EP3105724A1

EP3105724A1 - Secure transaction using a mobile device

Info

Publication number: EP3105724A1
Application number: EP15703617.9A
Authority: EP
Inventors: Thierry Huque; Karel WOUTERS; Jan DE MEESTER; Mike ASSELBERG
Original assignee: Bancontact-Mistercash Nv / SA
Current assignee: BANCONTACT PAYCONIQ COMPANY
Priority date: 2014-02-14
Filing date: 2015-02-11
Publication date: 2016-12-21
Also published as: EP3627419A1; FR3017733B1; FR3017733A1; EP3627419B1; WO2015121307A1; EP3627419C0

Abstract

The invention relates to a method for carrying out an electronic transaction using a mobile device (102), the method comprising: receiving, through a first service facilitator system (301B), transaction data relating to the transaction, generating via the first service facilitator system a transaction identifier associated with the transaction, and transmitting the transaction identifier to the mobile device; transmitting wirelessly, via the mobile device, a transaction initialization request to an authentication system (301A), the transaction initialization request comprising the transaction identifier; transmitting, via the authentication system, the transaction identifier to the first service facilitator system; authenticating the mobile device via the authentication system and generating via the authentication system a transaction execution command causing the execution of the transaction.

Description

SECURE TRANSACTION USING A MOBILE DEVICE

The present patent application claims the priority of the French patent application 14/51202 which will be considered as an integral part of the present description.

FIELD

The present disclosure relates to a method and system for performing an electronic transaction using a mobile device, and in particular a method and system for performing a secure electronic transaction.

BACKGROUND

The use of mobile communication devices, such as mobile phones, to carry out electronic payment transactions, is becoming more widespread, and has the potential to completely replace most card payments.

To serve as a payment mechanism, mobile phones and other mobile devices are increasingly equipped with NFC interfaces (Near Field Communication - Near Field Communication), which allow them to rea ^¬ Liser functions electromagnetic transponders in addition to their other functions. In particular, such devices are adapted to emulate the functions of an electro ^¬ magnetic transponder which could be of the contactless card. Of Such features improve eg the mobile device, allowing it to be used for various applica ^¬ tions, such as electronic wallet to make payments to access services such as transport networks.

Although such a payment mechanism is appropriate for certain types of payment, there is a need in the art for a secure and versatile alternative payment mechanism.

ABSTRACT

An object of embodiments of the present disclosure is to at least partially solve one or more needs of the prior art.

In one aspect, there is provided a method for performing an electronic transaction using a mobile device, the method comprising: receiving, by a first service facilitating system from a plurality of service facilitating systems, transaction data relating to the transaction, generating by the first service facilitator system a transaction identifier associated with the transaction, and transmitting the transaction identifier to the mobile device, wherein the transaction identifier is part of an electronic token that includes an identifier of the first system facilitating the transaction. service; wirelessly transmitting, by the mobile device, a transaction initialization request to an authentication system, the transaction initialization request including the transaction identifier; identifying, by the authentication system, the first service enabler system based on said identifier of the first service enabler system; transmitting, by the authentication system, the transaction identifier to the first service facilitating system; authenticating the mobile device by the authentication system and generating by the authentication system a transaction execution command causing the transaction to be executed. According to one embodiment, the method further comprises, prior to receiving the transaction data by the first service facilitating system, communicating the transaction data between the mobile device and a transaction element.

According to one embodiment, the transaction identifier is transmitted to the mobile device in an electronic token comprising a secure identifier, the token being in the form of one or more of the following: a QR code (fast response code) readable by an application installed on the mobile device; URL intent (Uniform resource locator) and wireless data transmission.

According to one embodiment, several authentication systems are provided, and the transaction initialization request is transmitted to one of these authentication systems known to the mobile device.

In one embodiment, the electronic token includes a URL (Uniform Resource Locator) associated with the first service enabler system.

According to one embodiment, the control transaction execution is transmitted to the first service facilitator system, and the method further comprises executing the tran ^¬ saction at least partially by the first service facilitator system.

According to one embodiment, the control transaction execution is transferred to a supplementary service facilitator system, and the method further comprises Executing ^¬ execution of the transaction at least partially by the supplementary service facilitator system.

According to one embodiment, the method further comprises, after transmitting the transaction identifier to the first service facilitating system, the authentication system, from the service facilitating system, receiving at least some transaction data. According to one embodiment, the transaction is a payment from the user to a payee, and the transaction data includes at least the payment amount.

According to one embodiment, the method further comprises, after receiving the transaction identifier from the authentication system: determining by the first service facilitating system a plurality of payment types supported by the recipient, and transmitting an indication of the types of payment to the authentication system.

According to one embodiment, the method further comprises transmitting the indication of the plurality of payment types to the mobile device, and wirelessly receiving from the mobile device a selection of one of the plurality of types of payment.

According to one embodiment, the method further comprises: determining by the authentication system a plurality of payment types supported by the mobile device, and transmitting an indication of the payment types to the first service facilitating system; and select by the service facilitator system or by the recipient at least one of the payment types.

According to one embodiment, the authentication of the mobile device is based on authentication data stored at least partially in a secure element or in a trusted execution environment of the mobile device.

According to one embodiment, the authentication data is one or more of the following: a secret key; a PIN entered by a user of the mobile device; and a biometric sample of a user of the mobile device captured by a capture device of the mobile device.

In another aspect, there is provided a system for performing an electronic transaction comprising: a device mobile; an authentication system; a first service facilitator system adapted to receive transaction data relating to the transaction, to generate a transaction identifier associated with the transaction, and to transmit the transaction identifier to the mobile device; at least one additional service enabler system, wherein: the mobile device is adapted to transmit a transaction initialization request to the authentication system, the transaction initialization request including the transaction identifier, wherein the transaction identifier is part of an electronic token that includes an identifier of the first service enabler system; the authentication system is adapted to identify the first service enabler system based on said identifier of the first service enabler system, to transmit the transaction identifier to the first service enabler system, to authenticate the mobile device, and to transmit a transaction execution command to the first service enabler system; and the first service facilitating system is further adapted to execute at least a portion of the transaction in response to the transaction execution command.

BRIEF DESCRIPTION OF THE DRAWINGS

The above-mentioned and other features and advantages will be apparent from the following detailed description of embodiments, given by way of illustration and not limitation, with reference to the accompanying drawings in which:

FIG 1 schematically illustrates a mobile device and a transaction component according to an exemplary Réali ^¬ tion of the present disclosure;

2 schematically shows the mobile device of Figure 1 in more detail according to an exemplary Réali ^¬ tion of the present disclosure; 3 schematically represents the communi ^¬ cations between elements in an electronic transaction system according to an exemplary embodiment of the present disclosure;

FIG. 4 is a flowchart showing steps in a method of performing an ^electro¬nic transaction according to an embodiment of the present description;

FIG. 5 illustrates an example of hardware implementing elements of the system of FIG. 3 according to exemplary embodiments of the present description; and

Figure 6 illustrates a portion of a payment system according to another embodiment of the present description.

DETAILED DESCRIPTION

Figure 1 schematically illustrates a mobile device 102 suitable for wireless communications, and to perform an electronic transaction. For example, the mobile device 102 is a mobile phone, a smart phone, a tablet computer, a digital media player or the like, and includes a display 104, for example a touch screen.

The mobile device 102 is shown in communi cation with a transaction ^¬ member 106.

In some embodiments, communication between the mobile device 102 and the transaction element is at least partially via a wireless interface, such as an NFC interface, a wireless data connection via a telecommunication network, a Bluetooth interface or a wireless local area network (WLAN).

Alternatively, the transaction element 106 may communicate with the mobile device 102 using a camera of the mobile device 102. For example, the transaction element 106 may include a display to display a bar code as a QR code (Quick Response Code), which can be captured by the camera and interpreted using a suitable application loaded on the mobile device 102. In alternative embodiments, the transaction element 106 could be integrated into the mobile device 102. For example, the mobile device 102 can store and execute an application of a merchant implementing the transaction element 106. in such a case, the transaction element 106 for example communicates with other circuits of the mobile device by generating an intention, such as a URL intention (uniform resource locator intent). As is well known to the skilled person, an intention is a digital message passed to the operating system of a mobile operative part ^¬ available from an application takes running on the mobile device, which causes call some applica ^¬ and password information as a parameter to the application. For example, a type of intent may cause a web browser of the mobile device to access a specific location. For example, the intent URI (universal identification ^¬ fier resource) https: // WEB_ADDRESS activates the navigation application to a mobile device and directs the browser to the location identified by the web address.

In some embodiments, the electronic transaction is an electronic payment, and the element of tran ^¬ saction 106 is a payment terminal. Alternatively, the electronic transaction could be any of a range of electronic services provided between the mobile device 102 and the transaction element 106, such as an electronic payment, including a card payment or a cardless payment. establishing a direct payment facility such as an electronic money order, a document or contract signature, a data verification, such as an address or age verification, and / or an authentication verification of the mobile device or a user of the mobile device. An electronic warrant is for example an agreement authorizing a merchant to receive one or more direct debit payments from a customer. The transaction element 106 is for example posi ^¬ tioned at an entrance barrier of a controlled access area, such as a transport network, or at a point of sale in a store or restaurant . In such cases, the mobile device 102 is for example relatively close to the transaction element 106, and the communication between the mobile device and the transaction element is for example made by NFC, the mobile device emulating a wireless transponder . Alternatively, other forms of wireless communications between the mobile device 102 and the transaction element 106 could be envisioned, such as a wireless connection via Bluetooth or via a wireless local area network (WLAN). ).

In other embodiments, the mobile device 102 could be remote from the transaction element 106, and the communication between the mobile device and the transaction element could be via one or more intervening networks. , as a data network of a telecommunication network and / or the internet network. In such a case, the transaction element could correspond to a remote server of a merchant.

Figure 2 schematically illustrates in more detail the mobile device 102 according to an exemplary embodiment.

As illustrated, the device 102 comprises for example a contactless front-end integrated circuit (CLF) 202, which will be referred to herein as the NFC router. The NFC router 202 is coupled to an NFC antenna 204, and together the router 202 and the antenna 204 provide an NFC circuit for emulating the behavior of an NFC transponder.

The NFC router 202 is also for example coupled to a host processing device (P) 206 of the mobile device 102. The processing device 206 comprises for example one or more processors under the control of instructions stored in an instruction memory ( MEM MEM) 208. The NFC router 202 is also for example coupled to a secure element (SE) 210, which is for example an integrated SE (eSE), and / or a SIM or SIM universal circuit 212. The circuit 212 is for example coupled in addition to the processing device 206. In addition to or instead, the processing device 206 can perform host card emulation (HCE), which means that NFC communications are routed to the host processing device 206 which emulates the behavior of an NFC secure element. This makes it possible to perform secure NFC transactions directly by the processing device 206 without requiring the presence of a secure element in the mobile device 102.

The processing device 206 is also for example coupled to: an antenna 214 enabling telecommunications in a cellular network; an antenna 215 for Wi-Fi communications (wireless fidelity); and / or an antenna 216 enabling ultra-wide band (or UWB) RF communications. In some embodiments, the mobile device 102 may comprise only one or some of the antennas 214, 215 and 216. The mobile device 102 further comprises a user interface 218, for example comprising a display, a keypad and / or or a touch screen, coupled to the processing device 206.

The mobile device 102 also includes, for example, an image capture device 220, comprising an image sensor for capturing digital images. For example, the image capture device 220 is capable of capturing machine readable codes such as QR codes, and the mobile device 102 stores a suitable software application for interpreting the machine readable code. In addition, in some embodiments, the image capture device 220 or a separate image sensor is capable of capturing biometric samples such as a fingerprint, a finger vein or a retina analysis.

In some embodiments, the mobile device 102 includes a trusted execution environment (TEE) 222 which for example includes a memory device 224. storing one or more software applications and a trai device processing resource allocation ^¬ ment 206 for running software applications in isolation with respect to the execution of other software applications stored in the instruction memory. For example, the trusted execution environment 222 is used for executing sensitive software applications, such as an application for entering a PIN (personal identification number) and / or for capturing a biometric sample.

FIG. 3 represents an electronic transaction system 300 supporting the execution of an electronic transaction between the mobile device 102 and the transaction element 106. The system 300 comprises, for example, in addition to the mobile device 102 and the mobile device 102. transaction element 106, an authentication system 301A and a service facilitating system 301B. Although it is illustrated as separate elements in Figure 3, as has already been mentioned PREVIOUS ^¬ ously, in alternative embodiments, the transaction element 106 could be integrated into the mobile device 102.

The authentication system 301A provides an interface between the service facilitating system 301B and the mobile device 102, and is arranged to authenticate the mobile device 102 prior to the execution of a transaction. For example, the authentication system 301A is capable of establishing a secure data connection with the mobile device 102, for example by using symmetric key cryptography or public key cryptography for the transmission of data packets. The secure connection is for example obtained by using an application executing in the trusted execution environment 222 of the mobile device 102 and / or by using a secure element of the mobile device 102, to store the key data used to authenticate the mobile device 102. In some embodiments, the 301A authentication system corresponds to one or more servers associated with a bank of which a user of the mobile device 102 is a customer.

The service facilitating system 301B comprises for example one or more servers arranged to execute or otherwise facilitate the execution of the electronic transaction. For example, in the case where the transaction is an electronic payment, the service facilitating system 301B corresponds for example to a payment service provider, or a payment gateway, interconnecting several payment networks and / or acquiring banks, and is arranged to perform appropriate processing such as authentication and deletion in connection with the payment transaction. Although not shown in FIG. 3, in some embodiments, the service facilitating system 301B is a server that provides an interface between multiple transaction elements 106 and several authentication systems 301A that may be present. in the system. Furthermore, in some embodiments described in more detail below in connection with FIG. 6, there may be more than one service facilitating systems 301B, each of which may be adapted to handle a different type of electronic transaction such as transaction transactions. payment for different types of cards.

In one embodiment, communications between the service facilitating system 301B and the authentication system 301A utilize symmetric key cryptography or public key cryptography.

FIG. 4 is a flow chart showing steps in a method for performing an ^electro¬nic transaction using the mobile device 102. An example of operations in such a method will now be described in more detail with reference to both FIGS. 4. In an operation 402 shown in FIG. 4, details of a transaction are received by the service facilitating system 301B and a transaction identifier is generated.

For example, as represented by a two-way arrow 301 in FIG. 3, the mobile device 102 and the transaction element 106 interact to initiate the electronic transaction.

In one example, a user of the mobile device 102 has made a purchase in a store or restaurant, via the internet or using a merchant application on the mobile device, and wishes to use the mobile device 102 to perform a payment transaction. The user initiates e.g. the payment transaction using the mobile dispo ^¬ operative part 102. For this, the mobile device is for example brought close to the transaction component 106 to trigger NFC communications between the mobile device 102 and 'transaction element 106, so that the transaction data is communicated to the mobile device 102. Alternatively, the transaction component 106 can transmit the transaction details to the mobile device 102 by the inter ^¬ médiaire of the internet . In all cases, the user confirms such transaction data using a keypad of the mobile device, and a message confir ^¬ mation is transmitted from the mobile device 102 to the transaction element 106, to initiate creating a transaction.

In another example, the user of the mobile device 102 wishes to initiate a different type of transaction, for example the establishment of a recurring payment order, such as an electronic money order, the signature of a document or a contract, a change of address, or responding to an address or age check. In such a case, transaction data describing the transaction are for example transmitted to the mobile device 102, and the user confirms, for example, that he wishes to proceed with the transaction on the basis of these transactions. transaction data. A confirmation message is then transmitted from the mobile device 102 to the transaction element 106.

The transaction element 106 then makes an electronic transaction request to the service facilitating system 301B, as represented by the arrow 302, which request includes the transaction data. For example, the transaction data may include one or more of the following: a transaction type of the electronic transaction, for example a payment, an age / address check, etc., an electronic money order, etc. identifiers of the parties involved in the transaction, such as a merchant account identifier or number associated with the transaction element 106 and the user of the mobile device 102; and other appropriate details of the transaction, such as a payment amount, currency, details of a warrant to be executed, etc.

In response to receiving the transaction data, the service facilitating system 301B for example stores this data in a memory (not shown in FIG. 3), and generates the transaction identifier associated with the transaction. For example, the transaction identifier could be a binary value of at least 32 bits long. For example, the transaction identifier uniquely identifies the transaction. For example, two transactions made the same day by the same user to the same transaction item 106 using the mobile device 102 will each receive a different transaction identifier assignment by the service facilitating system 301B.

In a following operation 404 in FIG. 4, the transaction identifier is transmitted to the mobile device 102. This operation is represented by an arrow 303 in FIG.

In one example, this operation involves the transmission by the service facilitating system 301B of an electronic token to the mobile device 102, the electronic token including the identifier of the transaction. In addition, in some embodiments, the electronic token includes data identifying the service facilitating system 301B that issued the token. For example, the electronic token includes a URL or web address of the service facilitating system 301B. In addition, in some embodiments, the token may include a secure identifier, allowing the token to be authenticated by the mobile device and / or the authentication system 301A.

The token, for example, takes the form of a QR code (fast response code) which can be decoded by an appropriate application stored on the mobile device 102. In another embodiment, the token may take the form of an intention. URL that calls a transaction or payment application stored in the mobile device 102, and passes to this application the data of the electronic token. In some embodiments, the electronic token may be transmitted to the mobile device 102 over the internet and / or through a data network or communication network.

Alternatively, as shown by a dotted arrow 303 'in FIG. 3 which passes through the transaction element 106, in the case where the mobile device 102 is already in NFC communication with the transaction element 106, the electronic token can be transmitted to the mobile device 102 via the transaction element 106 and using the NFC interface, or in the case where the token is a visual element such as a QR code, it could be transmitted to and displayed on a display of the transaction element 106, and then captured by a camera of the mobile device 102.

In a next operation 406 in FIG. 4, the transaction identifier is transmitted by the mobile device 102 to the authentication system 301A. For example, the mobile device 102 transmits a transaction initialization request to the authentication system 301A comprising the transaction identifier. This operation is represented by an arrow 304 in FIG. 3. For example, in one embodiment, the reception by the mobile device 102 of the electronic token containing the transaction identifier activates an application of the mobile device 102 associated with the authentication system. 301A, which causes the transmission of the transaction initialization request comprising the identi fier of ^¬ transaction system 301A authentication.

In a next operation 408 in FIG. 4, the transaction identifier is transmitted by the authentication system 301A to the service facilitating system 301B. For example, the authentication system 301A identifies the service enabler system based on the data included in or part of the transaction identifier identifying the service enabler system. This operation is represented by an arrow 305 in FIG. 3. For example, the transaction identifier is transmitted to the service facilitating system 301B in the form of a request for the transaction data, and the service facilitating system 301B responds in turn. providing the authentication system 301A with at least some of the transaction data associated with the transaction. In one embodiment, based on the transaction identifier, the service facilitating system 301A may locate in its memory the associated transaction data provided originally by the transaction element 106.

In the case of payment transactions, a payment type may be selected by the mobile device 102 or by the transaction element 106. For example, the payment type indicates a type of payment card, which may correspond to the brand card, such as VISA, MASTERCARD, AMERICAN EXPRESS, etc. (The names VISA, MASTERCARD and AMERICAN EXPRESS may be associated with one or more registered trademarks). As will be appreciated by those skilled in the art, the selection of a payment card brand to be used for a transaction leads to a specific payment processing. Indeed, the technical steps involved in processing payments of different brands differ greatly, which means that each brand of card must be treated as a different and distinct type of payment. In addition to or instead of, the payment type indicates a means of payment to be used for the transaction, for example a payment using the PAN number (primary account number) of a credit or debit card, or an IBAN number. (international bank transfer).

In some embodiments, the service facilitating system 301B may transmit to the authentication system 301A a list of one or more types of payments accepted by the transaction element 106, in other words by the merchant. The authentication system 301A may then select one of the payment types accepted as the default type to be offered to the user of the mobile device 102. Alternatively or additionally, an indication of a plurality of accepted payment types may be provided. to be transmitted to the mobile device 102, and the user of the mobile device 102 may be given an option to select one of these payment types to be used for the transaction.

In other embodiments, the authentication system 301A indicates to the service facilitating system 301B, with the transaction data request, one or more payment types accepted by the mobile device.

102 and / or by the authentication system 301A, and the service facilitating system 301B and / or the transaction element 106 may select a preferred payment type from among these payment types, and inform the authentication system 301A of this selection when transmitting transaction data.

In a subsequent operation 410 in Figure 4, an authentication is performed.

For example, as shown by an arrow 306 in FIG. 3, the authentication involves the launch by the authentication system 301A of an authentication application on the mobile device 102. The authentication application is for example carried out in the EXE environment ^¬ trusted execution 222 of the mobile device 102, and / or a secure element 102. the authentication available ^¬ mobile operative part 102 involves checking the maintained or provided by the mobile device 102 data.

In some embodiments, authentication of the mobile device involves verifying that the mobile device is operated by an authorized user. This implies, for example, request that the user of the mobile device 102 provide input data, as a biome sample ^¬ stick, a PIN or password. For example, in one embodiment, the authentication application requests that the user type a PIN or password on a keypad of the mobile device 102 and / or place a finger on a fingerprint sensor. digital devices of the mobile device 102, and captures an image of the fingerprint. Regardless of the type of user data that is introduced, the verification of this data occurs for example in the trusted execution environment 222 of the mobile device, and the result of the authentication is transmitted to the system. authen ^¬ tification 301A. Alternatively, the user data is transmitted by the mobile device 102 to the authentication system 301A, and the verification of this data is performed by the authentication system 301A.

In addition to or instead, the mobile device 102 may be authenticated by verifying data, such as a secret key, stored by the mobile device 102, for example in the secure element 210.

During the authentication process, the authentication system 301A also transmits for example at least some of the details of the transaction to the mobile device 102, such as a payment amount and / or a merchant indication, and asks to confirm that the transaction can take place. In such a case, the mobile device 102 responds for example to the authentication system 301A by a confirmation message confirming that the user has accepted the transaction. Alternatively, if the user refuses the transaction or if one authentication fails, the system authenticates ^¬ fication 301A is for example informed and the transaction is canceled.

Also, in the operation 410, if the authentication has been successfully performed by the authentication system 301A, the authentication system then generates, for example, a transaction execution command causing the transaction to be executed in a server. following operation 412 of FIG.

As represented by an arrow 307 in FIG. 3, the transaction execution command is for example transmitted by the authentication system 301A to the service facilitating system 301B. In some embodiments, this command may be accompanied by a proof of authentication, such as a cryptographic confirmation, signed by the authentication system 301A, ensuring that the authentication has been successful. The service facilitating system 301B then performs the electronic transaction, for example, either directly or by initiating the transaction and causing other systems to complete the transaction. Indeed, in some embodiments in which the transaction is a card payment transaction, as represented by an arrow 308 in FIG. 3, the execution of the transaction may involve additional processing by one or more other systems, as a payment authorization and an erasure. As shown by an arrow 309 in FIG. 3, the service facilitating system 301B may also send a message to the authentication system 301A indicating the final result of the transaction.

As a variant, in the case where the transaction is a payment without a card or another type of transaction, the authentication system 301 transmits, for example, the command executing a transaction to another service enabler (not shown in Figure 3), which at least partially executes the transaction, and provides the result of the transaction to the authentication system 301A. In such a case, the arrow 307 of Figure 3 represents a result of final tran ^¬ saction, which is then transmitted from the system authen ^¬ tification 301A to 301B service facilitator equipment, and communications represented by the arrows 308 and 309 are no longer realized.

As represented by an arrow 310 in the figure

3, the result of the transaction is for example transmitted to the mobile device 102. In addition, as represented by an arrow 311 in FIG. 3, in some embodiments, the service facilitating system 301B also informs the transaction element. 106 of the result of the transaction, and can provide appropriate data as a payment reference.

Figure 5 schematically shows hardware that could be used to implement at least a portion of the authentication system 301A and / or the service facilitating system 301B of Figure 3 to perform the method of Figure 4.

The circuit 500 comprises for example a processing device 502 which may comprise one or more processors, under the control of instructions stored in an instruction memory 504.

A memory storage device 506 is also coupled to the processing device 502, and for example stores the transaction identifier in association with the transaction data. The processing device 502 is also coupled to a communication interface 508, which allows ^¬ communi cation via a wired and / or wireless network, with the mobile device 102 or the transaction element 106.

In some embodiments, the circuit 500 includes a secure processing environment 510, which includes, for example, a secure microprocessor 512, under the control of an instruction memory 514, storing one or more software applications that can be executed in isolation from the execution of other software applications stored in the instruction memory 504. For example, the environment of secure processing 510 is used for executing sensitive software applications, such as an application for encrypting communications, and / or for verifying sensitive data such as biometric data or a PIN.

Figure 6 illustrates a portion of an electronic transaction system 600, similar to the system 300 of Figure 3, but in which there are several authentication systems 301A and several service enablers 301B. In particular, in the example of Figure 6, there are three authentication systems and three facili tators systems ^¬ service although in alternative embodiments, there may be any number of each system. Although this is not illustrated in FIG. 3, each of the authentication systems 301A is for example coupled to one or more devices, and each of the service facilitating systems 301B is for example coupled to one or more transaction elements.

A wired and / or wireless communication network 602 enables each of the 301A authentication systems to communicate with each of the service facilitating systems.

301B. It will be noted that the communication network 602 for example provides routing of the network, but does not include a central infra ^¬ structure as a routing directory. When a mobile device receives an electronic token from one of the service facilitating systems 301B, it transmits, for example, the transaction identifier to one of the authentication systems 301A. This authentication system is capable of identifying, based on the transaction identifier and / or additional identifying information, the service facilitating system that issued the identification. transaction indicator. The authentication system is thus able to transmit, via the communication network 602, the transaction identifier directly to the service facilitating system that generated it, and to receive in response at least some of the transaction data. corresponding to the transaction.

An advantage of the embodiments described herein is that an electronic transaction can be realized without the exchange of sensitive data, such as a credit card number, between the transaction element 106 and the mobile device 102. In particular, by communicating a transaction identifier to the mobile device 102, then to the authentication system 301A, the transaction data can be retrieved by the authentication system 301A directly from the service facilitating system 301B.

Another advantage is that an electronic transaction can be launched by a mobile device, and that the system does not rely on a centralized server to allow the transaction dé¬ ^¬ lement.

With the description thus made of at least one illustrative embodiment, various alterations, modifications and improvements will readily occur to those skilled in the art.

For example, although there has been described a detailed fashion Réali ^¬ tion in relation to Figure 3, it will be clear to the skilled person that there are various modifications that could be applied in the order some signals.

Further, although only one service enabler system 301B and a single authentication system 301A are illustrated in the embodiment of Figure 3, there could be more than one of one or the other or both of these elements able to communicate with each other.

Claims

A method for performing an electronic transaction using a mobile device (102), the method comprising:

receiving, by a first service enabler system (301B) from a plurality of service facilitating systems, transaction data relating to the transaction, generating by the first service enabler a transaction identifier associated with the transaction, and transmitting the transaction identifier; mobile device transaction, wherein the transaction identifier is part of an electronic token that includes an identifier of the first service enabler system;

wirelessly transmitting, by the mobile device, a transaction initialization request to an authentication system (301A), the transaction initialization request including the transaction identifier;

identifying, by the authentication system, the first service enabler system based on said identifier of the first service enabler system;

transmitting, by the authentication system, the transaction identifier to the first service facilitating system;

authenticating the mobile device by the authentication system and generating by the authentication system a transaction execution command causing the transaction to be executed.

The method of claim 1, further comprising, prior to receiving the transaction data by the first service facilitating system, communicating the transaction data between the mobile device and a transaction element (106).

The method of claim 1 or 2, wherein the transaction identifier is transmitted to the mobile device in an electronic token comprising an identifier. secure, the token having the form of one or more of the following:

a QR code (quick response code) readable by an application installed on the mobile device;

URL intent (Uniform resource locator) and

wireless data transmission.

The method according to any one of claims 1 to 3, wherein several authentication systems (301A) are provided, and the transaction initialization request is transmitted to one of these known authentication systems of the device. mobile.

The method of claim 4, wherein the electronic token includes a URL (Uniform Resource Locator) associated with the first service enabler system.

The method of any one of claims 1 to 5, wherein the transaction execution control is transmitted to the first service enabler system, the method further comprising executing the transaction at least partially by the first system. service facilitator.

The method of any one of claims 1 to 5, wherein the transaction execution command is forwarded to an additional service facilitating system, the method further comprising executing the transaction at least partially by the system. additional service facilitator.

8. A method according to any one of claims 1 to 7, further comprising, after transmitting the identi fier ^¬ transaction to the first service facilitator system, the receipt by the authentication system, from the system facilitator service, at least some of the transaction data.

The method of any one of claims 1 to 8, wherein the transaction is a user payment. intended for a beneficiary, and in which the transaction data includes at least the amount of the payment.

The method of claim 9, further comprising, after receiving the transaction identifier from the authentication system:

determining by the first service facilitating system a plurality of payment types supported by the payee, and transmitting an indication of payment types to the authentication system.

The method of claim 10, further comprising transmitting said indication of the plurality of payment types to the mobile device, and wirelessly receiving from the mobile device a selection of one of the plurality of types. of payment.

The method of claim 9 or 10, further comprising:

determining by the authentication system (301A) a plurality of payment types supported by the mobile device, and transmitting an indication of the payment types to the first service facilitating system; and

select by the service facilitator system (301B) or by the recipient at least one of the payment types.

The method of any one of claims 1 to 12, wherein the authentication of the mobile device is based on authentication data stored at least partially in a secure element (210) or in a trusted execution environment. of the mobile device.

The method of claim 13, wherein the authentication data is one or more of the following:

a secret key;

a PIN entered by a user of the mobile device; and a biometric sample of a user of the mobile device captured by a capture device of the mobile device.

15. System for performing an electronic transaction comprising:

a mobile device (102);

an authentication system (301A);

a first service enabler (301B) adapted to receive transaction data relating to the transaction, to generate a transaction identifier associated with the transaction, and to transmit the transaction identifier to the mobile device;

at least one additional service enabler system, wherein:

the mobile device is adapted to transmit a transaction initialization request to the authentication system, the transaction initialization request comprising the transaction identifier, wherein the transaction identifier is part of an electronic token which includes an identifier of the first service enabler system;

the authentication system is adapted to identify the first service enabler based on said identifier of the first service enabler system, to transmit the transaction identifier to the first service enabler system, to authenticate the mobile device, and to transmit a transaction execution command to the first service enabler system; and

the first service enabler system is further adapted to execute at least a portion of the transaction in response to the transaction execution command.