated by the appended claims rather than by the foregoing description, and all changes that come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein.
Page 16

Claims (16)

  1. What is claimed is: 1. A dual proximity mode transaction terminal configured to communicate with a mobile communicator when performing a mobile transaction, the transaction terminal comprising a mobile tablet and a transceiver module communicable with the mobiletablet, wherein:the mobile tablet includes a camera for scanning a Quick Response (QR) code displayed by the mobile communicator so as to enable the transaction terminal to retrieve data sent from the mobile communicator via the QR code; and the transceiver module includes: (a) a signal reception area on the transceiver module's surface for receiving an acoustic signal or a near field communication (NFC) signal from the mobile communicator; (b) an acoustic transceiver configured to enable bi-directional data communication between the mobile communicator and the transaction terminal via an acoustic communication channel when the mobile communicator is positioned over the signal reception area within a pre-determined distance from the surface of the transceiver module; and (c) a NEC sensor configured to enable bi-directional data communication between the mobile communicator and the transaction terminal via the NFC when the mobile communicator is positioned over the signal reception area within the pre-determined distance from the surface of the transceiver module.
  2. 2. The transaction terminal of claim 1, wherein the signal reception area comprises an acoustic pick-up area and a NEC coupling area, where the acoustic pick-up area is bigger than and encloses the NEC coupling area.
  3. 3. The transaction terminal of claim 1 or 2, wherein the transceiver module is communicable with the mobile tablet through a first wireless connection or a wired connection.
  4. 4. The transaction terminal of claim 3, wherein the first wireless connection is a communication link based on Bluetooth.
    Page 17
  5. 5. The transaction terminal of claim 3, wherein the transceiver module comprises an electronic subsystem that supports both the first wireless connection and the wired connection.
  6. 6. The transaction terminal of claim I or 2, wherein the acoustic transceiver includes a transceiver circuitry, an acoustic pick-up device, and one or more speakers.
  7. 7. The transaction terminal of claim 6, wherein the acoustic pick-up device is an inductive sensor for coupling to a magnetic field from a magnetic-coiled speaker of the mobile communicator.
  8. 8. The transaction terminal of claim I or 2, further comprising an adjustable mounting stand for providing support to both the mobile tablet and the transceiver module.
  9. 9. The transaction terminal of claim I or 2, wherein the transaction terminal is installed in a landscape orientation or a portrait orientation, 10. The transaction terminal of claim I or 2, further comprising a ruggedized polymer-based casing for enclosing the mobile tablet and the transceiver module.11. The transaction terminal of claim 1 or 2, wherein the transceiver module is connectable to an AC-to-DC transformer or a smart DC battery charger for receiving electrical power therefrom.12. The transaction terminal of claim 11, further comprising electrical wires connected between the transceiver module and the mobile tablet for transferring electrical power from the transceiver module to the mobile tablet, 13, The transaction terminal of claim I or 2, wherein the mobile tablet is communicable with a transaction sewer via a second wireless connection when performing the mobile transaction, where the second wireless connection is a secure wireless connection.Page 18 14. The transaction terminal of claim 13, wherein the second wireless connection is a communication link based on the IEEE 802.llb/g/n WiFi, Bluetooth 40, or a 2.5G/36/4G mobile data network.15. The transaction terminal of claim 13, wherein the mobile tablet is configured to execute a first communication process when communication between the mobile communicator and the transaction terminal is selected to be made via the acoustic communication channel, the first communication process comprising the steps of: after transaction information is displayed at the transaction terminal, sending a first message through the transceiver module to the mobile communicator to request starting a transaction process; receiving from the mobile communicator a second message comprising the transaction information, and a first token that identifies the mobile communicator; sending to the transaction sewer a third message comprising the transaction information, the first token, and a second token that identifies the mobile transaction; receiving from the transaction server a fourth message comprising a transaction result that includes an authentication and authorization result; sending a fifth message that includes the transaction result to the mobile communicator through the transceiver module; and receiving from the mobile communicator a sixth message that indicates transaction process complete; wherein the second message, the third message, the fourth message and the fifth message are encrypted.16. The transaction terminal of claim 13, wherein the mobile tablet is configured to execute a second communication process when communication between the mobile communicator and the transaction terminal is selected to be made via the NEC, the second communication process comprising the steps of receiving from the mobile communicator a first message comprising transaction information, and a first token that identifies the mobile communicator; Page 19 sending to the transaction server a second message comprising the transaction information, the first token, and a second token that identifies the mobile transaction; receiving from the transaction server a third message comprising a transaction result that includes an authentication and authorization result; and displaying the transaction result and printing an invoice when necessary; wherein the first message, the second message and the third message are encrypted.17. The transaction terminal of claim 13, wherein the mobile tablet is configured to execute a third communication process when communication from the mobile communicator to the transaction terminal is selected to be via the QR code, the third communication process comprising the steps of after the QR code is displayed by the mobile communicator, scanning the QR code and retrieving therefrom transaction information and a first token that identifies the mobile communicator; sending to the transaction server a first message comprising the transaction information, the first token, and a second token that identifies the mobile transaction; and receiving from the transaction server a second message comprising a transaction result that includes an authentication and authorization result; wherein the first message and the second message are encrypted.Page 20 Amendments to the claims have been filed as follows: What is claimed is: A dual proximity mode transaction terminal configured to communicate with a mobile communicator when performing a mobile transaction, the transaction terminal comprising a mobile tablet and a transceiver module communicable with the mobiletablet, wherein:the mobile tablet includes a camera for scanning a Quick Response (QR) code displayed by the mobile communicator so as to enable the transaction terminal to retrieve data sent from the mobile communicator via the QR code; and the transceiver module includes: (a) a signal reception area on the transceiver module's surface for receiving an acoustic signal or a near field communication (NEC) signal from the mobile communicator; (b) an acoustic transceiver configured to enable bi-directional data communication between the mobile communicator and the transaction terminal via an acoustic communication channel when the mobile ci-communicator is positioned over the signal reception area within a pre-o determined distance from the surface of the transceiver module; and (c) a NEC sensor configured to enable bi-directional data communication 0 between the mobile communicator and the transaction terminal via the NEC when the mobile communicator is positioned over the signal reception area within the pre-determined distance from the surface of the transceiver module; and wherein the signal reception area comprises an acoustic pick-up area and a NEC coupling area, where the acoustic pick-up area is bigger than and encloses the NEC coupling area.2. The transaction terminal of claim 1, wherein the transceiver module is communicable with the mobile tablet through a first wireless connection or a wired connection, 3, The transaction tenninal of claim 2, wherein the first wireless connection is a communication link based on Bluetooth.4, The transaction terminal of claim 2, wherein the transceiver module comprises an electronic subsystem that supports both the first wireless connection and the wired connection.5, The transaction terminal of claim 1, wherein the acoustic transceiver includes a transceiver circuitry, an acoustic pick-up device, and one or more speakers.6. The transaction terminal of claim 6, wherein the acoustic pick-up device is an inductive sensor for coupling to a magnetic field from a magnetic-coiled speaker of the mobile communicator.7. The transaction terminal of claim 1, further comprising an adjustable mounting stand for providing support to both the mobile tablet and the transceiver module.8. The transaction terminal of claim 1, wherein the transaction terminal is installed in a landscape orientation or a portrait orientation.o 9. The transaction terminal of claim 1, fhrther comprising a ruggedized polymer-based casing for enclosing the mobile tablet and the transceiver module.
  10. 10. The transaction terminal of claim I, wherein the transceiver module is connectable to an AC-to-DC transformer or a smart DC battery charger for receiving electrical power therefrom.
  11. 11. The transaction terminal of claim 10, further comprising electrical wires connected between the transceiver module and the mobile tablet for transferring electrical power from the transceiver module to the mobile tablet.
  12. 12. The transaction terminal of claim 1, wherein the mobile tablet is communicable with a transaction server via a second wireless connection when performing the mobile transaction, where the second wireless connection is a secure wireless connection.
  13. 13. The transaction terminal of claim 12, wherein the second wireless connection is a communication link based on the IEEE 802.1 lb/gIn WiFi, Bluetooth 4.0, or a 2.5G/3014G mobile data network.
  14. 14, The transaction terminal of claim 12, wherein the mobile tablet is configured to execute a first communication process when communication between the mobile communicator and the transaction terminal is selected to be made via the acoustic communication channel, the first communication process comprising the steps of after transaction information is displayed at the transaction terminal, sending a first message through the transceiver module to the mobile communicator to request starting a transaction process; receiving from the mobile communicator a second message comprising the transaction information, and a first token that identifies the mobile communicator; sending to the transaction sewer a third message comprising the transaction information the first token and a second token that identifies the mobile transaction; o receiving from the transaction server a fourth message comprising a transaction result that includes an authentication and authorization result; O sending a fifth message that includes the transaction result to the mobile communicator through the transceiver module; and receiving from the mobile communicator a sixth message that indicates transaction process complete; wherein the second message, the third message, the fourth message and the fifth message are encrypted.
  15. 15, The transaction terminal of claim 12, wherein the mobile tablet is configured to execute a second communication process when communication between the mobile communicator and the transaction terminal is selected to be made via the NFC, the second communication process comprising the steps of receiving from the mobile communicator a first message comprising transaction information, and a first token that identifies the mobile communicator; sending to the transaction server a second message comprising the transaction information, the first token, and a second token that identifies the mobile transaction; receiving from the transaction server a third message comprising a transaction result that includes an authentication and authorization result; and displaying the transaction result and printing an invoice when necessary; wherein the first message, the second message and the third message are encrypted.
  16. 16. The transaction terminal of claim 12, wherein the mobile tablet is configured to execute a third communication process when communication from the mobile communicator to the transaction terminal is selected to be via the QR code, the third communication process comprising the steps of after the QR code is displayed by the mobile communicator, scanning the QR code and retrieving therefrom transaction information and a first token that identifies the mobile communicator; sending to the transaction sewer a first message comprising the transaction ci-information, the first token, and a second token that identifies the mobile o transaction; and receiving from the transaction server a second message comprising a transaction 0 result that includes an authentication and authorization result; wherein the first message and the second message are encrypted.
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