EP3108424A1 - Electronic transaction method and system via a portable accessory - Google Patents

Electronic transaction method and system via a portable accessory

Info

Publication number
EP3108424A1
EP3108424A1 EP15705804.1A EP15705804A EP3108424A1 EP 3108424 A1 EP3108424 A1 EP 3108424A1 EP 15705804 A EP15705804 A EP 15705804A EP 3108424 A1 EP3108424 A1 EP 3108424A1
Authority
EP
European Patent Office
Prior art keywords
transaction
accessory
main device
terminal
communication
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
EP15705804.1A
Other languages
German (de)
French (fr)
Inventor
Thierry Silvestre
Daniel Rade
Sébastien Balocco
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.)
Thales DIS France SA
Original Assignee
Gemalto SA
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 Gemalto SA filed Critical Gemalto SA
Publication of EP3108424A1 publication Critical patent/EP3108424A1/en
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
    • G06Q20/30—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
    • 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]
    • G06Q20/3226—Use of secure elements separate from M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F8/00—Arrangements for software engineering
    • G06F8/60—Software deployment
    • G06F8/61—Installation
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable 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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/38—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
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Definitions

  • the invention generally relates to a method for performing an electronic transaction between a main communication apparatus or an accessory and a transaction terminal.
  • Radiofrequency communication devices such as radiofrequency bank card, electronic tag (RFID), electronic badge, electronic passport, communicating accessory.
  • RFID electronic tag
  • electronic passport electronic passport
  • the watch association with Near Field Communication (NFC) function is known to mobile phones.
  • the shows can be paired by NFC to a phone and then telephone communications received by the phone can be sent back by him via Bluetooth on the watch. It becomes unnecessary to take the phone out of the pocket since the telephone communication can be taken at the level of the watch.
  • the NFC function of the watch is only used for pairing with the phone for the purpose of communicating via Bluetooth TM to each other to relay a current telephone call.
  • This watch only performs communication exchanges of telephone data, voice, pictures, SMS with the phone.
  • the features of the watch are relatively limited and dependent on the phone for its operation.
  • the invention therefore aims to remedy at least one of the disadvantages of the prior art.
  • the invention aims primarily to provide a practical solution for performing a radio frequency electronic transaction without risk of theft of the radiofrequency device.
  • the principle of the invention is based on the use of a radiofrequency accessory discreetly concealed in a current portable object (not intended in particular for its format to use for a contactless transaction) such as a watch, a ring, a bracelet; This object is able to relay or represent the radiofrequency device at least for a transaction or a period of time or in a certain way.
  • the accessory is preferably initialized by the portable primary device or device.
  • this accessory can be initialized, customized or parameterized using the main device containing a transaction application.
  • the accessory therefore preferably includes a format different from the standardized format of a smart card for example banking or payment.
  • the subject of the invention is a method for performing an electronic transaction between a main or accessory communication device and a transaction terminal;
  • the method is characterized in that it comprises the following steps: providing a smart portable accessory capable of relaying the transaction or representing said main apparatus with respect to a transaction terminal,
  • the invention avoids having to present the device to a transaction terminal and expose the main device to the eyes of third parties and the risk of theft.
  • the method comprises, according to an implementation mode, a step of installing a banking application (AB) in the main apparatus, the accessory relaying the transaction transparently between the main apparatus and the transaction terminal;
  • AB banking application
  • the method preferably comprises a step of initialization (or initiation) of the accessory using the main device or pairing the accessory to the main unit;
  • the initialization (or initiation) step may comprise a transfer / cloning phase of information selected from:
  • IP information
  • the initialization / initiation step may comprise a launching phase of an application for controlling the accessory by the main apparatus;
  • the initialization / initiation stage may provide for capturing via the main device a PIN code or equivalent necessary for a future transaction and to transmit it to the accessory in complete security to enable a future or current transaction;
  • the accessory may have communication means (FED) configured to relay data and control instructions between the main device and the terminal;
  • FED communication means
  • the transaction may be authorized by voluntary action of the user on a switch or biometric authentication by the accessory; The accessory thus making it possible to improve the security of the transaction.
  • the method comprises a control software application (AC) of the implementation of a transaction software application (AB) including a geographical area, a time period or how to perform the transaction. Thanks to the invention, it is also possible to control or complete in particular at the level of the security, the implementation of the transaction application that can be standard and non-modifiable
  • the invention also aims at proposing a system for carrying out an electronic transaction between a main apparatus or communication accessory and a transaction terminal,
  • an intelligent portable accessory having a format that is distinct from a standardized smart card format, capable of relaying the transaction or representing said main apparatus with respect to a transaction terminal,
  • FIG. 1 illustrates an electronic transaction scheme according to a first embodiment of the method of the invention between a main apparatus and a transaction terminal via a portable relay device
  • FIG. 2 illustrates an electronic transaction scheme according to a second mode of implementation of the method of the invention implementing a portable accessory
  • Figures 3 and 4 illustrate a portable intelligent accessory in the form of a watch respectively in open and closed position
  • Figures 5 and 6 illustrate a portable intelligent accessory in the form of a bracelet respectively in open and closed position
  • Figures 7 and 8 illustrate a portable intelligent accessory in the form of a ring respectively in unlocked and locked position or deposited / worn; Description
  • FIG. 1 illustrates a first embodiment of the method of the invention for performing an electronic transaction between a main communication device 1 and a transaction terminal 3.
  • any exchange data, instructions , signals, messages ...) unilateral or bilateral between two communication objects.
  • These exchanges may be for various purposes such as banking transactions, identity, authentication, access, debit, credit ...
  • a system 40 for carrying out a transaction is composed of a main apparatus 1, an accessory 2 and a terminal 3.
  • the main apparatus 1 is here a smart mobile phone but can be any other object, intelligent device such as a personal assistant (PDA) a laptop (LP), or other main device of portable communication.
  • PDA personal assistant
  • LP laptop
  • the apparatus in the example notably has processing means ⁇ C, storage means (volatile and non-volatile), at least one communication interface with an associated accessory (described below) and at least one communication interface with the transaction terminal 3 which may be the same as the previous one.
  • This communication interface can be of any technological type such as Bluetooth (BT, wifi, NFC, RF radio frequency, UHF, optical, infrared ...) to establish a communication 4 with the accessory.
  • the communication 4 between the main communication device 1 and the relay accessory is of Bluetooth TM type (hereinafter also referred to as BT), while that between the relay accessory and the transaction apparatus is radio frequency type NFC, RF in particular according to the ISO 14443 standard.
  • the main communication device 1 preferably comprises man-machine interface (HMI) means with a user such as keyboard 7, display 8.
  • HMI man-machine interface
  • the device 1 also comprises at least one transaction application 6 in an internal memory (SE) or an external mass memory such as a mass memory card (Mini SIM, SD, micro SD) or a USB key preferably secure.
  • SE internal memory
  • MSI SIM, SD, micro SD
  • USB key preferably secure.
  • the application is in a SIM card which is connected in known manner by an NFC controller provided with a radio frequency interface.
  • the transaction software application (AB) 6 is of the banking, financial, or payment type.
  • This transaction application makes it possible to perform an electronic transaction with the transaction terminal 3 such as a banking terminal (ATM, POS), a base station, a consumer goods distributor ...
  • the invention comprises a step of providing an intelligent portable accessory 2.
  • the latter according to the mode illustrated in FIG. 1, is able to relay the transaction or according to the mode illustrated in FIG. vis of a transaction terminal.
  • the accessory 2 may comprise communication and interface means adapted to transpose a Bluetooth communication in radio frequency communication.
  • the accessory can extract data or instructions received from the main device in the form of radio frequency frames encapsulated in another communication protocol such as a Bluetooth protocol.
  • a Bluetooth protocol such as a Bluetooth protocol
  • the accessory and the device are configured to encapsulate and encapsulate radio frequency frames in Bluetooth type messages especially when they communicate with each other.
  • the data or instructions transmitted by the main apparatus 1 in the form of radio frequency frames are received by the accessory being encapsulated in particular by the Bluetooth protocol and vice versa for those transmitted by the accessory to the main device.
  • the data or instructions received by the accessory can be decoded or encapsulated by the accessory before being returned by the accessory or alternately placed temporarily in a memory of the accessory to be read by the transaction terminal.
  • the accessory can either retransmit itself the data and / or instructions actively as soon as they are available, or passively allow a reading by the transaction terminal acting as a reader.
  • the data and / or instructions from the main apparatus are received and extracted in the accessory and then read or transmitted by a communication in the form of radio frequency frames to the transaction terminal 3.
  • the method provides that the accessory has communication means configured to relay data and control instructions between the main device and the terminal.
  • the accessory 2 in the example is an electronic watch comprising interface means on the one hand with the transaction terminal 3 and on the other hand with the main apparatus 1 as indicated above.
  • the watch includes a bracelet to wear on the wrist.
  • the accessory may comprise buffer memory means for storing at least temporarily data and / or instructions to be exchanged between the transaction terminal and the main apparatus. Alternatively, data and instructions may not be stored but relayed as they arrive.
  • the watch may comprise a watch case with a digital display or not, preferably sensitive to interact with the user as on the device 1.
  • the communication between the main apparatus and the accessory may be of the electrical type through the body or on the surface of the skin.
  • Capacitive means may be present in each of the apparatus and accessory for collecting the signal exchanges before extracting information (data, instructions) for processing.
  • the exchanges between the accessory and the terminal can be capacitive.
  • the accessory can be configured to simply relay a capacitive signal, electrical or other.
  • the accessory may include means for amplifying the received signal with or without an energy source, on-board battery.
  • the method provides for implementing a step of installing a software application including banking in the main device.
  • the accessory relay transactions transparently transaction between the main device containing the banking application (or any other transaction application including access control, payment ...) and the transaction terminal.
  • a user can wear an accessory 2 discreetly in the form of a watch and have his main device 1 such as his phone in his pocket or bag.
  • the user approaches his accessory near the transaction terminal reader.
  • the reader sends a poll / read signal to the device principal in the form of radio frequency frames; the accessory can be powered by the energy of the radiofrequency field of the retrieved reader.
  • This energy can be used to perform data processing and instruction (eg read instruction of a right, or identifier, or order of settlement of rights, units of value, financial or other.
  • the watch comprises a radiofrequency antenna which captures the radiofrequency field conveying the energy and the data and / or instructions of the radiofrequency reader. This energy is used to extract the data frames and / or radio frequency instructions and to perform encapsulation processing and transmission of these frames according to the Bluetooth protocol to the main unit 1.
  • the main unit 1 receives the Bluetooth signals from the accessory then extracts the radio frequency frames for transmission and processing by means of NFC radio frequency interface (in particular in contactless card emulation mode).
  • the radiofrequency interface means return information (data, instruction) requested by implementing the previously loaded transaction application. This information is in turn sent back as radio frequency frames encapsulated according to the Bluetooth protocol for the accessory.
  • the accessory 2 receives the Bluetooth signal, extracts the radio frequency frames and the corresponding data or instructions and transmits them to the reader, notably by modulating the radio frequency reading field of the reader.
  • the method preferably provides a step of initialization (or initiation) of the accessory using the main device or pairing the accessory to the device main.
  • the apparatus comprises in the example an initialization and / or pairing application (A1).
  • the advantage of the invention is to allow a realization of a transaction by presenting the accessory to the transaction terminal in place of the main device.
  • the latter may be concealed or not exposed while being worn in a garment or bag, bag ...
  • a transaction system 30 comprising an accessory 12 and a transaction terminal 3 is described.
  • the electronic transaction accessory 12 is able to represent a main communication device 10 with respect to a transaction terminal 10.
  • the accessory has been configured beforehand and the phone has been installed in a specific application of a management application.
  • accessory, pairing ... in this case, the phone can almost only serve as a remote screen of the accessory.
  • the same reference numbers represent the same or similar elements as in the previous figure.
  • the elements 1, 2 may be identical or similar to the elements 10, 12 while having certain common functions.
  • the accessory 12 may comprise, as in FIG. 1, the same electronic hardware means in particular for communication and / or interface with the main apparatus 10 and with the transaction terminal 3. It may comprise a human / machine interface (keyboard 7, screen 8).
  • the second mode can be freed from the presence of the main device during a transaction with the transaction terminal.
  • the accessory comprises at least one transaction application (for example A2) referred to in the first mode and contained in identical or similar storage means in particular in an internal memory (SE2) or an external mass memory such as a mass memory card (Mini SIM, SD, micro SD) or a USB key preferably secure.
  • the accessory itself can perform the function of a USB key comprising one or more contactless communication interfaces.
  • the transaction application in the accessory makes it possible to carry out directly (without presence or intervention of the main apparatus during the transaction) an electronic transaction with a transaction terminal 3 such as a banking terminal (ATM, POS), a terminal access, a distributor of consumer goods ...
  • the method also preferably provides a step of initialization (or initiation) of the accessory, in particular using the main or pairing device of the second embodiment.
  • the accessory including the main unit
  • initiation can also include the concept of configuration, training, transfer of means, information, learning, training allowing the accessory to perform a transaction in place of the main device.
  • the apparatus therefore also preferably comprises an initialization (initiation) and / or pairing (A1) application of an associated accessory (12).
  • the accessory includes all the attributes of the device required to perform the transaction as if it were the transaction device itself (rights, protocol, keys, procedures, identification, authentication or any other hardware or software element ).
  • the method provides that the initialization step above includes a transfer phase or cloning information (data, functions, program .. .) chosen from:
  • IP - Information
  • the information relating to the transaction application may include, in particular, the electronic transaction software application itself as it is present in the transaction terminal (program, personal data, identifier, bank account, address, merchant reference , overdraft amount authorized, credit, debit ).
  • the information may include the PIN or other authentication element (fingerprint, digitized biometric element) permanently or temporarily as described below.
  • the accessory can be equipped with the information or data necessary to carry out at least one transaction. If the accessory has custom banking applications, the copy of the PIN in the accessory may be sufficient.
  • This information can come from the main personal device or other personalization device including self-service (interactive terminal ...) able to transfer information, rights, subscription, personalization.
  • a user can program the accessory the day before using the main unit so that the accessory represents the transaction device for access to the metro within the limit of a round trip and if necessary within certain time periods.
  • the subway payment application or other means of transportation can be in the accessory, the PIN can be copied from the phone to the accessory, and cleared when the accessory is removed from the handle / hand or at the end of the day or another period of time through an internal clock.
  • the user can, alternatively, program the accessory to allow a purchase of a predetermined maximum amount.
  • the programming can make it possible to give the PIN code once and / or to authorize a transaction with a PIN code within a time slot or with certain transaction terminals previously identified (relating to an organization or located in one place).
  • a GPS (Global Positioning System) or equivalent can be incorporated in the accessory to allow the location and allow or not a transaction based on the authorized areas to perform a transaction.
  • the user has a geographical control on the transactions in case of theft of his accessory.
  • the user can thus free himself from exposing his main device like a mobile phone to prying eyes.
  • the device can remain at home or in a pocket or bag while active or not.
  • the invention thus prevents a theft of the main device when it is exposed during a transaction.
  • the user can choose the need to have the device 1 and the accessory 2 close or not to carry out transactions.
  • the method provides that at least one of the initialization / initiation or pairing steps above comprises a launching phase of a steering application of the accessory by the main unit.
  • This launch can be performed, for example, in particular by selecting the user in a menu displayed by the main device.
  • Parameters can be proposed by the menu as authorized amount, number of transaction with authentication by PIN and / or with biometric authentication.
  • the user may or may not wish, harden or lighten the level of security implemented in its operations including financial, banking depending on the issues involved or dangerousness of the place where the transaction takes place or doubt as to the third-party trust or terminal with which the electronic transaction takes place, or the time the user has during the transaction.
  • the invention makes it possible to control the implementation of the transaction application (which may be standard and non-modifiable) transferred to the accessory, via another control software application which has been associated with it. and set in the accessory.
  • the control may relate in particular to a geographical area, a time period or in the manner authorized by the user (maximum amount, security level, authentication, identification of authorized transaction terminals, type of transaction including for example access to transportation, a food or clothing purchase, a payment to the restaurant, hotel, taxi, ...) to complete the transaction.
  • the control software application can implement a comparative test of location parameters provided in particular by internal GPS (received from outside).
  • the test can compare time parameters provided in particular by an internal clock;
  • the test can compare an authorized transaction amount limit (including internally programmed limit), an authorized terminal identification or predefined;
  • the parameters can include or define the purpose of the transaction, a location or geographical area of the transaction, an identification of contractual third parties involved in the transaction.
  • the invention makes it possible to deport or duplicate transaction rights in one or more accessories from a main device.
  • a primary device holder having an electronic wallet application can delegate or transfer daily to two children each with an accessory a certain amount with assignments as to the use, for example to the a two euros for college beverage dispenser with an identifier, six euros for a meal in the canteen of the college to and the other 2 euros for identified transport line back and forth, 5 euros for other expenses in a limited geographical area to a city and around.
  • a function of the invention for the distribution of payment unit including a parent to his children, but with greater security compared to theft and parental control especially of the use of these units.
  • the accessory can keep a record of unauthorized transactions attempted by a holder of the accessory for information of the holder of the device during a collection of information or subsequent exchange between the main device and an accessory.
  • control application control parameters (AC or 16) for the implementation of the transaction application can be set or entered directly on the accessory.
  • the accessory may comprise a man / machine interface (keypad, sensitive or non-sensitive display, impression sensor, etc.).
  • the method provides that the above driving application, can capture via any interface (HMI) man / machine of the main device (keyboard, touch screen, voice recognition system ...) a PIN code or equivalent necessary to a future transaction and transmit it to the accessory securely (including encryption or encryption) to enable a future or ongoing transaction.
  • the PIN code or equivalent may be stored in encrypted form or encoded in the accessory and before or at the time of the transaction be delivered in decoded or decrypted form.
  • the terminal requests to enter the PIN code by the user during the transaction and transmits it to the accessory for comparison and return a validation to the banking terminal.
  • the method preferably provides that the transaction is authorized by voluntary action of the user on a switch or biometric authentication by the accessory.
  • the authentication can be entered on the transaction terminal which submits the data to the accessory for validation (for example as the PIN code for a bank card).
  • the PIN can also be entered directly on the accessory, as described above.
  • the invention may provide a security function remote at the accessory for example a voluntary action of biometric authentication (PIN code) at the accessory to allow the accessory to relay a response of the main device or other exchanges leading to a transaction with the transaction terminal. This avoids exiting the main unit to enter a PIN or otherwise authenticate.
  • PIN code biometric authentication
  • the apparatus 10 may be left at home while the accessory is used outside the home because functions have been deported to it.
  • the accessory may have advanced communications functions such as cellular telephony. wifi as the main device.
  • the accessory allows the use of just and necessary resources or rights taken from the main unit for a specified period or other specified criteria.
  • the accessory is in principle less expensive and allows a personalized security with a degree of finesse optimized according to the wishes of the user that may not be allowed by the main device.
  • a carrier of the previously programmed accessory including the main device is facing the transaction terminal.
  • An exchange takes place between the accessory and the transaction terminal if a test relating to one of the predetermined parameters is successful.
  • the check can be done either before starting a transaction, for example, the NFC function is inhibited as long as the parameter is not satisfactory (eg location, transaction time out of an allowed range).
  • the control can be done during the transaction: for example, a check is made after receiving a debit request for a certain amount, with a terminal identifier.
  • the control program tests the required amount in relation to the amount authorized and programmed in the accessory and / or compares the identifier of the terminal to a series of authorized identifiers programmed into the accessory.
  • the check can also be done at the end: for example, it is necessary to transmit a PIN code to validate the transaction.
  • the test compares in the accessory the number of times of use of the code in particular in the day compared to an authorized number programmed in the accessory.
  • the invention may have the advantage of adding a control software layer or control hardware means in the device for the use of an application without having to modify the application itself. If necessary, in some other cases, the application can be modified directly, supplemented in particular by the main device if it is provided for this purpose.
  • the accessory is respectively in the form of a watch 13, a bracelet (ring) 14 or a ring 15.
  • the accessory comprises an electronic circuit SE and / or hardware means as in the accessories of the preceding figures;
  • the accessory may preferably comprise a means of detecting the presence of the user or the authentication of the latter (electrical circuit on the length of the parts 17 of the watch strap or 18 of the ring).
  • the watch strap and the ring can be closed, locked by any closure / locking system F and a mechanism (not shown) possibly included in the component SE can detect the closing / locking and opening / unlocking of the bracelet or ring.
  • the mechanism can be a simple switch including capacitive, electrical, optical.
  • the ring comprises a switch button which closes the circuit in pressed position 19 when it is inserted on a finger and which releases and opens the circuit SE when it is removed from the finger.
  • the accessory once programmed or initialized, can relay or represent the transaction device as soon as the accessory is in the presence of the user (accessory bracelet position or closed ring or pressed ring switch).
  • the accessory in case of theft, is detached from the user, in particular by opening the bracelet or ring creating an opening of the safety circuit.
  • This opening is detected by a detection circuit included in the accessory.
  • the detection circuit causes a total or partial inhibition of the functions of the accessory (for example, the transaction function, communication ..).
  • the accessory can be rendered unusable until the next initialization (initiation) or reactivation using an associated main device provided for this purpose.
  • the invention may relate to a method for performing an electronic transaction between a main communication device (1, 10) and a transaction terminal (3) in which the accessory itself becomes a main device.
  • the accessory in this case can be programmed directly by the user or with other equipment including a charging station or download applications from data or information, any computer.
  • the accessory can also delegate rights to other accessories or even the main device by reversing the roles including transferring a complete software application, restoring rights or unused units to a main device.
  • Another system giving rise to transactions may be seen only between the main apparatus 10 and an accessory 12 in which the transactions referred to above, in particular reproduction, rights, unit, transfer of application, may occur.
  • the accessory described above has a format separate from a smart card, the accessory itself may include non-visible (hidden, buried) such contactless smart card.

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Abstract

The invention relates to a method for carrying out an electronic transaction between a main communication apparatus (1, 10) and a transaction terminal (3), characterized in that: a smart portable accessory (2, 12) is provided, which has a different format from a standardized chip card format and is capable of relaying the transaction or of representing said main apparatus relative to a transaction terminal; and the transaction is carried out by only presenting said accessory, instead of the main apparatus, to the transaction terminal. The invention also relates to the corresponding system.

Description

PROCEDE ET SYSTEME DE TRANSACTION ELECTRONIQUE VIA UN  METHOD AND SYSTEM FOR ELECTRONIC TRANSACTION VIA ONE
ACCESSOIRE PORTABLE  PORTABLE ACCESSORY
Domaine de l'invention Field of the invention
L'invention concerne en général un procédé pour réaliser une transaction électronique entre un appareil principal de communication ou un accessoire et un terminal de transaction. The invention generally relates to a method for performing an electronic transaction between a main communication apparatus or an accessory and a transaction terminal.
En particulier, elle concerne le domaine des procédés de communication avec un appareil de communication doté d'un moyen antivol.  In particular, it relates to the field of communication methods with a communication device provided with antitheft means.
Art Antérieur Previous Art
Des transactions électroniques au sens large peuvent s'effectuer par des dispositifs de communication radiofréquence tels que carte bancaire radiofréquence, étiquette électronique (RFID), badge électronique, passeport électronique, accessoire communiquant. Electronic transactions in the broad sense can be carried out by radiofrequency communication devices such as radiofrequency bank card, electronic tag (RFID), electronic badge, electronic passport, communicating accessory.
Il existe aujourd'hui la possibilité d'effectuer une transaction électronique radiofréquence pour un paiement, identification, accès ou autre par le biais d'un téléphone portable, (désigné par la suite par appareil ou dispositif) équipé d'une fonction radiofréquence NFC (Near field communication selon la terminologie Anglo-Saxonne). Ces transactions requièrent d'exposer généralement l'appareil radiofréquence à l'extérieur et ce dernier risque d'être dérobé au cours de la transaction. En outre, il peut être contraignant d'avoir à sortir l'appareil de son logement, sac, portefeuille, vêtement. There exists today the possibility of performing a radio frequency electronic transaction for payment, identification, access or other via a mobile phone (hereinafter referred to as an apparatus or device) equipped with an NFC radio frequency function ( Near field communication according to Anglo-Saxon terminology). These transactions require the radio frequency device to be exposed to the outside and the device may be stolen during the transaction. In addition, it may be compelling to have to take the device out of its housing, bag, wallet, garment.
On connaît l'association de montre dotée de fonction NFC (Near field communication) à des téléphones portables. Les montrent peuvent être appariées par NFC à un téléphone et ensuite des communications téléphoniques reçues par le téléphone peuvent être renvoyées par lui par Bluetooth sur la montre. Il devient inutile de sortir le téléphone de la poche puisque la communication téléphonique peut être prise au niveau de la montre. La fonction NFC de la montre sert uniquement à effectuer un appairage avec le téléphone dans le but ensuite de communiquer en Bluetooth™ entre eux pour relayer une communication téléphonique en cours. Cette montre réalise uniquement des échanges de communication de données téléphoniques, voix, images, SMS avec le téléphone. Les fonctionnalités de la montre sont relativement limitées et dépendantes du téléphone pour son fonctionnement. The watch association with Near Field Communication (NFC) function is known to mobile phones. The shows can be paired by NFC to a phone and then telephone communications received by the phone can be sent back by him via Bluetooth on the watch. It becomes unnecessary to take the phone out of the pocket since the telephone communication can be taken at the level of the watch. The NFC function of the watch is only used for pairing with the phone for the purpose of communicating via Bluetooth ™ to each other to relay a current telephone call. This watch only performs communication exchanges of telephone data, voice, pictures, SMS with the phone. The features of the watch are relatively limited and dependent on the phone for its operation.
Problème technique Technical problem
L'invention a donc pour but de remédier à au moins un des inconvénients de l'art antérieur. En particulier, l'invention vise principalement à proposer une solution pratique pour réaliser une transaction électronique radiofréquence sans risque de vol du dispositif radiofréquence. The invention therefore aims to remedy at least one of the disadvantages of the prior art. In particular, the invention aims primarily to provide a practical solution for performing a radio frequency electronic transaction without risk of theft of the radiofrequency device.
Par ailleurs, il peut y avoir un besoin pour contrôler ou limiter la mise en œuvre des applications de transaction qui peuvent être mal adaptées ou surdimensionnées pour un utilisateur telles qu'une application bancaire d'adulte avec un montant autorisé par semaine élevée par rapport à une utilisation par un enfant avec un montant autorisé moins élevé. Par exemple, on peut vouloir augmenter la sécurité des transactions ou empêcher leur réalisation en cas de vol d'un appareil apte à réaliser des transactions électroniques. Furthermore, there may be a need to control or limit the implementation of transaction applications that may be inappropriate or over-sized for a user such as an adult banking application with a permitted amount per week high compared to use by a child with a lower authorized amount. For example, we may want to increase the security of transactions or prevent their realization in case of theft of a device capable of performing electronic transactions.
Résumé de l'invention Summary of the invention
Le principe de l'invention repose sur l'utilisation d'un accessoire radiofréquence dissimulé discrètement dans un objet portable courant (non destiné à priori notamment de par son format à une utilisation pour une transaction sans-contact) tel qu'une montre, une bague, un bracelet ; Cet objet est apte à relayer ou à représenter le dispositif radiofréquence au moins pour une transaction ou une période de temps ou d'une certaine manière. L'accessoire est de préférence initialisé par l'appareil ou dispositif principal de transaction portable. The principle of the invention is based on the use of a radiofrequency accessory discreetly concealed in a current portable object (not intended in particular for its format to use for a contactless transaction) such as a watch, a ring, a bracelet; This object is able to relay or represent the radiofrequency device at least for a transaction or a period of time or in a certain way. The accessory is preferably initialized by the portable primary device or device.
De préférence, cet accessoire peut être initialisé, personnalisé ou paramétré à l'aide du dispositif principal contenant une application de transaction. L'accessoire comprend donc de préférence un format distinct du format standardisé d'une carte à puce par exemple bancaire ou de paiement.  Preferably, this accessory can be initialized, customized or parameterized using the main device containing a transaction application. The accessory therefore preferably includes a format different from the standardized format of a smart card for example banking or payment.
A cet effet, l'invention a pour objet un procédé pour réaliser une transaction électronique entre un dispositif principal ou accessoire de communication et un terminal de transaction; Le procédé est caractérise en ce qu'il comprend les étapes suivantes: - fourniture d'un accessoire portable intelligent apte à relayer la transaction ou à représenter ledit appareil principal vis à vis d'un terminal de transaction, For this purpose, the subject of the invention is a method for performing an electronic transaction between a main or accessory communication device and a transaction terminal; The method is characterized in that it comprises the following steps: providing a smart portable accessory capable of relaying the transaction or representing said main apparatus with respect to a transaction terminal,
- et réalisation de la transaction en présentant ledit accessoire au terminal de transaction à la place de l'appareil principal. Ainsi, l'invention permet d'éviter d'avoir à présenter l'appareil à un terminal de transaction et d'exposer l'appareil principal à des regards de tiers et à des risques de vol.  and performing the transaction by presenting said accessory to the transaction terminal in place of the main apparatus. Thus, the invention avoids having to present the device to a transaction terminal and expose the main device to the eyes of third parties and the risk of theft.
Selon d'autres caractéristiques / ou avantages : According to other characteristics / or advantages:
- Le procédé comprend selon un mode de mise en œuvre une étape d'installation d'une application bancaire (AB) dans l'appareil principal, l'accessoire relayant la transaction de manière transparente entre l'appareil principal et le terminal de transaction ;  The method comprises, according to an implementation mode, a step of installing a banking application (AB) in the main apparatus, the accessory relaying the transaction transparently between the main apparatus and the transaction terminal;
- Le procédé comprend de préférence une étape d'initialisation (ou d'initiation) de l'accessoire à l'aide de l'appareil principal ou d'appairage de l'accessoire à l'appareil principal ;  - The method preferably comprises a step of initialization (or initiation) of the accessory using the main device or pairing the accessory to the main unit;
- L'étape d'initialisation (ou d'initiation) peut comporter une phase de transfert / clonage d'informations choisies parmi :  The initialization (or initiation) step may comprise a transfer / cloning phase of information selected from:
- des informations (IP) d'une application de transaction électronique dans l'accessoire et/ou  - information (IP) of an electronic transaction application in the accessory and / or
- des informations comprenant un code PIN de l'appareil à l'accessoire ;  - information including a PIN code from the device to the accessory;
- L'étape d'initialisation / initiation peut comporter une phase de lancement d'une application de pilotage de l'accessoire par l'appareil principal ;  The initialization / initiation step may comprise a launching phase of an application for controlling the accessory by the main apparatus;
- L'étape d'initialisation / initiation peut prévoir de capter via l'appareil principal un code PIN ou équivalent nécessaire à une transaction future et de le transmettre à l'accessoire en toute sécurité pour permettre une transaction future ou en cours ;  - The initialization / initiation stage may provide for capturing via the main device a PIN code or equivalent necessary for a future transaction and to transmit it to the accessory in complete security to enable a future or current transaction;
- L'accessoire peut disposer de moyens de communication (FED) configurés pour relayer des données et instructions de commande entre l'appareil principal et le terminal ;  - The accessory may have communication means (FED) configured to relay data and control instructions between the main device and the terminal;
- La transaction peut être autorisée par action volontaire de l'utilisateur sur un interrupteur ou authentification biométrique par l'accessoire ; L'accessoire permettant ainsi d'améliorer la sécurité de la transaction. - The transaction may be authorized by voluntary action of the user on a switch or biometric authentication by the accessory; The accessory thus making it possible to improve the security of the transaction.
- Le procédé comprend une application logicielle de contrôle (AC) de la mise en œuvre d'une application logicielle de transaction (AB) notamment quant à une zone géographique, une période temporelle ou la manière de réaliser la transaction. Grâce à l'invention, il est aussi possible de contrôler ou compléter notamment au niveau de la sécurité, la mise en œuvre de l'application de transaction qui peut être standard et non modifiable - The method comprises a control software application (AC) of the implementation of a transaction software application (AB) including a geographical area, a time period or how to perform the transaction. Thanks to the invention, it is also possible to control or complete in particular at the level of the security, the implementation of the transaction application that can be standard and non-modifiable
L'invention vise également à proposer un système pour réaliser une transaction électronique entre un appareil principal ou accessoire de communication et un terminal de transaction, The invention also aims at proposing a system for carrying out an electronic transaction between a main apparatus or communication accessory and a transaction terminal,
caractérisé en ce qu'il comprend : characterized in that it comprises:
- un accessoire portable intelligent ayant un format distinct d'un format standardisé de carte à puce, apte à relayer la transaction ou à représenter ledit appareil principal vis à vis d'un terminal de transaction,  an intelligent portable accessory having a format that is distinct from a standardized smart card format, capable of relaying the transaction or representing said main apparatus with respect to a transaction terminal,
- des moyens de communication et d'initialisation / initiation de l'appareil principal pour initialiser / initier l'accessoire portable et des moyens de communication de l'accessoire avec un terminal de transaction pour réaliser la transaction électronique à la place de l'appareil principal par présentation de l'accessoire seul au terminal de transaction..  - Means of communication and initialization / initiation of the main device to initialize / initiate the portable accessory and means of communication of the accessory with a transaction terminal to perform the electronic transaction instead of the device principal by presenting the accessory alone to the transaction terminal.
Brève description des figures : Brief description of the figures:
D'autres particularités et avantages de l'invention apparaîtront à la lecture de la description suivante faite à titre d'exemple illustratif et non limitatif, en référence aux Figures annexées qui représentent : Other features and advantages of the invention will appear on reading the following description given by way of illustrative and nonlimiting example, with reference to the appended figures which represent:
• La Figure 1 illustre un schéma de transaction électronique selon un premier mode de mise en œuvre du procédé de l'invention entre un appareil principal et un terminal de transaction via un dispositif portable relais; · La Figure 2 illustre un schéma de transaction électronique selon un second mode de mise en œuvre du procédé de l'invention mettant en œuvre un accessoire portable; FIG. 1 illustrates an electronic transaction scheme according to a first embodiment of the method of the invention between a main apparatus and a transaction terminal via a portable relay device; FIG. 2 illustrates an electronic transaction scheme according to a second mode of implementation of the method of the invention implementing a portable accessory;
• Les Figures 3 et 4 illustrent un accessoire intelligent portable sous forme de montre respectivement en position ouverte et fermée ; • Figures 3 and 4 illustrate a portable intelligent accessory in the form of a watch respectively in open and closed position;
• Les Figure 5 et 6 illustrent un accessoire intelligent portable sous forme de bracelet respectivement en position ouverte et fermée ; • Figures 5 and 6 illustrate a portable intelligent accessory in the form of a bracelet respectively in open and closed position;
• Les Figures 7 et 8 illustrent un accessoire intelligent portable sous forme de bague respectivement en position déverrouillée et verrouillée ou déposée / portée; Description • Figures 7 and 8 illustrate a portable intelligent accessory in the form of a ring respectively in unlocked and locked position or deposited / worn; Description
A la figure 1 , est illustré un premier mode de mise en œuvre du procédé de l'invention pour réaliser une transaction électronique entre un appareil principal de communication 1 et un terminal de transaction 3. Par transaction, on entend tout échange (données, instructions, signaux, messages...) unilatéral ou bilatéral entre deux objets de communication. Ces échanges peuvent être à des fins diverses telles que transactions bancaires, identité, authentification, accès, débit, crédit... Un système 40 pour réaliser une transaction est composé d'un appareil principal 1 , d'un accessoire 2 et d'un terminal 3. L'appareil principal 1 est ici un téléphone portable intelligent mais peut être tout autre objet, dispositif intelligent tel un assistant personnel (PDA) un ordinateur portable (LP), ou autre appareil principal de communication portable. L'appareil dans l'exemple dispose notamment de moyen de traitement μC, de moyens de mémorisation (volatile et non volatile), au moins une interface de communication avec un accessoire associé (décrit ci-dessous) et au moins une interface de communication avec le terminal de transaction 3 qui peut être la même que la précédente. Cette interface de communication peut être de tout type technologique tel que Bluetooth (BT, wifi, NFC, Radiofréquence RF, UHF, optique, infrarouge...) pour établir une communication 4 avec l'accessoire. FIG. 1 illustrates a first embodiment of the method of the invention for performing an electronic transaction between a main communication device 1 and a transaction terminal 3. By transaction, any exchange (data, instructions , signals, messages ...) unilateral or bilateral between two communication objects. These exchanges may be for various purposes such as banking transactions, identity, authentication, access, debit, credit ... A system 40 for carrying out a transaction is composed of a main apparatus 1, an accessory 2 and a terminal 3. The main apparatus 1 is here a smart mobile phone but can be any other object, intelligent device such as a personal assistant (PDA) a laptop (LP), or other main device of portable communication. The apparatus in the example notably has processing means μC, storage means (volatile and non-volatile), at least one communication interface with an associated accessory (described below) and at least one communication interface with the transaction terminal 3 which may be the same as the previous one. This communication interface can be of any technological type such as Bluetooth (BT, wifi, NFC, RF radio frequency, UHF, optical, infrared ...) to establish a communication 4 with the accessory.
De préférence, la communication 4 entre l'appareil principal de communication 1 et l'accessoire relais est de type Bluetooth™ (désigné par la suite aussi BT), tandis que celle 5 entre l'accessoire relais et l'appareil de transaction est de type radiofréquence NFC, RF notamment selon la norme ISO 14443. Preferably, the communication 4 between the main communication device 1 and the relay accessory is of Bluetooth ™ type (hereinafter also referred to as BT), while that between the relay accessory and the transaction apparatus is radio frequency type NFC, RF in particular according to the ISO 14443 standard.
L'appareil principal de communication 1 comprend de préférence des moyens d'interface homme / machine (IHM) avec un utilisateur tels que clavier 7, afficheur 8. Dans l'exemple, l'afficheur et clavier sont tactiles. L'appareil 1 comprend également au moins une application de transaction 6 dans une mémoire interne (SE) ou une mémoire de masse externe telle une carte à mémoire de masse (Mini SIM, SD, micro SD) ou une clé USB de préférence sécurisée. Dans l'exemple, l'application est dans une carte SIM qui est reliée de manière connue par à un contrôleur NFC munie d'une interface radiofréquence.  The main communication device 1 preferably comprises man-machine interface (HMI) means with a user such as keyboard 7, display 8. In the example, the display and keyboard are tactile. The device 1 also comprises at least one transaction application 6 in an internal memory (SE) or an external mass memory such as a mass memory card (Mini SIM, SD, micro SD) or a USB key preferably secure. In the example, the application is in a SIM card which is connected in known manner by an NFC controller provided with a radio frequency interface.
En l'occurrence dans l'exemple, l'application logicielle (AB) de transaction 6 est de type bancaire, financière, ou de paiement. Cette application de transaction permet d'effectuer une transaction électronique avec le terminal 3 de transaction tel un terminal bancaire (ATM, POS), une borne d'accès, un distributeur de biens de consommation... In this case in the example, the transaction software application (AB) 6 is of the banking, financial, or payment type. This transaction application makes it possible to perform an electronic transaction with the transaction terminal 3 such as a banking terminal (ATM, POS), a base station, a consumer goods distributor ...
Dans l'exemple, il s'agit d'un terminal de paiement portable lecteur radiofréquence de proximité notamment de cartes sans-contact ou de téléphone portable doté d'une fonction NFC et/ou d'un mode émulation carte sans-contact. Alternativement, le téléphone ou appareil peut-être aussi dépourvu de certaines capacités notamment radiofréquence (NFC), qui sont incluses de manière complémentaires dans l'accessoires apportant ainsi un intérêt supplémentaire à l'accessoire 2. Selon un mode de mise en œuvre, l'invention comprend une étape de fourniture d'un accessoire portable intelligent 2. Ce dernier, selon le mode illustré à la figure 1 , est apte à relayer la transaction ou selon le mode illustré à la figure 2, à représenter ledit appareil principal vis à vis d'un terminal de transaction. A cet effet, l'accessoire 2 peut comprendre des moyens de communication et d'interface apte à transposer une communication Bluetooth en communication radiofréquence. Alternativement, l'accessoire peut extraire des données ou instructions reçues de l'appareil principal sous forme de trames radiofréquences encapsulées dans un autre protocole de communication tel un protocole Bluetooth. Dans l'exemple (figure 1 ), l'accessoire et l'appareil sont configurés pour encapsuler et dé encapsuler des trames radiofréquences dans des messages de type Bluetooth notamment quand ils communiquent l'un avec l'autre. Ainsi, les données ou instructions émises par l'appareil principal 1 sous forme de trames radiofréquences sont reçues par l'accessoire en étant encapsulées notamment par le protocole Bluetooth et inversement pour celles émises par l'accessoire vers l'appareil principal. In the example, it is a portable payment terminal radio proximity reader including contactless cards or mobile phone with an NFC function and / or cardless emulation card mode. Alternatively, the phone or device may also lack certain capabilities including radio frequency (NFC), which are included in a complementary way in the accessories thus bringing additional interest to the accessory 2. According to one embodiment, the invention comprises a step of providing an intelligent portable accessory 2. The latter, according to the mode illustrated in FIG. 1, is able to relay the transaction or according to the mode illustrated in FIG. vis of a transaction terminal. For this purpose, the accessory 2 may comprise communication and interface means adapted to transpose a Bluetooth communication in radio frequency communication. Alternatively, the accessory can extract data or instructions received from the main device in the form of radio frequency frames encapsulated in another communication protocol such as a Bluetooth protocol. In the example (Figure 1), the accessory and the device are configured to encapsulate and encapsulate radio frequency frames in Bluetooth type messages especially when they communicate with each other. Thus, the data or instructions transmitted by the main apparatus 1 in the form of radio frequency frames are received by the accessory being encapsulated in particular by the Bluetooth protocol and vice versa for those transmitted by the accessory to the main device.
Les données ou instructions reçues par l'accessoire peuvent être décodées ou dés encapsulées par l'accessoire avant d'être renvoyées par l'accessoire ou alternativement placé provisoirement dans une mémoire de l'accessoire pour être lus par le terminal de transaction. L'accessoire peut soit réémettre lui-même les données et/ou instructions de manière active dès qu'elles sont disponibles, soit permettre passivement une lecture par le terminal de transaction agissant comme lecteur. The data or instructions received by the accessory can be decoded or encapsulated by the accessory before being returned by the accessory or alternately placed temporarily in a memory of the accessory to be read by the transaction terminal. The accessory can either retransmit itself the data and / or instructions actively as soon as they are available, or passively allow a reading by the transaction terminal acting as a reader.
Les données et/ou instructions provenant de l'appareil principal sont reçu et extrait dans l'accessoire puis lu ou transmis par une communication 5 sous forme de trames radiofréquences au terminal de transaction 3. Ainsi, selon une autre caractéristique ou variante de mise en œuvre, le procédé prévoit que l'accessoire dispose de moyens de communication configurés pour relayer des données et instructions de commande entre l'appareil principal et le terminal. The data and / or instructions from the main apparatus are received and extracted in the accessory and then read or transmitted by a communication in the form of radio frequency frames to the transaction terminal 3. Thus, according to another feature or implementation variant, the method provides that the accessory has communication means configured to relay data and control instructions between the main device and the terminal.
Avantageusement, l'accessoire 2 dans l'exemple, est une montre électronique comprenant des moyens d'interface d'une part avec le terminal de transaction 3 et d'autre part avec l'appareil principal 1 comme indiqué précédemment. La montre comprend un bracelet pour la porter au poignet. L'accessoire peut comprendre des moyens de mémorisation tampon pour mémoriser au moins temporairement des données et/ou instructions à échanger entre le terminal de transaction et l'appareil principal. Alternativement, les données et instructions peuvent ne pas être stockées mais relayées au fur et à mesure qu'elles lui parviennent. La montre peut comprendre un boîtier de montre avec un afficheur digital ou non, de préférence sensitif pour interagir avec l'utilisateur comme sur l'appareil 1. Advantageously, the accessory 2 in the example, is an electronic watch comprising interface means on the one hand with the transaction terminal 3 and on the other hand with the main apparatus 1 as indicated above. The watch includes a bracelet to wear on the wrist. The accessory may comprise buffer memory means for storing at least temporarily data and / or instructions to be exchanged between the transaction terminal and the main apparatus. Alternatively, data and instructions may not be stored but relayed as they arrive. The watch may comprise a watch case with a digital display or not, preferably sensitive to interact with the user as on the device 1.
Alternativement, la communication entre l'appareil principal et l'accessoire peut être du type électrique à travers le corps ou à la surface de la peau. Des moyens capacitifs peuvent être présents dans chacun des appareils et accessoire pour collecter les échanges de signaux avant d'extraire des informations (données, instructions) pour traitement. Alternativement aussi, les échanges entre l'accessoire et le terminal peuvent être capacitif. L'accessoire peut être configuré pour simplement relayer un signal capacitif, électrique ou autre. Le cas échéant, l'accessoire peut comprendre des moyens d'amplification du signal reçu avec ou sans source d'énergie, batterie embarquée. Selon une autre caractéristique ou variante de mise en œuvre, le procédé prévoit de mettre œuvre une étape d'installation d'une application logicielle notamment bancaire dans l'appareil principal. L'accessoire relaye des échanges de la transaction de manière transparente entre l'appareil principal contenant l'application bancaire (ou tout autre application de transaction notamment de contrôle d'accès, de paiement...) et le terminal de transaction. Alternatively, the communication between the main apparatus and the accessory may be of the electrical type through the body or on the surface of the skin. Capacitive means may be present in each of the apparatus and accessory for collecting the signal exchanges before extracting information (data, instructions) for processing. Alternatively, the exchanges between the accessory and the terminal can be capacitive. The accessory can be configured to simply relay a capacitive signal, electrical or other. If necessary, the accessory may include means for amplifying the received signal with or without an energy source, on-board battery. According to another characteristic or variant of implementation, the method provides for implementing a step of installing a software application including banking in the main device. The accessory relay transactions transparently transaction between the main device containing the banking application (or any other transaction application including access control, payment ...) and the transaction terminal.
Ainsi, un utilisateur peut porter un accessoire 2 de manière discrète sous forme de montre et disposer son appareil principal 1 tel que son téléphone, dans sa poche ou son sac. Au cours d'une transaction, l'utilisateur approche son accessoire proche du lecteur terminal de transaction. Le lecteur émet un signal d'interrogation / lecture à destination de l'appareil principal sous forme de trames radiofréquences ; l'accessoire peut être alimenté par l'énergie du champ radiofréquence du lecteur récupérée. Cette énergie peut servir à effectuer un traitement des données et instruction (par exemple instruction de lecture d'un droit, ou identifiant, ou commande de décompte de droits, d'unités de valeur, financières ou autre. Thus, a user can wear an accessory 2 discreetly in the form of a watch and have his main device 1 such as his phone in his pocket or bag. During a transaction, the user approaches his accessory near the transaction terminal reader. The reader sends a poll / read signal to the device principal in the form of radio frequency frames; the accessory can be powered by the energy of the radiofrequency field of the retrieved reader. This energy can be used to perform data processing and instruction (eg read instruction of a right, or identifier, or order of settlement of rights, units of value, financial or other.
Dans l'exemple, la montre comprend une antenne radiofréquence qui capte le champ radiofréquence véhiculant l'énergie et les données et/ou instructions du lecteur radiofréquence. Cette énergie est utilisée pour extraire les trames de données et/ou instructions radiofréquences et pour effectuer un traitement d'encapsulation et d'émission de ces trames selon le protocole Bluetooth à destination de l'appareil principal 1 .  In the example, the watch comprises a radiofrequency antenna which captures the radiofrequency field conveying the energy and the data and / or instructions of the radiofrequency reader. This energy is used to extract the data frames and / or radio frequency instructions and to perform encapsulation processing and transmission of these frames according to the Bluetooth protocol to the main unit 1.
L'appareil principal 1 reçoit les signaux Bluetooth de l'accessoire puis en extrait les trames radiofréquences pour les transmettre et traitement par les moyens d'interface radiofréquence NFC (mis notamment en mode d'émulation carte sans contact). Les moyens d'interface radiofréquence renvoient une information (données, instruction) demandée en mettant en œuvre l'application de transaction préalablement chargée. Cette information est à son tour renvoyée sous forme de trames radiofréquences encapsulées selon le protocole Bluetooth à destination de l'accessoire. L'accessoire 2 reçoit le signal Bluetooth, en extrait les trames radiofréquences et les données ou instructions correspondantes et les transmet au lecteur notamment en modulant le champ radiofréquence de lecture du lecteur. The main unit 1 receives the Bluetooth signals from the accessory then extracts the radio frequency frames for transmission and processing by means of NFC radio frequency interface (in particular in contactless card emulation mode). The radiofrequency interface means return information (data, instruction) requested by implementing the previously loaded transaction application. This information is in turn sent back as radio frequency frames encapsulated according to the Bluetooth protocol for the accessory. The accessory 2 receives the Bluetooth signal, extracts the radio frequency frames and the corresponding data or instructions and transmits them to the reader, notably by modulating the radio frequency reading field of the reader.
Selon une autre caractéristique ou variante de mise en œuvre, le procédé prévoit de préférence une étape d'initialisation (ou initiation) de l'accessoire à l'aide de l'appareil principal ou d'appairage de l'accessoire à l'appareil principal. L'appareil comprend dans l'exemple une application d'initialisation et/ou d'appairage (A1 ). According to another characteristic or variant of implementation, the method preferably provides a step of initialization (or initiation) of the accessory using the main device or pairing the accessory to the device main. The apparatus comprises in the example an initialization and / or pairing application (A1).
Dans l'exemple, au préalable, on crée un appairage notamment Bluetooth ou wifi entre l'appareil principal et l'accessoire. L'avantage est de ne permettre un relais de données entre deux appareils que s'ils sont à proximité l'un de l'autre et appariés ensemble. Ainsi en cas de vol de l'accessoire, il est impossible de s'en servir seul sans l'appareil principal. In the example, beforehand, we create a pairing including Bluetooth or wifi between the main device and the accessory. The advantage is to allow data relay between two devices only if they are close to each other and paired together. Thus in case of theft of the accessory, it is impossible to use it alone without the main device.
L'avantage de l'invention est de permettre une réalisation d'une transaction en présentant l'accessoire au terminal de transaction à la place de l'appareil principal. Ce dernier peut être dissimulé ou non exposé en étant porté dans un vêtement ou sacoche, sac... A la figure 2, on décrit selon un second mode de réalisation, un système de transaction 30 comprenant un accessoire 12 et un terminal de transaction 3. Selon un second mode correspondant de mise en œuvre, l'accessoire de transaction électronique 12 est apte à représenter un appareil principal 10 de communication vis à vis d'un terminal de transaction 10. A cet effet, l'accessoire a été configuré au préalable et il a été procédé dans le téléphone à une installation d'une application spécifique de gestion d'accessoire, appairage...; dans ce cas, le téléphone peut quasiment servir que d'écran déporté de l'accessoire. Les mêmes numéros de références représentent les mêmes éléments ou similaires par rapport à la figure précédente. Par ailleurs les éléments 1 , 2 peuvent être identiques ou similaire aux éléments 10, 12 en ayant certaines fonctions communes. The advantage of the invention is to allow a realization of a transaction by presenting the accessory to the transaction terminal in place of the main device. The latter may be concealed or not exposed while being worn in a garment or bag, bag ... In FIG. 2, according to a second embodiment, a transaction system 30 comprising an accessory 12 and a transaction terminal 3 is described. According to a second corresponding mode of implementation, the electronic transaction accessory 12 is able to represent a main communication device 10 with respect to a transaction terminal 10. For this purpose, the accessory has been configured beforehand and the phone has been installed in a specific application of a management application. accessory, pairing ...; in this case, the phone can almost only serve as a remote screen of the accessory. The same reference numbers represent the same or similar elements as in the previous figure. Moreover, the elements 1, 2 may be identical or similar to the elements 10, 12 while having certain common functions.
L'accessoire 12 peut comprendre comme à la figure 1 , des mêmes moyens matériels électroniques notamment de communication et/ou d'interface avec l'appareil principal 10 et avec le terminal de transaction 3. Il peut comprendre une interface homme /machine (clavier 7, écran 8). Toutefois, à la différence du premier mode de réalisation, le second mode peut s'affranchir de la présence de l'appareil principal au cours d'une transaction avec le terminal de transaction. Comme autre différence avec le premier mode, dans ce second mode, l'accessoire comprend au moins une application de transaction (par exemple A2) visée au premier mode et contenue dans des moyens de stockage identiques ou similaires notamment dans une mémoire interne (SE2) ou une mémoire de masse externe telle une carte à mémoire de masse (Mini SIM, SD, micro SD) ou une clé USB de préférence sécurisée. Alternativement, l'accessoire lui-même peut réaliser la fonction d'une clé USB comprenant une ou plusieurs interfaces de communication sans contact. L'application de transaction dans l'accessoire permet d'effectuer directement (sans présence ou intervention de l'appareil principal lors de la transaction) une transaction électronique avec un terminal 3 de transaction tel un terminal bancaire (ATM, POS), une borne d'accès, un distributeur de biens de consommation... The accessory 12 may comprise, as in FIG. 1, the same electronic hardware means in particular for communication and / or interface with the main apparatus 10 and with the transaction terminal 3. It may comprise a human / machine interface (keyboard 7, screen 8). However, unlike the first embodiment, the second mode can be freed from the presence of the main device during a transaction with the transaction terminal. As another difference with the first mode, in this second mode, the accessory comprises at least one transaction application (for example A2) referred to in the first mode and contained in identical or similar storage means in particular in an internal memory (SE2) or an external mass memory such as a mass memory card (Mini SIM, SD, micro SD) or a USB key preferably secure. Alternatively, the accessory itself can perform the function of a USB key comprising one or more contactless communication interfaces. The transaction application in the accessory makes it possible to carry out directly (without presence or intervention of the main apparatus during the transaction) an electronic transaction with a transaction terminal 3 such as a banking terminal (ATM, POS), a terminal access, a distributor of consumer goods ...
Selon une autre caractéristique ou variante de mise en œuvre du second mode, le procédé prévoit également de préférence une étape d'initialisation (ou d'initiation) de l'accessoire à l'aide notamment de l'appareil principal ou d'appairage de l'accessoire (notamment à l'appareil principal) de manière à ce que l'appareil principal puisse être représenté par l'accessoire. Le terme initiation peut aussi comprendre la notion de configuration, de formation, de transfert de moyens, d'informations, d'apprentissage, formation permettant à l'accessoire de réaliser une transaction à la place de l'appareil principal. According to another characteristic or variant of implementation of the second embodiment, the method also preferably provides a step of initialization (or initiation) of the accessory, in particular using the main or pairing device of the second embodiment. the accessory (including the main unit) so that the main unit can be represented by the accessory. The term initiation can also include the concept of configuration, training, transfer of means, information, learning, training allowing the accessory to perform a transaction in place of the main device.
L'appareil comprend donc également de préférence une application d'initialisation (initiation) et/ou d'appairage (A1 ) d'un accessoire associé (12). Vu du terminal de transaction, l'accessoire comprend touts les attributs de l'appareil requis pour réaliser la transaction comme si c'était l'appareil de transaction lui-même (droits, protocole, clés, procédures, identification, authentification ou tout autre élément matériel ou logiciel...) The apparatus therefore also preferably comprises an initialization (initiation) and / or pairing (A1) application of an associated accessory (12). Given the transaction terminal, the accessory includes all the attributes of the device required to perform the transaction as if it were the transaction device itself (rights, protocol, keys, procedures, identification, authentication or any other hardware or software element ...)
A cet effet, selon une caractéristique ou variante de mise en œuvre de ce second mode, le procédé prévoit que l'étape d'initialisation ci-dessus comporte une phase de transfert ou de clonage d'informations (données, fonctions, programme...) choisies parmi : For this purpose, according to a feature or variant implementation of this second mode, the method provides that the initialization step above includes a transfer phase or cloning information (data, functions, program .. .) chosen from:
- des informations d'une application de transaction électronique (par ex. A2) dans l'accessoire et/ou  - information from an electronic transaction application (eg A2) in the accessory and / or
- des informations (IP) comprenant un code PIN de l'appareil principal à l'accessoire et/ou des moyens de gestion de la saisie d'un code PIN par l'utilisateur notamment au moment de la transaction.  - Information (IP) comprising a PIN from the main device to the accessory and / or means for managing the entry of a PIN code by the user especially at the time of the transaction.
Les informations relatives à l'application de transaction peuvent comprendre notamment, l'application logicielle de transaction électronique elle-même telle qu'elle est présente dans le terminal de transaction (programme, données personnelles, identifiant, compte bancaire, adresse, référence de commerçant, montant découvert autorisé, crédit, débit...). Les informations peuvent comprendre le code PIN ou autre élément d'authentification (empreinte, élément biométrique numérisé) de manière permanente ou provisoire comme décrit ci-dessous. The information relating to the transaction application may include, in particular, the electronic transaction software application itself as it is present in the transaction terminal (program, personal data, identifier, bank account, address, merchant reference , overdraft amount authorized, credit, debit ...). The information may include the PIN or other authentication element (fingerprint, digitized biometric element) permanently or temporarily as described below.
Ainsi, grâce à l'invention, on peut doter l'accessoire des informations ou données nécessaires pour réaliser au moins une transaction. Si l'accessoire est doté des applications bancaires personnalisées, la copie du PIN dans l'accessoire peut être est suffisante. Ces informations peuvent provenir de l'appareil principal personnel ou autre appareil de personnalisation notamment en libre service (borne interactive...) apte à transférer des informations, droits, abonnement, personnalisation. Par exemple, un utilisateur peut programmer l'accessoire la veille à l'aide de l'appareil principal de manière à ce que l'accessoire représente l'appareil de transaction pour un accès au métro dans la limite d'un aller et retour et le cas échéant dans certaines plages horaires. (Par exemple, l'application de paiement de métro ou autre moyen transport peut être dans l'accessoire, le PIN peut être copié du téléphone vers l'accessoire, et effacé lorsque l'accessoire est ôté de la poignée/main ou à la fin de la journée ou autre période de temps grâce à une horloge interne. Thus, thanks to the invention, the accessory can be equipped with the information or data necessary to carry out at least one transaction. If the accessory has custom banking applications, the copy of the PIN in the accessory may be sufficient. This information can come from the main personal device or other personalization device including self-service (interactive terminal ...) able to transfer information, rights, subscription, personalization. For example, a user can program the accessory the day before using the main unit so that the accessory represents the transaction device for access to the metro within the limit of a round trip and if necessary within certain time periods. (For example, the subway payment application or other means of transportation can be in the accessory, the PIN can be copied from the phone to the accessory, and cleared when the accessory is removed from the handle / hand or at the end of the day or another period of time through an internal clock.
L'utilisateur peut, alternativement, programmer l'accessoire pour permettre un achat d'un montant maximal prédéterminé. The user can, alternatively, program the accessory to allow a purchase of a predetermined maximum amount.
Alternativement, la programmation peut permettre de donner le code PIN une seule fois et/ou d'autoriser une transaction avec code PIN dans une plage horaire ou avec certains terminaux de transaction préalablement identifiés (relatif à un organisme ou localisé à un endroit). Un GPS (global positioning System) ou équivalent peut être incorporé dans l'accessoire pour permettre la localisation et autoriser ou non une transaction en fonction des zones autorisées pour réaliser une transaction. Ainsi, l'utilisateur a un contrôle géographique sur les transactions en cas de vol de son accessoire. L'utilisateur peut ainsi s'affranchir d'exposer son appareil principal tel un téléphone portable à des regards indiscrets. L'appareil peut demeurer au domicile ou dans une poche ou sac en étant actif ou non. L'invention permet ainsi d'éviter un vol de l'appareil principal quand celui-ci est exposé au cours d'une transaction. L'utilisateur peut choisir la nécessité d'avoir l'appareil 1 et l'accessoire 2 proches ou non pour effectuer des transactions. Alternatively, the programming can make it possible to give the PIN code once and / or to authorize a transaction with a PIN code within a time slot or with certain transaction terminals previously identified (relating to an organization or located in one place). A GPS (Global Positioning System) or equivalent can be incorporated in the accessory to allow the location and allow or not a transaction based on the authorized areas to perform a transaction. Thus, the user has a geographical control on the transactions in case of theft of his accessory. The user can thus free himself from exposing his main device like a mobile phone to prying eyes. The device can remain at home or in a pocket or bag while active or not. The invention thus prevents a theft of the main device when it is exposed during a transaction. The user can choose the need to have the device 1 and the accessory 2 close or not to carry out transactions.
Conformément à une autre caractéristique ou variante de mise en œuvre, le procédé prévoit qu'au moins l'une des étapes d'initialisation / initiation ou d'appairage ci-dessus comporte une phase de lancement d'une application de pilotage de l'accessoire par l'appareil principal. Ce lancement peut être effectué, par exemple, notamment par sélection de l'utilisateur dans un menu affiché par l'appareil principal. Des paramètres peuvent être proposés par le menu comme montant autorisé, nombre de transaction avec authentification par PIN et/ou avec authentification biométrique. Ainsi, l'utilisateur peut ou non à souhait, durcir ou alléger le niveau de sécurité mise en œuvre dans ses opérations notamment financières, bancaire selon les enjeux impliqués ou dangerosité de l'endroit où s'effectue la transaction ou le doute quant à la confiance du tiers ou terminal avec lequel s'effectue la transaction électronique, ou le temps dont dispose l'utilisateur pendant la transaction. According to another characteristic or variant of implementation, the method provides that at least one of the initialization / initiation or pairing steps above comprises a launching phase of a steering application of the accessory by the main unit. This launch can be performed, for example, in particular by selecting the user in a menu displayed by the main device. Parameters can be proposed by the menu as authorized amount, number of transaction with authentication by PIN and / or with biometric authentication. Thus, the user may or may not wish, harden or lighten the level of security implemented in its operations including financial, banking depending on the issues involved or dangerousness of the place where the transaction takes place or doubt as to the third-party trust or terminal with which the electronic transaction takes place, or the time the user has during the transaction.
Ainsi, l'invention permet de contrôler la mise en œuvre de l'application de transaction (qui peut être standard et non modifiable) déportée dans l'accessoire, par l'intermédiaire d'une autre application logicielle de contrôle qui lui a été associée et paramétrée dans l'accessoire. Le contrôle peut être notamment relatif à une zone géographique, une période temporelle ou à la manière autorisée par l'utilisateur (montant maximum, niveau de sécurité, authentification, identification des terminaux de transaction autorisés, type de transaction incluant par exemple un accès à des transports, un achat alimentaire ou vestimentaire, un paiement au restaurant, à l'hôtel, à un taxi, ...) pour réaliser la transaction. Thus, the invention makes it possible to control the implementation of the transaction application (which may be standard and non-modifiable) transferred to the accessory, via another control software application which has been associated with it. and set in the accessory. The control may relate in particular to a geographical area, a time period or in the manner authorized by the user (maximum amount, security level, authentication, identification of authorized transaction terminals, type of transaction including for example access to transportation, a food or clothing purchase, a payment to the restaurant, hotel, taxi, ...) to complete the transaction.
L'application logicielle de contrôle peut mettre en œuvre un test comparatif de paramètres de localisation fournis notamment par GPS interne (reçu de l'extérieur). Le test peut comparer des paramètres de temps fournis notamment par une horloge interne ; Le test peut comparer une limite de montant de transaction autorisé (notamment programmée en interne), une identification de terminal autorisé ou prédéfinis ; Les paramètres peuvent comprendre ou définir l'objet de la transaction, un lieu ou zone géographique de la transaction, une identification de tiers contractuel intervenant dans la transaction. The control software application can implement a comparative test of location parameters provided in particular by internal GPS (received from outside). The test can compare time parameters provided in particular by an internal clock; The test can compare an authorized transaction amount limit (including internally programmed limit), an authorized terminal identification or predefined; The parameters can include or define the purpose of the transaction, a location or geographical area of the transaction, an identification of contractual third parties involved in the transaction.
L'invention permet de déporter ou dupliquer des droits de transaction dans un ou plusieurs accessoires à partir d'un appareil principal. Ainsi, par exemple, un détenteur d'appareil principal ayant une application de porte monnaie électronique, peut déléguer ou transférer quotidiennement à deux enfants dotés chacun d'un accessoire un certain montant avec des affectation quant à l'utilisation, par exemple à l'un deux euros pour distributeur de boisson du collège ayant un identifiant, six euros pour un repas à la cantine du collège à et à l'autre 2 euros pour ligne de transport identifié aller et retour, 5 euros pour autre dépenses dans une zone géographique limitée à une ville et environ. On retrouve ici une fonction de l'invention pour la distribution d'unité de paiement notamment d'un parent à ses enfants, mais avec plus de sécurité par rapport au vol et contrôle notamment parental de l'usage de ces unités. L'accessoire peut conserver une trace des transactions non autorisées et tentées par un porteur de l'accessoire pour information du détenteur de l'appareil lors d'une collecte d'information ou échange ultérieur entre l'appareil principal et un accessoire. Le cas échéant, des paramètres de contrôle de l'application de contrôle (AC ou 16) pour la mise en œuvre de l'application de transaction peuvent être réglés ou saisie directement sur l'accessoire. A cet effet, l'accessoire peut comprendre une interface homme /machine (clavier, écran sensitif ou non, capteur d'empreinte...) Conformément à une autre caractéristique ou variante de mise en œuvre applicable aux deux modes ci-dessus, le procédé prévoit que l'application de pilotage ci-dessus, peut capter via une interface (IHM) quelconque homme / machine de l'appareil principal (clavier, écran sensitif, système de reconnaissance vocale...) un code PIN ou équivalent nécessaire à une transaction future et de le transmettre à l'accessoire en toute sécurité (notamment chiffrer ou codé) pour permettre une transaction future ou en cours. Le code PIN ou équivalent peut être stocké sous formé chiffrée ou codé dans l'accessoire et avant ou au moment de la transaction être délivré sous forme décodée ou déchiffrée. The invention makes it possible to deport or duplicate transaction rights in one or more accessories from a main device. Thus, for example, a primary device holder having an electronic wallet application, can delegate or transfer daily to two children each with an accessory a certain amount with assignments as to the use, for example to the a two euros for college beverage dispenser with an identifier, six euros for a meal in the canteen of the college to and the other 2 euros for identified transport line back and forth, 5 euros for other expenses in a limited geographical area to a city and around. Here we find a function of the invention for the distribution of payment unit including a parent to his children, but with greater security compared to theft and parental control especially of the use of these units. The accessory can keep a record of unauthorized transactions attempted by a holder of the accessory for information of the holder of the device during a collection of information or subsequent exchange between the main device and an accessory. If necessary, control application control parameters (AC or 16) for the implementation of the transaction application can be set or entered directly on the accessory. For this purpose, the accessory may comprise a man / machine interface (keypad, sensitive or non-sensitive display, impression sensor, etc.). In accordance with another characteristic or implementation variant applicable to the two modes above, the method provides that the above driving application, can capture via any interface (HMI) man / machine of the main device (keyboard, touch screen, voice recognition system ...) a PIN code or equivalent necessary to a future transaction and transmit it to the accessory securely (including encryption or encryption) to enable a future or ongoing transaction. The PIN code or equivalent may be stored in encrypted form or encoded in the accessory and before or at the time of the transaction be delivered in decoded or decrypted form.
Alternativement, le terminal demande d'introduire le code PIN par l'utilisateur au cours de la transaction et le transmet à l'accessoire pour comparaison et retourner une validation au terminal bancaire. Alternatively, the terminal requests to enter the PIN code by the user during the transaction and transmits it to the accessory for comparison and return a validation to the banking terminal.
Conformément à une autre caractéristique ou variante de mise en œuvre applicable à tous les modes décrits, le procédé prévoit de préférence que la transaction est autorisée par action volontaire de l'utilisateur sur un interrupteur ou par authentification biométrique par l'accessoire. Comme précédemment, l'authentification peut être saisie sur le terminal de transaction qui soumet les données à l'accessoire pour validation (par exemple comme le code PIN pour une carte bancaire). Le PIN peut aussi être saisi directement sur l'accessoire, comme décrit plus haut. According to another characteristic or implementation variant applicable to all the modes described, the method preferably provides that the transaction is authorized by voluntary action of the user on a switch or biometric authentication by the accessory. As before, the authentication can be entered on the transaction terminal which submits the data to the accessory for validation (for example as the PIN code for a bank card). The PIN can also be entered directly on the accessory, as described above.
L'invention peut prévoir une fonction de sécurité déportée au niveau de l'accessoire par exemple une action volontaire d'authentification biométrique (code PIN) au niveau de l'accessoire pour permettre à l'accessoire de relayer une réponse de l'appareil principal ou autre échanges conduisant à conclure une transaction avec le terminal de transaction. Cela permet d'éviter de sortir l'appareil principal pour saisir un code PIN ou s'authentifier autrement. The invention may provide a security function remote at the accessory for example a voluntary action of biometric authentication (PIN code) at the accessory to allow the accessory to relay a response of the main device or other exchanges leading to a transaction with the transaction terminal. This avoids exiting the main unit to enter a PIN or otherwise authenticate.
Une fois initialisé, programmé, personnalisé temporairement, l'appareil 10 peut être laissé à domicile pendant que l'accessoire est utilisé hors du domicile car des fonctionnalités lui ont été déportée L'accessoire peut avoir des fonctions de communications avancées comme de téléphonie cellulaire, wifi comme l'appareil principal. L'accessoire permet d'utiliser des ressources ou droits justes et nécessaires prélevés de l'appareil principal pour une période déterminée ou autres critères déterminés. L'accessoire étant en principe moins onéreux et permet une sécurité personnalisée avec un degré de finesse optimisée selon le souhait de l'utilisateur qui n'est peut être pas permise par l'appareil principal. Once initialized, programmed, and temporarily personalized, the apparatus 10 may be left at home while the accessory is used outside the home because functions have been deported to it. The accessory may have advanced communications functions such as cellular telephony. wifi as the main device. The accessory allows the use of just and necessary resources or rights taken from the main unit for a specified period or other specified criteria. The accessory is in principle less expensive and allows a personalized security with a degree of finesse optimized according to the wishes of the user that may not be allowed by the main device.
En fonctionnement, au cours d'une transaction, un porteur de l'accessoire préalablement programmé notamment avec l'appareil principal, se présente face au terminal de transaction. Un échange s'opère entre l'accessoire et le terminal de transaction si un test relatif à un des paramètres prédéterminé est réussi. Le contrôle peut s'effectuer soit avant de commencer une transaction, par exemple, la fonction NFC est inhibée tant que le paramètre n'est pas satisfaisant (par exemple localisation, l'heure de transaction hors d'une plage autorisée). In operation, during a transaction, a carrier of the previously programmed accessory including the main device, is facing the transaction terminal. An exchange takes place between the accessory and the transaction terminal if a test relating to one of the predetermined parameters is successful. The check can be done either before starting a transaction, for example, the NFC function is inhibited as long as the parameter is not satisfactory (eg location, transaction time out of an allowed range).
Le contrôle peut s'effectuer pendant la transaction : par exemple, un contrôle s'effectue après avoir reçu une demande de débit d'un certain montant, avec un identifiant du terminal. Le programme de contrôle teste le montant requis par rapport au montant autorisé et programmé dans l'accessoire et/ou compare l'identifiant du terminal à une série d'identifiants autorisés programmés dans l'accessoire. The control can be done during the transaction: for example, a check is made after receiving a debit request for a certain amount, with a terminal identifier. The control program tests the required amount in relation to the amount authorized and programmed in the accessory and / or compares the identifier of the terminal to a series of authorized identifiers programmed into the accessory.
Le contrôle peut s'effectuer aussi à la fin : par exemple, il est nécessaire de transmettre un code PIN pour valider la transaction. Le test compare dans l'accessoire le nombre de fois d'utilisation du code notamment dans la journée par rapport à un nombre autorisé programmé dans l'accessoire.  The check can also be done at the end: for example, it is necessary to transmit a PIN code to validate the transaction. The test compares in the accessory the number of times of use of the code in particular in the day compared to an authorized number programmed in the accessory.
S'il est satisfait à l'un ou plusieurs des tests de contrôle ci-dessus, la transaction se poursuit. If one or more of the above control tests are satisfied, the transaction continues.
Ainsi, selon un aspect, l'invention peut avoir l'avantage de rajouter une couche logicielle de contrôle ou des moyens matériels de contrôle dans l'appareil pour l'utilisation d'une application sans avoir à modifier l'application elle-même. Le cas échéant, ans certains autres cas, l'application peut être modifiée directement, complétée notamment grâce à l'appareil principal si elle est prévue pour cela. Thus, in one aspect, the invention may have the advantage of adding a control software layer or control hardware means in the device for the use of an application without having to modify the application itself. If necessary, in some other cases, the application can be modified directly, supplemented in particular by the main device if it is provided for this purpose.
Sur les figures 3 à 8, l'accessoire est respectivement sous la forme d'une montre 13, d'un bracelet (jonc) 14 ou d'une bague 15. L'accessoire comprend un circuit SE électronique et/ou des moyens matériels comme dans les accessoires des figures précédentes ; L'accessoire peut comprendre de préférence un moyen de détection de la présence de l'utilisateur ou de l'authentification de ce dernier (circuit électrique sur lelong des parties 17 du bracelet de montre ou 18 du jonc). Le bracelet de montre et la bague peuvent se fermer ,se verrouiller par tout système de fermeture / verrouillage F et un mécanisme (non représenté) éventuellement inclus dans le composant SE peut détecter la fermeture / verrouillage et ouverture / déverrouillage du bracelet ou bague. Le mécanisme peut être un simple interrupteur notamment capacitif, électrique, optique. Sur les figures 7, 8, la bague comprend un bouton interrupteur qui ferme le circuit en position pressé 19 quand il est introduit sur un doigt et qui se relâche et ouvre 20 le circuit SE quand il est enlevé du doigt. In Figures 3 to 8, the accessory is respectively in the form of a watch 13, a bracelet (ring) 14 or a ring 15. The accessory comprises an electronic circuit SE and / or hardware means as in the accessories of the preceding figures; The accessory may preferably comprise a means of detecting the presence of the user or the authentication of the latter (electrical circuit on the length of the parts 17 of the watch strap or 18 of the ring). The watch strap and the ring can be closed, locked by any closure / locking system F and a mechanism (not shown) possibly included in the component SE can detect the closing / locking and opening / unlocking of the bracelet or ring. The mechanism can be a simple switch including capacitive, electrical, optical. In FIGS. 7, 8, the ring comprises a switch button which closes the circuit in pressed position 19 when it is inserted on a finger and which releases and opens the circuit SE when it is removed from the finger.
Ainsi, l'accessoire une fois programmé ou initialisé, peut relayer ou représenter l'appareil de transaction dès que l'accessoire est en présence de l'utilisateur (accessoire en position de bracelet ou jonc fermé ou interrupteur de bague pressé). Thus, the accessory once programmed or initialized, can relay or represent the transaction device as soon as the accessory is in the presence of the user (accessory bracelet position or closed ring or pressed ring switch).
Mais en cas de vol, l'accessoire est détaché de l'utilisateur, notamment par ouverture du bracelet ou anneau créant une ouverture du circuit de sécurité. Cette ouverture est détectée par un circuit de détection compris dans l'accessoire. Le circuit de détection provoque une inhibition totale ou partielle des fonctions de l'accessoire (par exemple, la fonction de transaction, de communication..). L'accessoire peut ainsi être rendu inutilisable jusqu'à la prochaine initialisation (initiation) ou réactivation à l'aide d'un appareil principal associé prévu à cet effet. But in case of theft, the accessory is detached from the user, in particular by opening the bracelet or ring creating an opening of the safety circuit. This opening is detected by a detection circuit included in the accessory. The detection circuit causes a total or partial inhibition of the functions of the accessory (for example, the transaction function, communication ..). The accessory can be rendered unusable until the next initialization (initiation) or reactivation using an associated main device provided for this purpose.
L'invention selon un autre aspect peut concerner un procédé pour réaliser une transaction électronique entre un appareil principal de communication (1 , 10) et un terminal de transaction (3) dans lequel l'accessoire devient lui-même un appareil principal. En effet, l'accessoire dans ce cas peut se programmer directement par l'utilisateur ou avec un autre équipement notamment une borne de rechargement ou téléchargement d'applications de données ou d'informations, un ordinateur quelconque. L'accessoire peut aussi déléguer des droits à d'autres accessoires voire à l'appareil principal par renversement des rôles notamment en transférant une application logicielle complète, en restituant des droits ou d'unités non utilisés à un appareil principal. The invention according to another aspect may relate to a method for performing an electronic transaction between a main communication device (1, 10) and a transaction terminal (3) in which the accessory itself becomes a main device. Indeed, the accessory in this case can be programmed directly by the user or with other equipment including a charging station or download applications from data or information, any computer. The accessory can also delegate rights to other accessories or even the main device by reversing the roles including transferring a complete software application, restoring rights or unused units to a main device.
Un autre système donnant lieu à des transactions peut être vu uniquement entre l'appareil principal 10 et un accessoire 12 dans lequel il peut se produire des transactions visées ci- dessus notamment de restitution, de droits, d'unité, de transfert d'application. Bien que l'accessoire décrit précédemment ait un format distinct d'une carte à puce, l'accessoire lui même peut comprendre de manière non visible (dissimulée, enfouie) une telle carte à puce sans-contact. Another system giving rise to transactions may be seen only between the main apparatus 10 and an accessory 12 in which the transactions referred to above, in particular reproduction, rights, unit, transfer of application, may occur. . Although the accessory described above has a format separate from a smart card, the accessory itself may include non-visible (hidden, buried) such contactless smart card.

Claims

REVENDICATIONS
1 . Procédé pour réaliser une transaction électronique entre un appareil principal ou accessoire de communication (1 , 10) et un terminal de transaction (3), caractérisé en ce que : 1. Method for carrying out an electronic transaction between a main device or communication accessory (1, 10) and a transaction terminal (3), characterized in that:
- on fournit un accessoire portable (2, 12) intelligent ayant un format distinct d'un format standardisé de carte à puce, apte à relayer la transaction ou à représenter ledit appareil principal vis à vis d'un terminal de transaction, - we provide an intelligent portable accessory (2, 12) having a format distinct from a standardized smart card format, capable of relaying the transaction or representing said main device with respect to a transaction terminal,
- on réalise la transaction en présentant uniquement ledit accessoire au terminal de transaction à la place de l'appareil principal. - the transaction is carried out by only presenting said accessory to the transaction terminal in place of the main device.
Procédé selon la revendication 1 , caractérisé en ce qu'il comprend une application logicielle de contrôle (AC) de la mise en œuvre d'une application logicielle de transaction (AB). Method according to claim 1, characterized in that it comprises a software application for controlling (AC) the implementation of a transaction software application (AB).
Procédé selon la revendication 1 , caractérisé en ce qu'il comprend une étape d'installation d'une application bancaire (AB) dans l'appareil principal, l'accessoire relayant la transaction de manière transparente entre l'appareil principal et le terminal de transaction. Method according to claim 1, characterized in that it comprises a step of installing a banking application (AB) in the main device, the accessory relaying the transaction transparently between the main device and the terminal. transaction.
Procédé selon la revendication 1 , caractérisé en ce qu'il comprend une étape d'initialisation / d'initiation de l'accessoire à l'aide de l'appareil principal ou d'appairage de l'accessoire à l'appareil principal. Method according to claim 1, characterized in that it comprises a step of initialization/initiation of the accessory using the main device or of pairing the accessory to the main device.
Procédé selon la revendication 4, caractérisé en ce que l'étape d'initialisation / initiation comporte une phase de transfert / clonage d'informations contenues dans l'appareil à l'accessoire, lesdites informations étant choisies parmi : Method according to claim 4, characterized in that the initialization/initiation step comprises a transfer/cloning phase of information contained in the device to the accessory, said information being chosen from:
- des informations d'une application de transaction électronique dans l'accessoire et/ou - information from an electronic transaction application in the accessory and/or
- des informations (IP) comprenant un code PIN. - information (IP) including a PIN code.
6. Procédé selon la revendication 4, caractérisé en ce que l'étape d'initialisation comporte une phase de lancement d'une application de pilotage de l'accessoire par l'appareil principal. 6. Method according to claim 4, characterized in that the initialization step comprises a phase of launching an application for controlling the accessory by the main device.
7. Procédé selon la revendication 6, caractérisé en ce que l'étape d'initialisation / initiation (A1 ) prévoit de capter via l'appareil principal un code PIN ou équivalent nécessaire à une transaction future et de le transmettre à l'accessoire en toute sécurité pour permettre une transaction future ou en cours. 7. Method according to claim 6, characterized in that the initialization / initiation step (A1) provides for capturing via the main device a PIN code or equivalent necessary for a future transaction and transmitting it to the accessory in any security to allow a future or ongoing transaction.
8. Procédé selon la revendication 7, caractérisé en ce que l'accessoire dispose de moyens de communication (FED) configurés pour relayer des données et instructions de commande entre l'appareil principal et le terminal. 8. Method according to claim 7, characterized in that the accessory has communication means (FED) configured to relay data and control instructions between the main device and the terminal.
9. Procédé selon la revendication 7, caractérisé en ce que la transaction est autorisée par action volontaire de l'utilisateur sur un interrupteur ou authentification biométrique par l'accessoire. 9. Method according to claim 7, characterized in that the transaction is authorized by voluntary action of the user on a switch or biometric authentication by the accessory.
10. Procédé selon l'une quelconque des revendications précédentes, caractérisé en ce qu'il comprend une application logicielle de contrôle (AC) de la mise en œuvre d'une application logicielle de transaction (AB) notamment quant à une zone géographique, une période temporelle ou la manière de réaliser la transaction. 10. Method according to any one of the preceding claims, characterized in that it comprises a control software application (AC) of the implementation of a transaction software application (AB) in particular with regard to a geographical area, a time period or the manner of carrying out the transaction.
1 1 . Procédé selon la revendication 10, caractérisé en ce que l'application logicielle de contrôle met en œuvre un test comparatif de paramètres de localisation fournis notamment par GPS interne, paramètres de temps fournis notamment par une horloge interne, d'une limite de montant de transaction notamment programmé en interne, d'une identification de terminal autorisé ou prédéfinis, paramètres définissant l'objet de la transaction, lieu géographique de la transaction, paramètre d'identification de tiers contractuel intervenant dans la transaction. 1 1 . Method according to claim 10, characterized in that the control software application implements a comparative test of location parameters provided in particular by internal GPS, time parameters provided in particular by an internal clock, a transaction amount limit in particular programmed internally, an identification of an authorized or predefined terminal, parameters defining the object of the transaction, geographical location of the transaction, parameter for identifying the contractual third party involved in the transaction.
12. Système (1 , 10, 2, 12) pour réaliser une transaction électronique entre un appareil principal ou accessoire de communication (1 , 10) et un terminal de transaction (3), caractérisé en ce qu'il comprend : 12. System (1, 10, 2, 12) for carrying out an electronic transaction between a main device or communication accessory (1, 10) and a transaction terminal (3), characterized in that it comprises:
- un accessoire portable (2, 12) intelligent, ayant un format distinct d'un format standardisé de carte à puce, apte à relayer la transaction ou à représenter ledit appareil principal vis à vis d'un terminal de transaction, - an intelligent portable accessory (2, 12), having a format distinct from a standardized smart card format, capable of relaying the transaction or representing said main device with respect to a transaction terminal,
- des moyens de communication et d'initialisation / initiation de l'appareil principal pour initialiser / initier l'accessoire portable et des moyens de communication de l'accessoire avec un terminal de transaction pour réaliser la transaction électronique à la place de l'appareil principal par présentation de l'accessoire seul au terminal de transaction.. - means of communication and initialization / initiation of the main device to initialize / initiate the portable accessory and means of communication of the accessory with a transaction terminal to carry out the electronic transaction in place of the main device by presenting the accessory alone to the transaction terminal.
EP15705804.1A 2014-02-18 2015-02-16 Electronic transaction method and system via a portable accessory Ceased EP3108424A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
EP14305225.6A EP2908279A1 (en) 2014-02-18 2014-02-18 Method and system for electronic transaction via a portable accessory
PCT/EP2015/053232 WO2015124535A1 (en) 2014-02-18 2015-02-16 Electronic transaction method and system via a portable accessory

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EP3108424A1 true EP3108424A1 (en) 2016-12-28

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EP15705804.1A Ceased EP3108424A1 (en) 2014-02-18 2015-02-16 Electronic transaction method and system via a portable accessory

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US (1) US20170011381A1 (en)
EP (2) EP2908279A1 (en)
JP (2) JP2017512336A (en)
KR (2) KR20180049202A (en)
CN (1) CN106030635A (en)
CA (1) CA2939016A1 (en)
MX (1) MX2016010672A (en)
SG (1) SG11201606548YA (en)
WO (1) WO2015124535A1 (en)

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JP2020064647A (en) 2020-04-23
US20170011381A1 (en) 2017-01-12
SG11201606548YA (en) 2016-09-29
EP2908279A1 (en) 2015-08-19
CA2939016A1 (en) 2015-08-27
KR20180049202A (en) 2018-05-10
CN106030635A (en) 2016-10-12
WO2015124535A1 (en) 2015-08-27
JP2017512336A (en) 2017-05-18
KR20160119860A (en) 2016-10-14

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