PL408651A1 - Method for payment authorization in mobile devices - Google Patents

Method for payment authorization in mobile devices

Info

Publication number
PL408651A1
PL408651A1 PL408651A PL40865114A PL408651A1 PL 408651 A1 PL408651 A1 PL 408651A1 PL 408651 A PL408651 A PL 408651A PL 40865114 A PL40865114 A PL 40865114A PL 408651 A1 PL408651 A1 PL 408651A1
Authority
PL
Poland
Prior art keywords
recipient
server
user
sent
accounting system
Prior art date
Application number
PL408651A
Other languages
Polish (pl)
Inventor
Marcin Szary
Krzysztof Tokarczyk
Anna Fuk
Original Assignee
Getyid Software & Service Spółka Z Ograniczoną Odpowiedzialnością
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Getyid Software & Service Spółka Z Ograniczoną Odpowiedzialnością filed Critical Getyid Software & Service Spółka Z Ograniczoną Odpowiedzialnością
Priority to PL408651A priority Critical patent/PL408651A1/en
Priority to PCT/PL2014/000068 priority patent/WO2015199558A1/en
Publication of PL408651A1 publication Critical patent/PL408651A1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Landscapes

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

Abstract

Przedmiotem wynalazku jest sposób autoryzacji płatności w urządzeniach mobilnych, poprzez bezprzewodową transmisję danych pomiędzy przenośnym urządzeniem telekomunikacyjnym z modułem NFC użytkownika zatwierdzającego, etykietą NFC odbiorcy, z której pobierany jest pakiet informacji i izolowanym komputerowym systemem księgowania operacji skomunikowanym z systemem komputerowym odbiorcy zaopatrzonym w terminal płatności odbiorcy, z którego pozyskuje się dane w postaci cyfrowej i przesyła się do serwera bankowego, w którym dokonuje się zapisu operacji w segmentach pamięci dedykowanych odbiorcy i użytkownikowi, sprawdza się stan zapisów i do terminala płatności wysyła się odpowiedź z serwera systemu księgowania operacji, charakteryzuje się tym, że pakiet informacji A0 z etykiety NFC odbiorcy poprzez przenośne urządzenie użytkownika przesyła się do segmentu pamięci serwera przypisanego do odbiorcy w systemie księgowania operacji i po dodaniu danych pozyskanych z terminala odbiorcy przesyła się zwrotnie do przenośnego urządzenia użytkownika, który pełen pakiet informacji A wysyła do serwera bankowego użytkownika, po czym w serwerze bankowym użytkownika dokonuje się zapisów zleconej operacji w segmencie pamięci użytkownika i w segmencie pamięci przypisanym do systemu księgowania operacji, przy czym przy pomocy serwera księgowania operacji systematycznie w czasie krótszym niż co 5 sekund sprawdza się zapisy w segmencie pamięci serwera bankowego przypisanym do systemu księgowania operacji, i następnie wytwarza się pakiet informacji B, który przy pomocy serwera systemu księgowania operacji wysyła się do serwera bankowego odbiorcy, tam dokonuje się zapisów zleconej operacji w segmencie pamięci przypisanym do odbiorcy i w segmencie pamięci przypisanym do systemu księgowania operacji i korzystnie pakiet informacji B0 przy pomocy serwera systemu księgowania operacji wysyła się do terminala odbiorcy. Korzystnie zaszyfrowany pakiet informacji z etykiety NFC odbiorcy korzystnie deszyfruje się kluczem publicznym kryptografii asymetrycznej w uruchomionej aplikacji przenośnego urządzenia użytkownika. Pakiet informacji do segmentu pamięci serwera przypisanego do odbiorcy przesyła się w postaci odszyfrowanej lub częściowo zaszyfrowanej. Opcjonalnie pakiet informacji z etykiety NFC w postaci unikalnego zestawu znaków przesyła się do systemu księgowania operacji.The subject of the invention is a method of payment authorization in mobile devices, through wireless data transmission between a portable telecommunications device with an NFC module of the approving user, the NFC label of the recipient, from which the information packet is downloaded, and an isolated computerized transaction accounting system connected with the recipient's computer system equipped with the recipient's payment terminal , from which data is obtained in digital form and sent to a bank server, where operations are recorded in memory segments dedicated to the recipient and user, the status of records is checked and a response is sent from the payment accounting server to the payment terminal, characterized by that the A0 information packet from the recipient's NFC label via the user's portable device is sent to the server's memory segment assigned to the recipient in the transaction accounting system and after adding data after obtained from the recipient's terminal is sent back to the user's portable device, which sends the full information package A to the user's bank server, after which the user’s bank server records the ordered operation in the user's memory segment and in the memory segment assigned to the transaction accounting system, with operations booking server help, the records in the banking server memory segment assigned to the transaction accounting system are checked systematically in less than every 5 seconds, and then the B information package is generated, which is sent to the recipient's banking server using the transaction accounting system server records of the ordered operation in the memory segment assigned to the recipient and in the memory segment assigned to the transaction accounting system, and preferably the B0 information packet with the help of the transaction accounting system server is sent to the recipient's terminal. Preferably, the encrypted packet of information from the recipient's NFC label is preferably decrypted with the asymmetric cryptography public key in the running application of the user's mobile device. The information packet for the server memory segment assigned to the recipient is sent in decrypted or partially encrypted form. Optionally, the information packet from the NFC label in the form of a unique character set is sent to the transaction accounting system.

PL408651A 2014-06-24 2014-06-24 Method for payment authorization in mobile devices PL408651A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PL408651A PL408651A1 (en) 2014-06-24 2014-06-24 Method for payment authorization in mobile devices
PCT/PL2014/000068 WO2015199558A1 (en) 2014-06-24 2014-06-24 The authorize payment method in mobile devices

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PL408651A PL408651A1 (en) 2014-06-24 2014-06-24 Method for payment authorization in mobile devices

Publications (1)

Publication Number Publication Date
PL408651A1 true PL408651A1 (en) 2016-01-04

Family

ID=51266400

Family Applications (1)

Application Number Title Priority Date Filing Date
PL408651A PL408651A1 (en) 2014-06-24 2014-06-24 Method for payment authorization in mobile devices

Country Status (2)

Country Link
PL (1) PL408651A1 (en)
WO (1) WO2015199558A1 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108241974B (en) * 2017-12-06 2020-11-10 创新先进技术有限公司 Writing-in and payment method and device of NFC portable device and NFC portable device

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US7308486B2 (en) 2001-12-06 2007-12-11 Accenture Global Services Gmbh Mobile guide communications system
US7202783B2 (en) 2001-12-18 2007-04-10 Intel Corporation Method and system for identifying when a first device is within a physical range of a second device
JP2007529797A (en) 2004-03-19 2007-10-25 フンベル ローガー All-in-one key or control software card in mobile phones for wireless bicycle keys, cars, houses, RFID tags with authentication and payment functions
CN101142753B (en) 2005-02-09 2012-03-21 Nxp股份有限公司 Method for ensuring a secure NFC functionality of a wireless mobile communication device and wireless mobile communication device having a secure NFC functionality
DE502005007568D1 (en) 2005-05-12 2009-08-06 Swisscom Ag Method and system for secure transmission of data via an NFC interface
FR2892212A1 (en) 2005-10-17 2007-04-20 St Microelectronics Sa NFC READER HAVING PASSIVE OPERATING MODE WITH LOW POWER CONSUMPTION
US7643798B2 (en) 2005-12-09 2010-01-05 Sony Ericsson Mobile Communications Ab Passive NFC activation of short distance wireless communication
DE102006006734A1 (en) 2006-02-13 2007-08-16 Blue Cell Networks Gmbh Procedure for exchanging information
CA2696854C (en) 2007-09-27 2016-07-12 Inside Contactless Method and device for managing application data in an nfc system in response to the sending or receiving of data without contact
ES2371583T3 (en) 2008-09-30 2012-01-05 Research In Motion Limited WIRELESS MOBILE COMMUNICATIONS DEVICE THAT HAS A NEXT FIELD OF COMMUNICATIONS CIRCUIT (NFC) TOUCH ACTIVATION.
US8190129B2 (en) 2009-06-22 2012-05-29 Mourad Ben Ayed Systems for three factor authentication
US20110264543A1 (en) * 2010-04-26 2011-10-27 Ebay Inc. Reverse payment flow
US20120004972A1 (en) * 2010-06-30 2012-01-05 Alcatel-Lucent Usa Inc. System and method for integrating near field communication devices with legacy customer loyalty services
WO2012151290A1 (en) 2011-05-02 2012-11-08 Apigy Inc. Systems and methods for controlling a locking mechanism using a portable electronic device
WO2012151660A1 (en) 2011-05-11 2012-11-15 Mark Itwaru Mobile image payment system
US20120296725A1 (en) 2011-05-17 2012-11-22 Dessert Robert L System and method for managing transactions with a portable computing device
WO2013062481A1 (en) * 2011-10-24 2013-05-02 Nachiappan Nachiappa Anonymous collection, presentment and reverse auction of payment receipt items
WO2013089568A1 (en) * 2011-12-12 2013-06-20 Iif Spółka Akcyjna Method of making payment transaction via cellular telephone system and telecommunication system for conducting payment transactions

Also Published As

Publication number Publication date
WO2015199558A1 (en) 2015-12-30

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