CZ298455B6 - Identification and virtual payment tool - Google Patents

Abstract

By making use of an identification and virtual payment tool according to the present invention there is created a payment and identification system consisting of a user having a personal SIM card in his/her cellular phone and a personal Internet-connected computer of a transaction verifier provided with a scanning device and a system operator server with the user-related data stored therein, whereby the individual elements of the system are interconnected and the user identifies himself/herself in the system relative to both the verifier and the operator by a bar code generated by the operator and located in the SIM card of his-Her cellular phone or directly in the cellular phone storage. Sufficient is a PC with Internet connection and a scanning device or connection of the cellular phone with the PC through a cable, an infrared port or wireless (Bluetooth). The bar code functioning as acknowledgement of the transaction is sent off in such a manner. Implementation of the transaction as acknowledgement of a payment or as acknowledgement of a payment for goods or services on Internet is carried out by sending the information directly back to the PC being connected by one of the aforementioned options with the cellular phone. The mobile phone display may even show acknowledgement of the transaction reporting for instance an actual balance of the user account. The above-described system replaces entering of the transaction on the keyboard of the user mobile phone, which procedure is currently used by the bank payment systems.

Description

Technical field

The invention relates to the field of mobile communication, whereby a mobile phone as an identification and virtual payment instrument is newly used in all possible fields, ie as a substitute for a payment card, immediate payment for services and products and the like.

BACKGROUND OF THE INVENTION

The currently used payment instrument (payment card) is inoperative. The user uses multiple payment cards for the same purpose, which is complicated for him and does not bring any effect to carry more when they can be replaced with only one instrument.

The payment card is susceptible to loss and misuse, and its providers 15 are unable to operatively protect the funds in the accounts. The card is blocked only 24 hours after the card has been reported. And in the case of so-called irons, you will not be blocked for several weeks. The card is valid for a limited period of time, usually for 1 to 2 years. Also, publishing is tedious and for a relatively high fee. You can pay with such a card only where 20 have a payment terminal or an iron. Payments for goods and services on the Internet are even more complex with these cards, and moreover, operators of these payment systems generally refuse cards issued in post-communist countries because of the frequent occurrence of payment fraud.

WO 02/086785 discloses an advanced solution for the payment system of a client with a merchant through a banking system. The solution includes an internet and wireless networks, an interconnected mobile terminal, an on-site computer with a scanner and a banking system server. The client is represented by an 18-digit BAR code stored in his mobile terminal. The first two digits of this BAR code indicate the client's bank, the next 14 digits identify the client itself, and the last 2 digits cover the checksum needs.

The disadvantage of this system is that it is applicable exclusively to banking institutions and exclusively to payments from a client's account with a bank. This system is not applicable to any other services. Another disadvantage is that after reading the BAR code by the scanner, the client must enter the PIN (or password) into the dealer terminal for the transaction to take place, which accurately copies the used confirmation for payment cards. Another disadvantage is that the system is strictly linked to the 18-digit BAR code, which reduces system variability.

From the annotation of KR patent No. 1020030039241, a device and method for clearing a price using a BAR code stored in a mobile communication terminal is known, in which the mobile communication terminal wirelessly sends a request for receiving a BAR code which displays on the display after wireless reception, processing and storage. The wireless BAR code request is forwarded via WAP to the WAP server, which forwards the BAR code to the server that creates the desired BAR code and sends it back to the WAP server, which delivers the desired BAR code to the appropriate mobile communication terminal. The mobile communication terminal displays the BAR code and reads it to the billing system reader. The device also includes other elements such as mail server, clearing server, SMS server, etc., which makes it a rather complex system, applicable in principle only to payment operations, essentially just as (real-time) additional authorization of payment payment card operations, as the system aims to prevent damage resulting from the loss or misuse of a payment card or the imprudent use of a payment card.

GB patent application No. 2,362,012 discloses a system for use not only in a bank, but also on the side of a credit card company. It uses the BAR code, which is issued once

Always for each individual action (payment, ticket, etc.). For this purpose, the client must have a special program installed in his / her mobile communication device, which will ensure connection with the bank or card company and also download and display of the one-time issued BAR code, which subsequently identifies the client. The main disadvantage of this system is always the new issue of BAR code for each individual operation and the necessity to always request this BAR code and download the client's mobile communication equipment with a special program, thus increasing costs on the part of the bank or card company. secure data connection of the client's mobile communication device with the bank or card company server.

It is an object of the invention to simplify the system of using BAR codes for payments and for client identification.

SUMMARY OF THE INVENTION

The object of the invention is achieved by an identification and virtual payment instrument, which consists of a system consisting of a user with a personal SIM card in his mobile phone, a transaction verifier's personal computer equipped with a scanning device connected to the Internet and a system operator's server with stored data The individual elements of the system are interconnectively informable with each other in that the user identifies in the system both the verifier and the operator with a bar code generated by the operator and stored in the SIM card of his mobile phone and / or directly in the mobile phone memory.

This system at the access points (stores, entrance controls to protected areas, financial institutions, sports clubs and payments for ticket services, subscriptions, instant payments with confirmation, payments on the Internet) identifies the user for the purpose of entry or payment by generates an assigned barcode generated by the system operator by entering the password-code on the mobile phone with its SIM card. This barcode reads the scanning device that is part of an Internet-connected PC and sends a request to release the money from the ON-LINE user account based on the billed payment in the merchant's cashier system (verifier). In a fraction of a second, the server sends the operator a response to a request that he / she has verified on the user's account (s), back to the verifier with transaction authorization and execution by deducting it from the user's account and rejecting the transaction.

The advantage of the system lies in its simplicity of application. All you need is a PC with an Internet connection and a scanning device or a mobile phone with a PC via cable, infrared or wireless (Bluetooth). This will send a barcode as a transaction confirmation. The transaction is executed as a payment confirmation or as a payment confirmation for goods or services on the Internet by sending the information directly back to the PC connected by one of the options directly to the mobile phone. A transaction confirmation may also appear on the mobile device, including, for example, the current account balance. The system described will replace the problematic and lengthy entry of transactions on the user's mobile device keyboard currently used by bank payment systems.

DETAILED DESCRIPTION OF THE INVENTION

An exemplary embodiment of an identification and virtual payment instrument according to the invention is a system applicable at access points such as a store where the seller identifies a user for payment by generating a comma-entered comma password on a mobile phone with his SIM card. code generated by the system operator. This barcode reads a scanning device that is part of an Internet-connected PC and sends a request to release the money from the ON-LINE user account based on the bill

-2GB 298455 B6 payments at the merchant (verifier) cashier system. In return, the server sends the operator a response to the question he / she has verified on the account, back to the verifier with the transaction authorization and execution by deducting it from the user's account and, in the event of insufficient account balance, rejecting the transaction.

Claims (5)

PATENT CLAIMS An identification and virtual payment instrument, comprising a system comprising a user with a personal SIM card in his mobile phone, a transaction verifier's personal computer equipped with a scanning device and connected to the Internet, and a system operator's server with stored user data, the individual elements of the system are interconnectively informable with each other, in that the user identifies himself in the system in relation to both the verifier and the operator by the operator generated bar code stored in the SIM card of his mobile phone and / or directly in the mobile phone memory. Identifying and virtual payment instrument according to claim 1, characterized in that the user in the system is a system member requiring virtual execution of a transaction defined and feasible by the system. Identification and virtual payment instrument according to claim 1, characterized in that the verifier in the system is a system element authorized to verify the assigned bar code with the help of a scanning device and a personal computer connected to the Internet, and the verifier can also be the system operator. Identifying and virtual payment instrument according to claim 1, characterized in that the system operator is a system member handling the stored user data and authorized to respond to a user request for a transaction for which a user has already been identified by the verifier and obligatory send a confirmation of execution or non-execution of the transaction back to the system. Identifying and virtual payment instrument according to claim 1, characterized in that the transaction in the system is a user-specified transaction performed by the system, wherein the transaction is a payment transaction characterized by a cash flow and / or identification to identify the user and / or informative. multilateral financial flow.