EP2885752A1 - Procédé et système pour l'exécution d'une transaction financière - Google Patents

Procédé et système pour l'exécution d'une transaction financière

Info

Publication number
EP2885752A1
EP2885752A1 EP13762756.8A EP13762756A EP2885752A1 EP 2885752 A1 EP2885752 A1 EP 2885752A1 EP 13762756 A EP13762756 A EP 13762756A EP 2885752 A1 EP2885752 A1 EP 2885752A1
Authority
EP
European Patent Office
Prior art keywords
transaction
customer
merchant
customer device
financial
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.)
Withdrawn
Application number
EP13762756.8A
Other languages
German (de)
English (en)
Inventor
Tobias PFÜTZE
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.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of EP2885752A1 publication Critical patent/EP2885752A1/fr
Withdrawn legal-status Critical Current

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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
    • G06Q20/322—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
    • G06Q20/30—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]
    • G06Q20/3224—Transactions dependent on location 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
    • G06Q20/30—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
    • G06Q20/38—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
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • 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
    • G06Q2220/00—Business processing using cryptography
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

Definitions

  • the invention relates to a method and a system for carrying out a financial transaction by a financial service provider according to the preamble of claims 1 and 14.
  • US 2009/0094123 A1 discloses a method for carrying out a financial transaction between a customer and a merchant, in which a customer device consisting of a mobile telephone or a smartphone (Personal Digital Assistant - PDA) and a merchant device, the from a mobile telephone, a smart phone or a point-of-sale terminal (POS terminal) with peripheral devices, such as bar code readers, magnetic stripe readers, memory, printers, Near Field Communication (NFC), exchanging data with a personalized payment system via a communication network.
  • POS terminal Point-of-sale terminal
  • peripheral devices such as bar code readers, magnetic stripe readers, memory, printers, Near Field Communication (NFC), exchanging data with a personalized payment system via a communication network.
  • NFC Near Field Communication
  • transaction data are entered into the merchant device which contain an identification of the products desired by the customer and their purchase price, which are recorded, for example, by means of a barcode scanner, optionally a product description, a subtotal and a final amount that includes the VAT.
  • the transaction data may include the identification numbers of the merchant device, the customer device, and a unique identifier. After the customer has communicated the phone number of his customer device to the merchant, the transaction data is transferred from the merchant device to the customer device. Then, using the customer device's transaction data, the customer directs the payment system to execute the transaction so that the transaction amount is transferred from his customer account to the merchant account using the transaction data received from the merchant device.
  • the merchant hands over the purchased products to the customer at the conclusion of the transaction.
  • the transaction information may be transmitted from the merchant device to the customer device via near field communication (NFC) or from the merchant device to the payment system, which forwards the transaction data to the customer device ,
  • NFC near field communication
  • the present invention has for its object to provide a method for carrying out a financial transaction by a financial service provider, in which the use of a mobile communication device at the customer and a mobile or stationary communication system at the dealer maximum security in the data transmission is guaranteed and in particular no abusive sensitive data is exchanged between the customer's mobile communication device and the dealer's mobile or stationary communication system.
  • the solution according to the invention ensures the highest possible security in the data transmission between a mobile communication device of a customer and a mobile or stationary communication system of a merchant and avoids the exchange and the transmission of sensitive data for carrying out a financial transaction through a financial services provider system.
  • a mobile customer device and a mobile or stationary merchant system are connected via a communication network to a management server in the financial services provider system,
  • an identification number (PIN) assigned to the customer device by the financial service provider system is entered into the customer device and the identification number (PIN) is checked by the financial services provider system,
  • a transaction character is generated by a random generator connected to the management server and sent to the merchant system,
  • the singular transaction character is not dependent on a sequence of data from the transaction process, but is issued as a singular string by a random generator, which is provided in particular only for the trader involved in the transaction.
  • the singular transaction character is generated not by the merchant system, but by the management server of the independent financial services system and transmitted to the merchant system, so that after entering the identifying transaction sign into the financial service provider system of the party to be identified clearly on the financial Transaction involved parties. The following process steps are carried out to bring together the dealer and the customer or the dealer system and the customer device as well as to locate the customer:
  • the financial transaction includes the steps
  • the merchant may offer the customer an express check-out where the financial transaction is released later and blocked in the customer device until then Dealer system continues to communicate with the system of the financial service provider.
  • the management server of the financial service provider system assigns a static or dynamic identification number to the customer device - the transaction identification number
  • the management server generates a singular transaction character for the customer account assigned to the customer
  • Identifying the customer in the financial services system by entering, scanning or otherwise transmitting (e.g., by NFC) the customer device identification number to the merchant system,
  • the transaction character includes, directly or in encrypted form, a name of the customer, the merchant, the merchandise or service offered by the merchant, the merchant location and the amount of the financial transaction and consists, for example, of a string of numbers, letters to be entered by the customer into the customer device and / or special characters or from a bar code, a matrix code (QR code) or a graphic which is scanned by the merchant system with the customer device and sent to the management server in the financial services provider system.
  • QR code matrix code
  • a financial transaction supervised and executed by the financial services provider system is preceded by a registration process in which the merchant system and the customer device are registered in the financial services system.
  • the financial services provider system assigns an identification PIN to the customer device after registration of the customer device with the financial service provider system by linking the customer device with personal, sensitive data of the customer.
  • the geodata of the customer device are determined and the customer is prompted by the financial services provider system to select a merchant from a merchant suggestion list sent by the financial services provider system to the customer device or to validate a merchant proposed by the financial services provider system, including the merchant suggestion list or proposed merchant from the financial services provider system the geodesics of the customer device are determined.
  • the customer may access a merchant database listing multiple merchants and select a merchant listed therein.
  • the financial services provider system may determine the geodesic of the merchant system and store it for a period of time as a point-of-sale (POS) location. If the determination of the geodesic of the merchant system or customer device fails, instead of coupling the merchant and customer device via the management server in the financial service provider system, a direct coupling of merchant system and customer device can be carried out by authenticating the customer and merchant by means of near-field Communication (Near Field Communication - NFC).
  • near-field Communication Near Field Communication
  • a system for performing a financial transaction by a Payment Service Provider comprising a customer's mobile communication terminal (customer device) and a merchant's mobile or stationary communication system (merchant system) via a communication network with a management server connected in a financial services system, as well as to locate the customer is through
  • PSP Payment Service Provider
  • the system includes for performing a financial transaction through a financial service provider
  • the customer device is preferably connected to the management server of the financial services provider system via a communication network in the form of a radio network and the merchant system via a communication network in the form of a radio network or stationary network, which has a random generator connected to the management server for generating a singular or complex transaction network.
  • the financial service provider's management server is connected to the random number generator via a local area network, a payment server / network server, a PCI-DSS secure server, and a web application server.
  • the dealer system can either from a mobile phone or smartphone, which are connectable via a wireless network with the management server of the financial services system, or from a Point-of-sale terminal (POS terminal) with peripheral devices, wherein the peripheral devices may include a bar code reader, magnetic stripe reader, memory and / or printer.
  • the merchant system may include a random generator for generating transaction data. For immediate identification of the customer device and merchant system, both may have a Near Field Communication (NFC) device.
  • NFC Near Field Communication
  • Fig. 1 is a schematic representation of a system for carrying out a
  • FIG. 2 is a flowchart of the procedure of an identification process of FIG.
  • FIG. 3 is a flowchart of the process of a financial transaction with registration and activation of a customer device in the system of the financial service provider;
  • FIG. 5 is a flowchart of the process of merging dealer and
  • FIGS. 6a and 6b are flowcharts of the flow of the variants according to FIGS. 2 to 5 summarizing financial transaction and
  • the schematic representation of a system for performing a financial transaction through a financial services provider system with authorization function comprises a customer device 101 consisting of a mobile communication device, such as a mobile phone, a PDA, or the like.
  • the customer device 101 has a screen 102 and a data input device 106, which can consist of a keyboard or a touch-sensitive screen, and is able to communicate with a management server 104 of a financial services provider system 100 via a mobile radio network as a communication network 105 exchange.
  • a dealer system 103 located at the point of sale (POS) consists of a computer system, for example in the form of a cash register system which can be connected to the communication network 105, for example the Internet or a mobile network, in a mobile and / or stationary manner and communicates with the management Server 104 of the financial services system 100 allows.
  • the dealer system 103 has its own PIN generator and is designed as a mobile or stationary communication device that consists of a mobile telephone, a PDA or a point-of-sale terminal (POS terminal) with peripheral devices, such as bar code readers, magnetic stripe readers, Memory, printer, near field communication (NFC) transceiver unit, etc.
  • the merchant may operate a stationary or mobile store, e-commerce, or mail-order business.
  • Client device 101 and merchant system 103 are over the communications network 105 is connected to the management server 104 in the financial services provider's system 100.
  • the management server 104 is connected via a local area network (LAN) 108 in the financial services provider system 100 to a random number generator 107, preferably with each merchant system 103 own random generator 107 assigned.
  • the system of the financial service provider further comprises a payment processor server / network 109, a PCI-DSS secure server 1 10 and a web application server 1 1 1, which are also connected to the local network 108 of the financial services provider system 100.
  • the customer receives access to a network-based application offered by the financial service provider by entering a PIN (Personal Identification Number).
  • PIN Personal Identification Number
  • the customer only receives access to sensitive data, such as credit card information and the like, and can only change it after entering a different password to the financial services provider's system 100 that meets higher security standards than the PIN, for example by using uppercase and lowercase letters, at least a number, a maximum of three digits in a row, at least one symbol and so on.
  • the personal and sensitive data of the customer are not accessible after the PIN-based identification even during the payment process.
  • the method of conducting a financial transaction is typically initiated by having the customer bring a good or service to a point of sale at the merchant location, which may be a cash register, an electronic shopping cart at an Internet store, or the like.
  • the merchant in the form of a cashier, a screen display, a customer facing sales terminal or the like starts the financial transaction by adding the purchase prices of the purchased goods or services.
  • the application is started by the customer on the customer device in the first method step 201 and the customer is requested by the financial service provider system 100 to log in with a personal identification number (PIN) in step 202.
  • PIN personal identification number
  • step 203 a connection between the mobile customer device 101 and the management server 104 is received via the communication network 105, and the management server 104 determines the geodata of the customer device 101.
  • the customer can resort to near field communication (NFC), whereby a unique determination of the customer is ensured by the singular assignment of an NFC chip to a specific customer account.
  • NFC near field communication
  • the management server can access the NFC chip and describe it, a dynamic assignment of an identification number to a specific customer account is conceivable.
  • the ma Management server 104 in the system of the financial service provider a request from the dealer NFC card reader and thus can also identify the dealer system 103 clearly.
  • Another possibility for merging the customer device 101 and the merchant system 103 for the financial transaction is the use of an image or scanning technology, in which the customer device 101 is a scanner provided at the point of sale of the merchant location or an image displayed there by the customer device 101 is received and sent to the management server 104.
  • the management server 104 Should the management server 104 neither obtain geographic information from the customer device 101 nor establish any of the above connections between the customer device 101 and the merchant system 103, the customer will still be able to perform a database query, provided the customer device 101 has an internet connection, and Select the dealer he wants to pay at the moment.
  • the system of the financial service provider If the system of the financial service provider has recognized the geodesic of the customer device 101 and thus the current location of the customer device 101, it is able to generate a list of registered merchants, so that the customer or user of the customer application in the alternative step 205 from the System of the financial service provider to the customer device 101 can select the desired transaction partner or dealer.
  • This list is generated from data queried during the dealer's registration process.
  • the customer is offered a selection of dealers in a given radius around the determined geodesics of the customer.
  • the customer confirms a merchant specified by the system of the financial service provider, if this is the only dealer within the specified radius of the customer.
  • the merchant prompts the customer to select a payment method on the merchant system 103.
  • platforms such as point of sale software systems, Internet shops and the like enable the customer to handle the Payment process.
  • the selection is made by the customer on the dealer system 103, for example, by pressing a button, touching a button of a touch-sensitive screen, verbally communicating with the dealer, or the like.
  • the merchant sends via the merchant system 103 in method step 208 an authorization request for the financial transaction via the communication network 105 to the management server 104 of the financial services provider system 100, wherein the authorization request may include portions of the data or information about the transaction, as well as a singular merchant identifier generated by the system of the financial service provider.
  • the random generator 107 generates a singular transaction character for the financial transaction concerned, consisting of numbers, letters, symbols, or binary characters, combining the merchant identification with geographic information, the date and time of the financial transaction, such that it is valid only for the one-time specific meeting of merchant and customer and for the specific transaction.
  • step 210 the management server 104 sends the transaction to the merchant system 103.
  • the customer is prompted to enter the transaction characters issued to the merchant system 103 from the system of the financial service provider in his customer device 101.
  • the transaction data such as date, time, total amount of purchased goods or services are sent to the customer device 101 and the customer is requested to confirm the transaction data. If the customer has deposited several bank accounts / credit cards and the like in the system, the customer can now select the payment method desired by him and redeem any collected coupons, vouchers and the like.
  • step 213 the transaction process is initiated by the management server 104 in the financial services provider system, wherein the payment processor server 109 installed at the financial service provider uses various systems for estimating the transaction risk.
  • step 214 the financial transaction is settled and the system of the financial service provider sends transaction confirmations to the customer device 101 and the merchant system 103. If the review of the transaction process is unsuccessful, the customer will be prompted to choose a different payment method, such as cash, credit card payment, and the like, as in rejecting the "mobile payment" option at step 215
  • step 301 The flowchart of the flow of an optional identification procedure illustrated in FIG a customer with activation of the customer account at the financial service provider is initiated in step 301 by the registration of the mobile communication device of the customer (customer device 101) in the system of the financial service provider, for example, the customer via a web interface in the system of financial log in.
  • a software component for example an app (application) on the customer device
  • an unambiguous assignment of the customer device 101 to a specific customer user account can be ensured.
  • step 302 the customer enters sensitive, personal data such as the person's biometric characteristics, the passport number or the like into the web interface in the financial services provider system. These data will be linked to the relevant customer device 101 if they have been registered in the system of the financial service provider.
  • method step 303 a legally binding contract is concluded between the customer and an institution, for example a bank, which requires unambiguous identification. This can e.g. a loan agreement or similar be.
  • the identification process is started, wherein the customer can basically choose between different types of identification. This can e.g. the personal "on-site" identification by signature, copy of the passport or the like or else the so-called post-identification method of Irish Post.
  • step 305 the institution integrates the system of the financial services provider and the client selects the system of the financial services provider upon completion of the legally binding contract between the client and the institution.
  • the management server 104 of the system of the financial service provider generates an identification PIN for this specific identification process in method step 306 and, in method step 307, sends the identification PIN to the financial institution which stores the identification PIN the customer communicates, which inputs the identification PIN in step 308 for comparison in the software / application on his client device.
  • the management server of the system of the financial service provider checks whether the data of the identification process actually match the stored data of the customer and sends in case of success in step 310 a success message to the systems involved or asks the customer to evade on another identification system and terminates the identification process in step 312.
  • a network of independent identification centers is provided, which are provided by the financial service provider.
  • special devices are set up, which are e.g. capture biometric data of the customer, take fingerprints, make a copy of the passport, etc. Then, this data can be assigned to the customer device (smartphone or other computer-like system).
  • the flow chart of the flow of a financial transaction without selection of the merchant involved in the financial transaction, in conjunction with a complex transaction character and an express checkout, starts with the method steps 401 to 403 analogously to the method steps 201, 202 and 206 of the flow of a financial transaction shown in FIG. 2 with authorization by the financial service provider system in that the application is started by the customer on the customer device in the first method step 401 and the customer is asked in step 202 by the financial services provider system, with his personal identification number (PIN) logged.
  • PIN personal identification number
  • method step 403 the customer selects the payment method desired by him directly on the merchant system.
  • the merchant system already transfers data from the shopping cart to the financial services provider's management server with the selection "mobile payment" in method step 404.
  • This data can be, for example, the price of article X, designation of article X, total price of the shopping cart, and the like Total price must be transferred to the financial service provider system.
  • the following method steps 405 to 407 again correspond to the method steps 208 to 210 of the financial transaction described in connection with FIG. 2 in that the merchant uses the merchant system 103 in the method step 405 to make an authorization request for the financial transaction via the communication network 105 to the management server 104 of the financial services provider system, and in step 406, the random generator 107 generates a singular transaction character for the financial transaction concerned, which the management server 104 transmits to the merchant system 103 in step 408.
  • the transaction character together with a unique identifier of the merchant system is displayed on the merchant system in the "complex", for example as a graphic or matrix character (QR code) in scan technology.
  • QR code graphic or matrix character
  • the representation of the complex transaction and identification character on the merchant system thus takes place instead of the method steps 203 to 205 of the financial transaction described in connection with FIG. 2 and serves the customer friendliness, so that an authentication by means of near field communication can be dispensed with, what certain Hardware components on the customer device requires.
  • an authentication by means of near field communication can be dispensed with, what certain Hardware components on the customer device requires.
  • By using graphics, matrix symbols and scanning technologies, longer and unambiguous identification marks of the merchant systems can also be transmitted to the customer.
  • These complex transaction and identification characters contain additional information in addition to the singular transaction character.
  • the transaction character transmitted to the merchant system in method step 405 contains the data of the financial system transmitted by the merchant system to the financial services provider system.
  • nanz transaction ie at least the total amount of the customer's desired shopping cart, contains and manually entered or scanned by the customer data with the complex transaction and identification in addition to the transaction generated by the financial service provider system and sent to the merchant system transaction sign and the identification sign of the merchant system, the customer may choose an "express checkout" offered by the merchant in step 409, where the customer and the merchant may continue to take advantage of a possible offline transaction and release the financial transaction at a later time and until At this time, the customer device is "blocked" while the merchant system continues to be able to communicate with the system of the financial service provider.
  • a credit line is set for the customer
  • the merchant offers the customer express checkout during the identification and transaction process
  • the application sends a success or error message to the dealer system, which should be shown to the dealer and confirmed by his side in the customer device and
  • the transaction is carried out as soon as the customer device reconnects to the management server of the system of the financial service provider.
  • the uniqueness of the customer or dealer requests and the transmission of information is given, since each system and device involved in the transaction and identification process is assigned a specific identification character.
  • the customer may enter the minimum amount of information by manually entering the transaction mark and the merchant system identification mark or by reading out by camera / scanning technology using the customer device 101 if no express checkout is desired or offered by the merchant.
  • the linking of the customer device 101 has been carried out with the merchant system 103 and the management server 104 can uniquely assign the data received in step 405 with the request of the merchant transaction data, the transaction data in step 41 1 send to the customer device 101 and a confirmation of Request transaction on the customer device 101.
  • the transaction process is initiated by the management server 104 in the financial services provider system, the payment processor server 109 installed at the financial service provider using various systems for estimating the transaction risk.
  • the financial transaction is settled and the system of the financial service provider sends in process step 413 transaction confirmations to the customer device 101 and the dealer system 103.
  • step 416 Transaction confirmations to the merchant system 103 and the customer device 101 in step 413 as well as to the customer-directed request to select a different payment type in step 415, the transaction process is completed in step 414.
  • another payment method such as cash, credit card payment, and the like
  • FIG. 5 The flow chart shown in FIG. 5 of the process of a financial transaction in stationary trade, which can be carried out on the customer side in offline mode, starts with the method steps 501 to 502 analogously to the method steps 201, 202 and 401, 402 of FIG. 2 and FIG. 4 shows a financial transaction with authorization by the financial services provider system in which the application is started by the customer on the customer device 101 in the first method step 501 and the customer is asked in step 502 by the financial service provider system to log on with his personal Login number (PIN).
  • PIN personal Login number
  • a transaction identification number is assigned to the customer device. This can be static as well as dynamic and can consist of numbers, letters, symbols or binary signs. In the case of dynamic allocation, each client device is assigned an additional random number generator.
  • a singular transaction character is generated and assigned to the customer before the transaction process. To ensure a high level of security, these customized, singular transaction characters can be updated and exchanged over time. Furthermore, the two separately operating systems of generating the customer's dynamic transaction identification number and the dynamic system of generating singular transaction characters provide an additional level of security.
  • the customer selects directly from the merchant system 103 the payment method desired by him.
  • the merchant system With the selection "mobile payment” in method step 506, the merchant system already transfers data from the shopping cart to the financial services provider's management server, for example, the price of article X, designation of article X, total price of the shopping cart, and the like at least the total price must be transferred to the financial services provider system.
  • the customer first has to identify himself by the merchant system at the financial services provider system in method step 507.
  • the customer enters the customer-specific transaction identification number on the merchant system 103, for example by pressing a button, touching a button of a touch-sensitive Screen, through verbal communication with the dealer or the like.
  • a QR code, bar code scanner, an NFC receiving unit or the like of the merchant system 103 reads out the customer-specific transaction identification number from the customer device 101 and transmits it to the financial service provider system.
  • the management server 104 can unambiguously associate the data of the transaction obtained in the method step 507 with the request of the merchant.
  • method step 508 the customer is now requested to provide the singular transaction character already generated for him to the merchant system.
  • the input may take place by pressing a button, touching a button of a touch-sensitive screen, verbally communicating with the dealer, or the like.
  • the management server receives this information and can now compare in method step 510 whether the entered singular transaction character with the Transaction ID number of the customer. If the verification and reconciliation of the transaction data is unsuccessful, the customer will be prompted, as in the case of a rejection of the option "mobile payment" in step 509, to select a different payment method, such as cash payment, payment by means of a credit card and the like
  • method step 51 1 the transaction process is initiated by the management server 104 in the financial services provider system, wherein the payment processor server 109 installed at the financial services provider uses various systems for estimating the transaction risk.
  • the financial transaction is settled and the system of the financial service provider sends in process step 512 transaction confirmations to the customer device 101 and the dealer system 103.
  • step 509 If the verification of the transaction process is unsuccessful, the customer will be prompted to choose another payment method, such as cash, credit card payment, and the like, as in rejecting the "mobile payment" option at step 509.
  • another payment method such as cash, credit card payment, and the like
  • FIGS. 6a and 6b show the flow of a financial transaction, which comprises a part of the identification and transaction methods described with reference to FIGS. 2 to 4, by means of a flowchart.
  • the customer logs into the system of the financial service provider in method step 602 and is requested by the financial services provider system to log in with a personal identification number (PIN).
  • PIN personal identification number
  • the financial services provider system checks whether the customer device is registered in the system and the PIN can be assigned to the customer device. If this is not the case (N), the customer device can be registered in the system in step 604 and linked with personal data, during the transaction process, inter alia, with information about the bank account, the credit card and the like.
  • the process illustrated in the flow chart of FIG. 3 is a possible option for registering and linking personal data with the customer device, eg a smartphone. Subsequently, the customer can log in with the PIN assigned to him.
  • step 605 If the customer device is registered in the system (J), the customer can immediately select a payment method in the merchant system and jump to step 610. Otherwise, the system of the financial service provider checks in step 605 whether geodesics of the customer device are available. If this is the case (J), the geodesic of the customer device is detected, so that the current location of the customer device is recognized and used to create a list of registered dealers. The customer or user of the customer application can then select in step 606 from the list transmitted from the system of the financial service provider to the customer device the desired transaction partner or dealer.
  • the customer is offered a selection of dealers in a predetermined radius around the determined geodesics of the customer or alternatively the customer is required to confirm a specified by the system of the financial service provider dealer, if this is the only dealer within the specified radius of the customer. If no geodesics of the customer device are to be determined by the system of the financial service provider (N), then the customer can access method field 607 near field communication (NFC), where in the case of success (J) by the unique assignment of an NFC chip to a specific customer account a unique provision the customer is guaranteed.
  • the management server 104 receives a request from the NFC card reader of the merchant in method step 608 and can thus also unambiguously identify the merchant system 103.
  • the customer and merchant can be authenticated by a database provided by the financial service provider or by the use of image or scanning technology
  • the scanner provided by the point of sale of the merchant location or an image displayed there is taken by the customer device and sent in step 609 to the management server of the financial service provider system.
  • the merchant After appropriately linking the customer device and merchant system by detecting the geodesic, near field communication, selecting the merchant system in the provided database, image or scanning technology, or by directly accessing the merchant system, the merchant prompts the customer in step 610 to execute a payment procedure on the merchant system by pressing a button, touching a button on a touch screen, verbal communication with the dealer, or the like. If the customer selects the option "mobile payment" (output J in method step 61 1) and if the total of the purchased goods or services determined by the merchant is available, then the merchant sends in step 614 an authorization request for the financial transaction and a Requesting a transaction sign to the management server of the financial services system.
  • a singular transaction character for the relevant financial transaction is generated in the system of the financial service provider and sent in method step 616 to the merchant system.
  • step 617 the dealer offers the customer a direct payment method. If the customer does not select the direct payment method in the merchant system (output N), the customer is requested in method step 618 to enter the transaction character output from the system of the financial service provider to the merchant system into his customer device. If, on the other hand, the customer has selected the direct payment method in the merchant system (output J in step 617), then the merchant system generates a complex representation of the transaction character in combination with an identification mark of the merchant system in method step 619, and in step 620 the customer requests this as To scan or manually input image characters or matrix code to the merchant system complex transaction characters in the application of the customer device.
  • step 621 Upon successful entry of the singular or complex transaction character into the customer device, in step 621 the transaction data such as date, time, total amount of the purchased goods or services are sent to the customer device and the customer is requested to confirm the transaction data. In this step, the customer can select the type of payment desired by him and redeem any collected coupons, vouchers and the like.
  • step 622 the transaction process is reviewed by the management server in the financial services provider system, and upon successful verification (exit J in step 622), the financial services provider system processes the financial transaction in step 623, sends transaction confirmations to the customer device and the merchant system and ends the transaction in step 624.
  • 604 terminal of the customer is registered in the system and linked with personal, sensitive data (in the transaction process: information about the bank account, credit card)
  • 616 server sends singular transaction characters to merchants

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  • 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)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

L'invention concerne un procédé d'exécution d'une transaction financière par un fournisseur de services financiers, qui consiste à connecter un appareil de client (101) mobile et un système marchand (103) mobile ou fixe à un serveur de gestion (104) d'un système fournisseur de services financiers (100) par l'intermédiaire d'un réseau de communication (105). Après enregistrement du système marchand (103) et de l'appareil client (101) et introduction d'un numéro d'identification transmis à l'appareil client (101), le système marchand (103) transmet des données de transaction au système fournisseur de services financiers (100), lequel génère au moyen d'un générateur aléatoire (107) une référence de transaction unique que le client doit introduire dans l'appareil client (101), et le transmet au système marchand (103). Après vérification et confirmation par le client des données de transaction transmises par le système marchand (103), la transaction financière est exécutée et une notification indiquant le succès de la transaction est envoyée à l'appareil client (101) et au système marchand (103).
EP13762756.8A 2012-08-20 2013-08-19 Procédé et système pour l'exécution d'une transaction financière Withdrawn EP2885752A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE102012214744.6A DE102012214744A1 (de) 2012-08-20 2012-08-20 Verfahren und System zur Durchführung einer Finanz-Transaktion
PCT/EP2013/067255 WO2014029744A1 (fr) 2012-08-20 2013-08-19 Procédé et système pour l'exécution d'une transaction financière

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EP2885752A1 true EP2885752A1 (fr) 2015-06-24

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EP (1) EP2885752A1 (fr)
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US20180336548A1 (en) * 2017-05-16 2018-11-22 Google Inc. Nfc-initiated brokered communication

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DE102007005427A1 (de) * 2007-01-30 2008-07-31 Hischam Telib Verfahren und Vorrichtung zur elektronischen Zahlung
US8762211B2 (en) * 2007-10-03 2014-06-24 Mastercard International Incorporated System for personalized payments via mobile devices
PL390674A1 (pl) * 2010-03-10 2011-09-12 Telecash Spółka Z Ograniczoną Odpowiedzialnością Sposób realizacji transakcji płatniczej z użyciem personalnego urządzenia mobilnego i układ personalnego urządzenia mobilnego
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WO2014029744A1 (fr) 2014-02-27
US20150227911A1 (en) 2015-08-13

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