CN104641388B - NFC transaction processing systems and method - Google Patents

NFC transaction processing systems and method Download PDF

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Publication number
CN104641388B
CN104641388B CN201380037487.4A CN201380037487A CN104641388B CN 104641388 B CN104641388 B CN 104641388B CN 201380037487 A CN201380037487 A CN 201380037487A CN 104641388 B CN104641388 B CN 104641388B
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China
Prior art keywords
device
nfc
transaction
point
token
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CN201380037487.4A
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Chinese (zh)
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CN104641388A (en
Inventor
K·拉尔西
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贝宝公司
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Priority to US201261646523P priority Critical
Priority to US61/646,523 priority
Priority to US13/731,348 priority patent/US9400978B2/en
Priority to US13/731,348 priority
Priority to US13/768,156 priority patent/US9305295B2/en
Priority to US13/768,156 priority
Application filed by 贝宝公司 filed Critical 贝宝公司
Priority to PCT/US2013/040953 priority patent/WO2013173339A1/en
Publication of CN104641388A publication Critical patent/CN104641388A/en
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Publication of CN104641388B publication Critical patent/CN104641388B/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes

Abstract

Embodiment of the present invention relates to the use of near-field communication (" NFC ") function of mobile device for carrying out system, method, processing, computer program code and the device of payment transaction.

Description

NFC transaction processing systems and method

Cross reference to related applications:The application based on following patent application and require the equity of following patent application with Priority:The U.S. Provisional Patent Application of serial number 61/646,523 that on May 14th, 2012 submits;And 2 months 2013 15 The U.S. Patent application of serial number 13/768,156 that day submits;The serial number 13/731,348 that on December 31st, 2012 submits U.S. Patent application;The U.S. Patent application of serial number 12/846,911 that on July 30th, 2010 submits;On December 23rd, 2011 The U.S. Patent application of serial number 13/336,574 submitted, the content of above-mentioned every patent application are all entire for all purposes Ground is incorporated herein.

Background technology

Increasingly, the mobile device of such as smart phone includes near-field communication (" NFC ") technology, NFC technique now Mobile device is allowed to communicate using NFC with reader, label and other NFC devices.NFC device usually can be three Kind mode of operation is made --- " reader/writer ", " equity " and " snap gauge plan " pattern.Different operation modes are based on ISO/IEC 18092,14443 and NFC IP-1 standards.

Under reader/writer pattern, NFC device can read tag types as defined in NFC forums, such as read In the case of NFC smart poster labels.Reader/writer pattern on RF interfaces meets ISO/IEC 14443 and FeliCa Scheme.Under ad-hoc mode, two NFC devices can exchange data (for example, two devices can share bluetooth or WiFi chains It connects arrange parameter or exchanges virtual business cards or digital photos).Ad-hoc mode is based on 18092 standards of ISO/IEC.Intend in snap gauge Under pattern, NFC device appears to be the external reader about the same with traditional contact type intelligent card.Snap gauge simulation models makes Contactless payment and ticketing can be carried out in the case where not changing existing payment processing infrastructure by obtaining NFC device.Mesh Before, many smart phones include NFC technique.

Many mobile payment schemes are proposed uses NFC device under " snap gauge simulation models ".The pattern allows phone to be used as The repository of the encrypted Payment Card certificate of safety.Unfortunately, such requirement Payment Card certificate is according to Payment Card The standard (or " scheme ") that association (Visa, American Express etc.) is controlled is encrypted, and also require The security encryption chip for being referred to as " safety element " is present in mobile device, this increases cost and complexity for mobile device Degree.These encipherment schemes be closing and it is proprietary, and permit determined by the owner of scheme.License may be expensive, and And it is not guaranteed for the approval of participation.

In addition, realize that the application program processing needed for encipherment scheme may be complicated.For example, it is referred to as One standard requirement of " Globoplatform/JCOP " (it is substantially the java runtime environment realized in NFC chip) The each Payment Card being stored on the chip has the encryption of the data of a use unique group key management for own the card With the java application of decryption.

The proprietary cipher key scheme associated complexity different from management and security consideration have caused be referred to as to convince It is engaged in creating new entity in the NFC payment ecosystem of manager.The work of TSM is used as being responsible for using a variety of encryption sides The trusted intermediary of movement of the encrypted Payment Card certificate of case to the mobile phone of consumer.Since other than other considerations, difference association There can be different schemes, and these associations are not desired to share their specific encryption and card Managed Solution each other, so depositing In TSM.Estimate TSM use make Payment Card be stored on the smart phone using snap gauge simulation models NFC of consumer and Up to $ 5 can be increased in managed cost every year.

Also it is that mobile-phone manufacturers and cellular carrier create chance for convenient pay using encrypted snap gauge simulation models NFC, To attempt to control the process being placed on Payment Card on the device equipped with nfc card simulation model ability chip.Cellular carrier (Verzon and ATT that such as work together as a part of Isis Consortium) and mobile-phone manufacturers are (such as Google) just attempting to collect a large amount of expenses in the form of license fee or co-operative marketing dollar to payment card issuing, this is to making It is unattractive thing for bank for the main publisher of Payment Card.Industry specialists believe that Isis is proposing, silver The annual every Payment Card of row pays about $ 10 so that Payment Card is in the mobile phone of the support NFC from ATT or Verizon It is workable.

The NFC features preferably provided using mobile device are used to carry out the payment for being related to these and other problems friendship Easy method and system, the payment transaction include quotation send out (offer delivery) and redeem and loyalty credits and Reward sends out and redeems.When reading disclosure below, other advantages and features will be apparent.

Description of the drawings

Fig. 1 is the block diagram for describing the system being configured according to certain embodiment.

Fig. 2 is the flow chart for describing processing according to certain embodiment.

Fig. 3 is the flow chart being further processed described according to certain embodiment.

Specific embodiment

Embodiment of the present invention is related to the near-field communication of mobile device (" NFC ") function is utilized to be used to be paid System, method, processing, computer program code and the device of transaction.Generally, embodiment can be with such as inventor System as described in their co-pending and commonly assigned application cited above combines deployment, in institute State in system, mobile device can be used for by scan, capture or otherwise key in the associated code of transaction come It is traded.The feature of certain embodiments will with payment or other transaction systems be combined and be described, it is described pay or In other transaction systems of person, mobile device is used at the position of trade company (alternatively, in certain embodiments, in automated teller At machine, retail kiosk, in face-to-face transaction etc.) it is traded.In addition, embodiment can be with payment or other transaction System is used in combination, and mobile device is used for by generating or otherwise obtaining in the payment either other transaction systems Token must be examined either other codes and to be supplied to the inspection token or code using NFC technique involved in transaction Second device (trade company's point of sale device, ATM, retail kiosk, another person device etc.) initiate to merchandise.

The feature of the present invention will be based on the payment used described in our co-pending application cited above Hypothesis with transaction system is described, and the details of these systems will not fully be reaffirmed herein.It is however, of the invention Embodiment be not limited to be used in combination with the payment described in the application of our co-pending or transaction system.On the contrary, The use of NFC function as described in this article can be in a variety of payments or transaction system, digital wallet etc. with desired knot Fruit and benefit are used.In addition, although embodiment is retouched herein referring generally to transaction (such as payment transaction) It states, but embodiment can be used in other kinds of transaction with desired result, the other kinds of transaction is all Such as loyal, reward or wherein one device (such as mobile device) can (such as another movement fills with another device Put or point-of-transaction) transaction of other offer types that interacts.

The feature of certain embodiments of the present invention is described now with reference to Fig. 1, Fig. 1 is according to certain embodiment The block diagram of system 100.The further details of system 100 can by referring to be incorporated herein by reference we jointly treat Careful application obtains.As shown, payment account holder, buyer or other users or operator are (hereinafter, " visitor Family ") can have or using mobile device 102 (mobile phone etc.).Mobile device 102 has display screen and number According to input unit (such as keypad or touch screen).Embodiment according to the present invention, client can use mobile device 102 It is traded via point-of-transaction device 106 and trade company or other entities (such as bank).Point-of-transaction device 106 may, for example, be Point of sales terminal, ATM, another mobile device are (for example, such as movement of portable point-of-sale terminal, another person Device etc.) etc..Trade company can be entity StoreFront, e-commerce trade company either mail-order and phone (" MOTO ") trade company or another People or entity.In addition, trade company needs not to be " trade company ", and it can also be another person's (in the case of merchandising face to face) or sell goods Pavilion or other unattended devices (ATM (" ATM ")) etc..

For convenience and be easy to illustrate, to client, consumer or serve as in transaction buyer other entities it is related The device of connection will be referred to as " mobile device 102 " or " mobile device 102 for supporting NFC " herein.With trade company, sale Quotient, fund recipient serve as the associated device of other entities of seller or fund recipient in transaction and will be referred to as " point-of-transaction device 106 ".Those skilled in the art will realize that point-of-transaction device 106 can be suitable when reading the disclosure According to traditional trade company's point of sale device for being operated of the present invention either it can be such as mobile phone device or Other devices (for example, in certain embodiments, client can operate mobile device, and trade company in merchandising or other Participant can also operate mobile device).

According to certain embodiment, mobile device 102 is to support the mobile device of NFC, such as following such mobile electricity Words, the mobile phone have (chipset as the mobile phone part installation or as selling installed therein Market SIM card is installed afterwards) radio frequency identification (" RFID ") chip.As specific embodiment, mobile phone can be Nexus S or9600 smart phones, each of which have RFID chip installed therein.According to certain A little embodiments, mobile device 102 can be operated according to one or more of standards, such as, for example, ISO/IEC 18092nd, 14443 contactless communication standard of NFC IP-1 and ISO/IEC etc..

More particularly, according to certain embodiment, mobile device 102 can be in so-called " reader/writer " mould It is operated under formula, under reader/writer pattern, what the NFC device in mobile device 102 can be compatible with from NFC forums NFC label (NFC label in such as NFC device 104) reads data.In certain embodiments, mobile device 102 can be into One step (or alternatively) can be operated under so-called " equity " operation mode.For convenience and it is easy to illustrate, has There is NFC device and can be under NFC operation modes (for example, such as under reader/writer pattern and/or ad-hoc mode) The mobile device 102 that the mobile device operated will be referred to as supporting NFC herein.In the mobile device 102 for supporting NFC The operation of NFC device can be controlled via the mobile payment application program in the mobile device 102 for supporting NFC System (least for the purpose of transaction carried out according to the present invention).For example, the operation of mobile payment application program can make support The mobile device 102 of NFC activates or enables the NFC operation modes for the mobile device for supporting NFC, this allows mobile device 102 Data are read from NFC device 104 associated with point-of-transaction.The data read from NFC device 104 are (alternatively, below in conjunction with figure In 3 embodiments further described, it is written to the data of NFC device 104) it is captured by mobile payment application program, and with Payment according to the present invention or other transaction are used in combination.

As described in co-pending application, purchase or other trading processings according to certain embodiment include Generation, scanning or the capture of unique code (referred to herein as " examining token ") associated with point-of-transaction.According to Fig. 1 In discribed embodiment, it is associated with point-of-transaction that token is examined to be supported NFC device in the mobile device 102 of NFC It is read from 106 associated NFC device 104 of point-of-transaction.As described in co-pending application, in certain embodiments In, examine token that can dynamically generate to be used in the single transaction at particular merchant or position.As used herein , the inspection token that such dynamic generates is referred to as " dynamic token " or " dynamic check token ".Dynamic check token can To be the token generated based on one or more items of information, described information such as, for example, letter associated with particular transaction point Cease (such as terminal identifier and/or merchant identifiers), information associated with the date and time merchandised and/or and trade gold Volume or the associated information of other trade details.

Token is examined to can also be and 106 associated static check token of particular transaction point.For example, unique identifier can To distribute to single point-of-transaction.

In certain embodiments, support the mobile device 102 of NFC is read to examine token (no matter it is static token, also Dynamic token) make information from support NFC mobile device 102 be sent to trade managing system 108 for be used for complete transaction. According to certain embodiment, data associated with examining token can make with identifying or selecting appropriate payment amount to be combined With the appropriate payment amount is for merchandising, for that will support the mobile device 102 (and its holder) of NFC and phase of merchandising It is associated with or for otherwise obtaining the information about the pending transaction with point-of-transaction 106.

Depicted in figure 1 in embodiment, NFC device 104 via communication interface 110 and point-of-transaction device 106 into Row communication, communication interface 110 allow point-of-transaction device 106 operate come (1) update be located in NFC device 104 NFC label (or Person simulates the device of one of a variety of NFC labels) or (2) from the NFC label of the mobile device 102 for receiving self-supporting NFC (or Person simulates the device of NFC label) read information.For example, communication interface 110 can be wireline interface (such as, for example, serial interface Mouthful etc.) or wireless interface (bluetooth, ZigBee etc.).According to certain embodiment, NFC device 104 can include with NFC The NFC label of data interchange format (" NDEF ") coding, such as, for example, according to ISO/IEC 14443A, FeliCa or ISO/ 1-type of NFC Forum Types, 4 label of IEC 14443.

Being sent to the data of NFC device 104 can include according to data interchange format (such as NFC forum datas exchange lattice Formula (" NDEF ")) format data.For example, point-of-transaction device 106 can be provided to allow data (such as static or dynamic State examines token) code of NFC device 104 is given to the transmission of following forms, the form allows NFC device 104 to the number According to being operated, so that the data (such as static or dynamic check token) are stored in the memory of NFC device 104 In, and can be accessed to be read by NFC device (mobile device 102 for such as supporting NFC).

In certain embodiments, for example, point-of-transaction device 106 can be provided is produced with encapsulating point-of-transaction device 106 The application program of raw (or otherwise for the access of point-of-transaction device 106) inspection token.Examine token that can seal It is attached in single NDEF message or one group of NDEF message, the NDEF message allows token data is examined to be provided to NFC dresses 104 are put in the NFC label for write to NFC device 104.According to certain embodiment, point-of-transaction 106 can generate every time Or NDEF message is generated during test for identification token.That is, in certain embodiments, generation or test for identification every time During token, point-of-transaction 106 is operated inspection token to be made to be written to the NFC label of NFC device 104 or is stored in the NFC label In.Token data is examined then can be transmitted to and supports the mobile device (such as device 102) of NFC for being used to carry out according to this The transaction of invention.For example, when the mobile device 102 for supporting NFC receives and examines token, it can be (all with operation information resolver Such as NDEF message parsers) it deconstructs message and payload (it includes examine token) is transmitted to application journey for processing Sequence.According to the present invention, examine token be delivered to mobile payment application program be further processed (it can include, for example, Token and other data will be examined to be sent to trade managing system 108 to allow trade managing system 108 by mobile device 102 and Being related to the transaction of point-of-transaction 106 is associated).

In certain embodiments, it examines token that can generate based on each transaction (or otherwise to know ) and (in such as message of NDEF message) NFC device 104 is not sent to it.For example, in certain embodiments, encapsulation inspection Transaction can be initiated to trigger or cause by cashier at point-of-transaction by testing the NDEF message of token.As another implementation Example, the NDEF message of package inspection and verification token can be by client'ss (or supporting holder of the mobile device 102 of NFC) to transaction 106 instruction client of point is desirable for mobile device and is traded to trigger or cause.

In certain embodiments, examine token less can continually generate (or otherwise identify) and (in such as message of NDEF message) is sent to NFC device 104.For example, in certain embodiments, static check token can Particular transaction point is uniquely identified to be generated (or being otherwise identified).Such static check token is without needle Each transaction is generated;On the contrary, token can be generated or identify as needed to ensure that token uniquely identifies point-of-transaction. In such embodiment, point-of-transaction 106 can encapsulate static check token data, and (disappear as needed in such as NDEF In the message of breath) it is sent to NFC device 104.

The data being encapsulated in NDEF (or other) message can include message type identifier, and (it can be for example NDEF specific types or self-defined message type).In addition, the message can include for NFC device read data and Data are carried out to act useful other information.

In certain embodiments, the NFC label in NFC device 104 is written into so that it is available in reader/write-in The mobile device 102 of the support NFC operated under device pattern or ad-hoc mode is read.It describes to be related to now with reference to Fig. 2 The example transaction of the embodiment of Fig. 1.

The processing of Fig. 2 is generally presented from the angle of trade company or other point-of-transactions.For example, trading processing 200 The merchant location that can have the point-of-transaction device 106 of NFC device 104 by having is performed or is performed at the merchant location. Processing is since 202 ing, 202, charges to the fund of commodity or service to be amounted to buying.Continue in 204 processing, 204, point-of-transaction device 106 (or office worker) prompting client selects payment options, and whether determine mobile payment option It is chosen.If mobile payment option is not selected, continue in 206 processing, 206, occur standard payment processing or Person completes the processing of purchase using another payment options.

If mobile payment option is chosen, continue in 208 processing, 208, point-of-transaction device 106 (or its His associated commerce system) it generates or otherwise obtains and examine token.For example, point-of-transaction device 106 can be operated To generate either distribution and the static state being used in combination or the dynamic check token of merchandising.In an exemplary and unrestricted reality It applies in example, point-of-transaction device 106 can create trade company's payment authorization request, and send the request to trade managing system 108, trade company's payment authorization request includes trade company and examines token, transaction amount and other transaction data (such as terminal marks Know symbol, date, time, the transaction data etc. enhanced).The request of trade company payment authorization then by trade managing system 108 (for example, As described in the co-pending application at us) for creating the pending transaction in merchant transaction queue.In certain realities It applies in scheme, as discussed in the co-pending application at us, examining token is sent from point-of-transaction device 106 's.On the contrary, examine token can by trade managing system 108 in response to being retrieved 208 from the message that point-of-transaction 106 receives, Generation or " lookup ".For example, token is examined associated with static check token table (can be received) 208 from by trade company ID It is searched.In certain embodiments, examine token that can receive trade company's payment 208 at it by trade managing system 108 It is generated during authorization requests, then examines token that a part for the response asked as trade company's payment authorization is returned to point-of-transaction 106.Although the processing at 208 is shown as including that token will be examined to be sent to trade managing system 108 from trade company, certain In embodiment, token is not sent 208, on the contrary, token is examined to be provided by trade managing system 108.

Continue in 210 processing, 210, inspection token can be made to be used for client via NFC device 104, so that Inspection token can be captured using the NFC reader in mobile device 102 by obtaining client.210, processing can include point-of-transaction Device 106 will examine token to be encapsulated into message (such as a NDEF message or multiple NDEF message) to be supplied to NFC The operation of device 104 (for example, so that NFC device is updated with data associated with examining token).Client then can example Such as by office worker (or by with 104 associated guide signing of NFC device) instruction in the range of NFC reader to NFC The touch point of device 104 or region tapping or the mobile device that their support NFC is presented.In mobile device 102 Mobile payment application program can provide confirmation signal either the message confirmation signal or message when from NFC device Data confirmed when being successfully read.

As described in the co-pending application at us, once token is examined successfully to be read by mobile device 102 It takes, the message comprising inspection token is just sent to trade managing system 108 from mobile device 102, it is thin for being used to pay Section is matched with the payment information of client.Processing at 212 point-of-transactions continues, and 212, point-of-transaction device 106 is (directly Or via intermediate system (payment gateway, point of sales system etc.) indirectly) from trade managing system 108 receive trade company branch Pay authorization response message.Trade company's payment authorization response message by trade managing system 108 certain client's associated process steps with And trade managing system associated process steps (being described in our co-pending application) complete after and The payment amount of client (using their mobile device 102) selection has been directed to purchase-transaction and generated after authorizing. Continue in 214 processing, 214, operation point-of-transaction device 106 causes the generation of receipts of transactions to complete to merchandise.These The sequence of message is provided merely for the sake of the purpose illustrated.In certain embodiments, trading processing can be by not Performed with order --- for example, the mobile device 102 that inspection token can be supported NFC is read in point-of-transaction 106 and transaction Initiation is handled before any communication between management system 108.

As described in the co-pending application at us, in certain embodiments, the processing of Fig. 2 can be repaiied Being changed to, which allows trade company to be sent trade company's payment authorization before calculating in transaction summation, asks.In addition, in such embodiment In, the mobile device 102 that client can operate their support NFC to be read to examine before calculating in transaction summation to enable Board.

According to certain embodiment, support the mobile device 102 of NFC that can be configured to write data into NFC device 104 will examine token or code to pass to point-of-transaction device 106.In such embodiments, the mobile dress of NFC is supported It puts 102 to be configured to be operated under NFC write device patterns, this, which enables, supports the mobile device 102 of NFC will be examined to enable Board or code are transmitted to point-of-transaction device 106.Certain existing payment schemes will be encrypted using the NFC abilities of mobile device Card holder's data transfer to payment terminal.As described in above background technology part, such scheme needs high Expensive and complicated encryption and certificate verification scheme pays to facilitate.Embodiment of the present invention is under pattern as shown in Figure 3 Such cost is avoided when being operated and is complicated, because being sent to the unique information of point-of-transaction 106 from mobile device 102 It is for the mobile device 102 for supporting NFC is associated with point-of-transaction 106 so that the pending transaction for being related to these devices can be with The static state or dynamic check token being uniquely identified.In certain embodiments, mobile dress of the token by support NFC is examined Put 102 before being traded (or period) obtained from trade managing system 108.In certain embodiments, token is examined It can be by the mobile device 102 of NFC be supported to obtain before the trade, and be cached for using.This allows according to this Even if the transaction of invention cannot get in touch in the mobile device 102 for supporting NFC during transaction with trade managing system 108 In the case of (for example, transaction location have available limited wireless or cellular connection in the case of) can also be held Row.

As shown in Figure 3, the transaction in such embodiment can continue as follows.It handles since 302, 302, the fund of commodity or service is charged to be amounted to purchase.Continue in 304 processing, 304, point-of-transaction device 106 (or office workers) prompt client to select payment options, and determine whether mobile payment option is chosen.If mobile branch It is not selected to pay option, then continues in 306 processing, 306, standard payment processing occurs or using another payment choosing Item completes the processing of purchase.

Continue in 308 processing, 308, client's selection is about the mobile branch in the mobile device 102 for supporting NFC Application program is paid to generate (or otherwise obtaining) inspection token and the inspection token is written and point-of-transaction device 106 The option of associated NFC device 104.The inspection token (such as passes through the contactless communication interface of Fig. 1 via wireless communication 112) it is written into NFC device 104 from the NFC device in the mobile device 102 for supporting NFC.Once token is examined by NFC device 104 receive, and point-of-transaction device 106 is just transferred to (via the interface 110 of Fig. 1) for for trade managing system 108 It is used when generating one or more message.For example, point-of-transaction device 106 can generate trade company's branch when receiving and examining token Request message is paid, which includes trade detail (including for example, transaction amount, merchant information, point-of-transaction Information etc.).Trade detail is sent to trade managing system 108 together with token is examined.The processing of transaction with above in association with figure Similar (and as described in co-pending application at the us) mode of 2 described modes continues.With this Kind mode, embodiment allows the mobile device 102 of NFC is supported to be traded under NFC write device patterns, without complexity , expensive and potentially unsafe encipherment scheme.

No matter the mobile device 102 for supporting NFC is that (as shown in Figure 3 as in) is operated under write device pattern or is being read It takes and (as in fig. 2) is operated under device pattern, embodiment all provides several advantages.For example, embodiment by around It crosses and makes it possible to realize around card mobile device and terminal using the needs of the safety element ability of NFC controller chip The payment scheme based on NFC of association, TSM, operator and mobile-phone manufacturers expenses and rule.In addition, embodiment allows The mobile device of the support NFC of all support reader/writer patterns is in the feelings for intending NFC and safety element without using snap gauge Have the function of that secured mobile payment and mobile quotation are redeemed under condition.Embodiment is also allowed for there is no for mobile device Contactless payment transaction is completed in the case of the wireless connection used without the use of snap gauge simulation models NFC.

The definite sequence for performing processing step is should not be read to imply to the description of processing in this article above.Phase Instead, these processing steps can be performed by practical any order, including being performed while at least some steps.

Those skilled in the art will realize that a variety of different hardware and software configurations can be used when reading the disclosure In the feature for realizing the present invention.As specific illustrative (and unrestricted) embodiment, point-of-transaction may be coupled to rope The RC-S801NFC dynamic labels (also referred to as FeliCa Plug) that Buddhist nun (SONY) provides.In certain embodiments, RC- S801NFC dynamic labels can connect to enable from external system (point of sale device etc.) acceptance inspection via wireline interface Board.Once being received, RC-S801NFC dynamic labels just can make inspection token data be present in the NFC label in RC-S801 On, and inspection token data can be made for by the mobile device of support NFC operated under NFC reader pattern 102 read.Reverse process is also supported.That is, RC-S801NFC dynamic labels can be operated receive by reader/ The value (such as examining token) that the mobile device 102 of the support NFC operated under write device pattern is provided.Several other Commercially available label can be configured as to be used in combination with the system of the present invention.

In certain embodiments, examine token that can use the NFC controls being present in many mobile devices for supporting NFC Device processed reads (or write-in).For example, many mobile devices are equipped with the NFC controls that can read and be written NFC label Device processed, such as NXP PN532.Such NFC controller can be with mock standard NFC label, this allows them to be used as point-of-transaction Device 106.That is, the mobile device 102 of the support NFC being configured in this way can be operated to supporting NFC Mobile device 102 present and examine token or the mobile dress from the support NFC with NFC reader/write device mode capabilities Put 102 acceptance inspection tokens.

It can also make solution and be present in many NFC controls for being equipped with and can reading and be written NFC label NFC controller in the NFC phones of device (can be obtained from NXP semiconductors (NXP Semiconductor)) works together.They are also Can be with mock standard NFC label, it means that they may be used as can to support NFC mobile device present examine token or Person is from the point-of-transaction device of the mobile device acceptance inspection token of the support NFC with NFC reader/write device mode capabilities. By allowing token is examined to transmit between such device, transaction according to the present invention can be performed.

Although having been combined specific exemplary implementation describes the present invention, however, it is understood that appended not departing from In the case of the spirit and scope of the present invention illustrated in claims, ability can be carried out to disclosed embodiment The obvious various changes of technical staff, replacement and the change in domain.

Claims (24)

1. a kind of system for carrying out payment transaction, the system comprises:
Point-of-transaction device, for the point-of-transaction device for identifying the information about transaction, the point-of-transaction device identifies the friendship Inspection token used in easily;And
NFC device, wherein:
The NFC device is configured as being communicated with the point-of-transaction device and receives the inspection from the point-of-transaction device Test token,
It is associated with the inspection token that the point-of-transaction device is configured as the generation after the inspection token is received Trade company's payment request,
The point-of-transaction device is configured as trade company's payment request being sent to trade managing system,
The NFC device is configured as being carried out more with information associated with trade detail under the control of the point-of-transaction device Newly, and
The NFC device is configured as wirelessly reading the NFC of the inspection token passing to the mobile device for supporting NFC Device, so that the mobile applications of the mobile device of the support NFC use, wherein, the mobile device of the support NFC NFC reader operates under reader/writer pattern.
2. the system as claimed in claim 1, wherein supporting NFC's described in use of the point-of-transaction device identification from client Mobile device carries out the request of the transaction.
3. the system as claimed in claim 1, wherein the NFC device is led to by wireline interface and the point-of-transaction device Letter.
4. the system as claimed in claim 1, wherein the inspection token the inspection token be sent to the NFC device it It is preceding to be received at the point-of-transaction device from remote transaction management system.
5. the system as claimed in claim 1, wherein the point-of-transaction device and the NFC device are formed as individual unit.
6. the system as claimed in claim 1, wherein the inspection token manages system at the NFC device from remote transaction It receives.
7. the system as claimed in claim 1, wherein the inspection token is to be distributed by the trade managing system to be used in State the static code of the transaction at point-of-transaction device.
8. the system as claimed in claim 1, wherein the inspection token is sent out by the point-of-transaction device in the inspection token It is generated before being sent to the NFC device.
9. the system as claimed in claim 1, wherein the inspection token is generated, and be supplied to the friendship by point of sales system Device is easily put for being sent to the NFC device.
10. the system as claimed in claim 1, wherein the step of receiving the inspection token from the point-of-transaction device includes inciting somebody to action The inspection token is encapsulated in message wrapper and the message wrapper is sent to the NFC device.
11. the system as claimed in claim 1, wherein the point-of-transaction device is the mobile device of the second support NFC.
12. a kind of system for carrying out payment transaction, the system comprises:
Point-of-transaction device, the point-of-transaction device is for letter of the identification about the transaction for being related to the point-of-transaction device and client The request of the mobile device payment of NFC is supported in breath, the use of the point-of-transaction device identification from the client;And
NFC device, wherein:
The NFC device is configured as communicating with the point-of-transaction device,
The NFC device is configured as wireless from the mobile device of the support NFC operated under reader/writer pattern Ground acceptance inspection token, when being located near the NFC device with the mobile device as the support NFC, by the inspection token The NFC device is written to,
The NFC device is configured as the inspection token passing that will be received to the point-of-transaction device in the completion friendship It is used when easily,
The point-of-transaction device is configured as according to the inspection token being written under the reader/writer pattern received To generate trade company's payment request associated with the inspection token, and trade company's payment request is sent to trade management System.
13. system as claimed in claim 12, wherein the inspection token is generated by trade managing system for the support The mobile device of NFC is used when being traded.
14. system as claimed in claim 13, wherein described examine token to be selected from for the mobile device visit for supporting NFC The inspection token for the multiple caches asked.
15. system as claimed in claim 12, wherein the point-of-transaction device is the mobile device of the second support NFC.
16. system as claimed in claim 12, wherein, trade company's payment request includes trade detail.
17. system as claimed in claim 12, wherein, the point-of-transaction device is additionally configured to from the trade managing system Receive payment authorization.
18. a kind of method for carrying out payment transaction, the method includes:
The purchase amount of money at point of sale device is amounted to;
Determine that mobile payment option is selected;
Generation trade company's payment request associated with examining token;
Trade company's payment request is sent to trade managing system;
The inspection token is updated with information associated with trade detail;
The inspection token is wirelessly sent to the mobile dress for the support NFC that client operates via NFC interface from NFC device It puts, wherein, the NFC reader of the mobile device of the support NFC operates under reader/writer pattern;And
Payment authorization is received from the trade managing system.
19. method as claimed in claim 18, wherein the payment authorization is in the mobile device for supporting NFC and described The inspection token has all individually been sent to the trade managing system later from the trade management by point of sale device What system received.
20. method as claimed in claim 18, wherein the NFC device passes through wired serial interface and the point of sale device It communicates.
21. a kind of method for carrying out payment transaction, the method includes:
The purchase amount of money at point of sale device is amounted to;
Determine that mobile payment option is selected;
From the mobile device acceptance inspection token of the support NFC of guest operation, the inspection token is via the support NFC NFC device in mobile device and the wireless communication receiver between the second NFC device for communicating of the point of sale device , the mobile device for supporting NFC operates under reader/writer pattern, in the mobile device of the support NFC The NFC device is written into the inspection token when being located proximate to the NFC device;
It is determined according to the inspection token being written under the reader/writer pattern received associated with trade detail Information;
Generation includes trade company's payment request of the inspection token and purchase-transaction data;
Trade company's payment request is sent to trade managing system;And
Payment authorization is received from the trade managing system.
22. method as claimed in claim 21, wherein described examine token by being operated in the mobile device for supporting NFC Mobile payment application program identification.
23. method as claimed in claim 21, wherein described examine token to be carried out by the mobile device for supporting NFC It is cached before payment transaction.
24. method as claimed in claim 21, wherein described examine token during the payment transaction is carried out by the branch Hold the mobile device identification of NFC.
CN201380037487.4A 2010-04-09 2013-05-14 NFC transaction processing systems and method CN104641388B (en)

Priority Applications (7)

Application Number Priority Date Filing Date Title
US201261646523P true 2012-05-14 2012-05-14
US61/646,523 2012-05-14
US13/731,348 US9400978B2 (en) 2010-04-09 2012-12-31 Methods and systems for selecting accounts and offers in payment transactions
US13/731,348 2012-12-31
US13/768,156 US9305295B2 (en) 2010-04-09 2013-02-15 Payment processing methods and systems
US13/768,156 2013-02-15
PCT/US2013/040953 WO2013173339A1 (en) 2012-05-14 2013-05-14 Nfc transaction processing systems and methods

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US7379921B1 (en) * 2004-11-08 2008-05-27 Pisafe, Inc. Method and apparatus for providing authentication
US20100125510A1 (en) * 2008-11-17 2010-05-20 Smith Steven M System and method of conducting transactions using a mobile wallet system
US20110066550A1 (en) * 2009-09-16 2011-03-17 Shank Clinton L System and method for a secure funds transfer
KR20110039946A (en) * 2009-10-13 2011-04-20 주식회사 아레오네트웍스 System and method for affiliate wireless settlement and program recording medium
US20110166992A1 (en) * 2010-01-06 2011-07-07 Firethorn Holdings, Llc System and method for creating and managing a stored value account associated with a client unique identifier
US8380177B2 (en) * 2010-04-09 2013-02-19 Paydiant, Inc. Mobile phone payment processing methods and systems
EP2577595A1 (en) * 2010-05-27 2013-04-10 Global Blue Holdings AB Validation method and apparatus
US8321345B2 (en) * 2010-06-02 2012-11-27 Visa International Service Association Trusted internal interface
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WO2013173339A1 (en) 2013-11-21
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BR112014028407A2 (en) 2017-06-27
EP2850572A4 (en) 2016-01-06
JP2015525383A (en) 2015-09-03

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