EP2599044A1 - Système et procédé de paiement sans argent liquide pour des achats faits sur un canal de télévision - Google Patents

Système et procédé de paiement sans argent liquide pour des achats faits sur un canal de télévision

Info

Publication number
EP2599044A1
EP2599044A1 EP11755129.1A EP11755129A EP2599044A1 EP 2599044 A1 EP2599044 A1 EP 2599044A1 EP 11755129 A EP11755129 A EP 11755129A EP 2599044 A1 EP2599044 A1 EP 2599044A1
Authority
EP
European Patent Office
Prior art keywords
payment
communication device
mobile communication
display unit
fact
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
EP11755129.1A
Other languages
German (de)
English (en)
Inventor
Emil HUBINÁK
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
SMK Corp
Original Assignee
SMK Corp
Hubinak Emil
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 SMK Corp, Hubinak Emil filed Critical SMK Corp
Publication of EP2599044A1 publication Critical patent/EP2599044A1/fr
Ceased legal-status Critical Current

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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/306—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using TV related infrastructures
    • 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

Definitions

  • the NFC reader is, but is not limited to, a communication element on the RFID basis (Radio-frequency identification) where the reader can be capable not only of reading NFC/RFID tags within a corresponding range; nevertheless under the NFC reader term we need to understand in general a transmitting and receiving device that in our case is an antenna located in such a way that it is able to communicate with devices that approach the display unit from the outside.
  • RFID Radio-frequency identification
  • the implementation of the NFC reader into the display unit enables the creation of a bilateral contactless communication channel with external devices, even with a mobile communication device, such as a mobile phone, PDA (Personal digital assistant), tablet or other similar devices can be part of the payment system described herein.
  • the mobile communication device is equipped with an NFC communication element. It can be either a NFC communication element embedded directly on a PCB (printed circuit board) board or it can be a mobile communication device with a slot in which is inserted a removable memory card with the NFC communication element.
  • the user will select the item he wants to buy over a display unit. In this way the user can rent a film, he can get an electronic file or even some goods that will be then sent to him through a courier or the item being purchased can even be a service.
  • the user can use the display unit's - TV receiver's - remote control. After the selection of the item, the user is asked to pay the corresponding amount.
  • the mobile communication device's menu the user launches the payment application that activates the NFC communications element and that makes the payment devices on the removable memory card accessible. The payment is realized after the mobile communication device is tapped to the display unit's NFC reader.
  • the subject of the required protection is also the way of payment itself. For this way of payment it is typical that the payment is confirmed at least by one tap of the mobile communication device to the display unit, which is namely in the form of a TV receiver.
  • POS payment terminal sensitive data such as encryption keys and identification data
  • POS payment terminal sensitive data must be stored in a protected part of the memory, preferably in so-called Secure Element, which has preset hardware features and receives a certification, thanks to which the corresponding parties are willing to store its sensitive data into these memory tools.
  • figure 1 there is a display unit in the form of a television receiver where one can select a purchase page using a remote control and subsequently select the required item.
  • the figures include examples of several locations on the television receiver in which the NFC reader could be placed. In reality one NFC reader on the outside surface might be enough, possibly it can also be placed as an external reader connected to the display unit.
  • the user inserts the removable memory card into the micro SD slot in the mobile communication device 4, which is shown on figure 2.
  • the user selects the item he wants to purchase on the display unit L In this case it is the B item - rent a movie.
  • the user confirms the selection and the request for the payment of the selected item B is displayed on the display unit L
  • connection according to this example enables on-line or even off-line payments.
  • off-line payments which have the payment amount limit set by a card issuer, or by the bank
  • the payment is made by one tap of the mobile phone 4 to the TV receiver J_.
  • the user taps the green LGM logo with his mobile communication device 4, to which the display unit 1 sends the initialization request with the requested payment amount.
  • the payment process runs in the POS terminal on the removable memory card and it results in an off-line payment cryptogram as if it was a common off-line payment between a standard POS terminal held by a merchant and a payment card of a paying user.
  • the payment cryptogram is sent to the NFC reader for further processing in the center 7.
  • the connection between the POS payment terminal and the payment card is disconnected on the software level and the resulting payment cryptogram must be sent over the connection 8 to the center 7, then the user taps the mobile communication device 4 to the NFC reader 2 on the display unit I for the second time.
  • the cryptogram is evaluated and in case of a positive result the rented film paid for is sent to the display unit I .
  • PDA personal digital assistant
  • SIM subscriber identity module
  • POS point of sale

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Telephone Function (AREA)
  • Telephonic Communication Services (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Une unité d'affichage (1), p. ex. sous la forme d'un téléviseur, est équipée d'un lecteur NFC (2), dont le signal est disponible sur la surface de corps de l'unité d'affichage (1). Un paiement, sous la forme d'un paiement en ligne ou hors ligne, relatif à l'article acheté (5) et qui est affiché sur l'unité d'affichage, est confirmé par au moins une commande du dispositif de communication mobile (4) vers l'unité d'affichage (1). Une application de terminal de paiement de point de vente, de préférence conforme à la norme EMV, est exécutée sur une carte de mémoire (3) amovible, insérée dans la fente du dispositif (4) de communication mobile; le cryptogramme de paiement résultant est envoyé à l'unité d'affichage (1), d'où il est transmis à un centre (7) à des fins de traitement, par la connexion (8) de réception du signal de télévision. L'élément de communication NFC du côté du dispositif (4) de communication mobile, peut être placé sur la carte de mémoire (3) amovible, ou même directement sur la carte de circuit imprimé.
EP11755129.1A 2010-07-30 2011-07-29 Système et procédé de paiement sans argent liquide pour des achats faits sur un canal de télévision Ceased EP2599044A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SK50034-2010A SK500342010A3 (sk) 2010-07-30 2010-07-30 System and method of cashless payment when purchasing through TV channel
PCT/IB2011/053395 WO2012014185A1 (fr) 2010-07-30 2011-07-29 Système et procédé de paiement sans argent liquide pour des achats faits sur un canal de télévision

Publications (1)

Publication Number Publication Date
EP2599044A1 true EP2599044A1 (fr) 2013-06-05

Family

ID=44645151

Family Applications (1)

Application Number Title Priority Date Filing Date
EP11755129.1A Ceased EP2599044A1 (fr) 2010-07-30 2011-07-29 Système et procédé de paiement sans argent liquide pour des achats faits sur un canal de télévision

Country Status (3)

Country Link
EP (1) EP2599044A1 (fr)
SK (1) SK500342010A3 (fr)
WO (1) WO2012014185A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106357589B (zh) * 2015-07-13 2019-12-27 腾讯科技（深圳）有限公司 一种可支配对象处理方法及装置

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP4131113A1 (fr) 2012-02-29 2023-02-08 Apple Inc. Procédé, dispositif et élément sécurisé pour effectuer une transaction financière sécurisée sur un dispositif
WO2013133764A1 (fr) * 2012-03-09 2013-09-12 Mediatek Singapore Pte. Ltd. Dispositif mobile et connexion de commande à distance pour dispositif électronique par l'intermédiaire d'une communication en champ proche
US10332081B2 (en) 2012-03-16 2019-06-25 Visa International Service Association Pin entry for internet banking on media device
CN102693441A (zh) * 2012-03-20 2012-09-26 杭州联众医疗科技有限公司 一种具有影像存储功能的医疗卡及其读写装置
KR102185363B1 (ko) 2012-08-24 2020-12-01 삼성전자주식회사 정보 제공 방법 및 정보 제공 시스템
CN104392352A (zh) * 2014-12-10 2015-03-04 京东方科技集团股份有限公司 智能穿戴设备和非接触支付方法

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040249726A1 (en) * 1999-12-21 2004-12-09 Linehan Mark H. Television commerce payments

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ATE364298T1 (de) 2000-03-10 2007-06-15 Visa Int Service Ass Chipkarten verwendendes system zum bezahlen im kabelfernsehen
FR2810132A1 (fr) 2000-06-08 2001-12-14 Robert Jean Henri Gastineau Paiement des produits et services offerts par les commercants sur le reseau internet par l'utilisation de la carte bancaire sur les boitiers des operateurs tv par satellite ou par cable
CN2747809Y (zh) 2004-12-09 2005-12-21 张锐 用数字电视遥控器实现联网在线支付的装置
CN1625257A (zh) 2004-12-09 2005-06-08 张锐 用数字电视遥控器实现联网在线支付的方法和装置
US20080099559A1 (en) * 2006-10-31 2008-05-01 Macronix International Co., Ltd. Dual Interface SIM Card Adapter with Detachable Antenna
CN101296361A (zh) 2007-04-24 2008-10-29 谢鑫 一种用互动电视机顶盒缴费的方法及装置
US20090037326A1 (en) * 2007-07-30 2009-02-05 Sriram Chitti Virtual Card Selector for a Portable Electronic Device
EP2068565A1 (fr) 2007-12-07 2009-06-10 Gemplus Module d'identité d'abonné et serveur de diffusion associé, adaptés pour gérer des programmes d'une durée non déterminée
CN101308558A (zh) 2008-04-28 2008-11-19 保定广联数字新媒体有限公司 一种数字电视电子商务系统

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040249726A1 (en) * 1999-12-21 2004-12-09 Linehan Mark H. Television commerce payments

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106357589B (zh) * 2015-07-13 2019-12-27 腾讯科技（深圳）有限公司 一种可支配对象处理方法及装置

Also Published As

Publication number Publication date
SK500342010A3 (sk) 2012-03-02
WO2012014185A4 (fr) 2012-03-22
WO2012014185A1 (fr) 2012-02-02

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