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
  • G06Q20/38—Payment protocols; Details thereof
  • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
  • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
• • 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
  • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06F—ELECTRIC DIGITAL DATA PROCESSING
  • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
  • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
  • G06F16/24—Querying
  • G06F16/245—Query processing
• • 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
  • G06Q20/102—Bill distribution or payments
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/22—Payment schemes or models
  • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
• • 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]
  • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
  • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
  • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
  • G06Q20/3229—Use of the SIM of a M-device as secure element
• • 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
  • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
• • 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
  • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
  • G06Q20/3821—Electronic credentials
  • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights

Definitions

• the i nve ntion is com m itte to th e dom e of the pa nme nt. More particularly, the invention relates to the payment of goods and services to online merchants, for example via an online sales platform accessible from a communication network.
• the 3D-Secure protocol which has received support from Visa and MasterCard, aims to ensure that the cardholder is the one who makes the transaction.
• this system comprises, for the user who wishes to pay, a step of entering a complementary code.
• This complementary code is supposed to be known only to the user himself, either because it is personal data (such as his date of birth) or because it is a data of which he alone knows (like a code transmitted by SMS).
• This type of solution is problematic.
• the implementation of a 3D-Secure solution had a negative effect on sales, which complicates the process for the user. The drop can be between ten and fifteen percent, which is far from negligible.
• the invention does not pose these problems of the prior art. More particularly, the invention relates to a transactional data processing method.
• the invention relates to a method for processing transactional data, implemented using a secure intermediate server connected to a communication network.
• Such a method comprises:
• the method of processing transactional data comprises, prior to said step of establishing a secure link:
• a step of obtaining at least one datum making it possible to establish a secure link with said payment module when said step of verifying the validity of said payment module is positive.
• the technique relates to a process for processing tra nsacional data, implemented within a payment module attached to a communication terminal and connected to a communication network.
• Such a method comprises:
• u is not calculating a transaction certificate using encryption keys and at least one data from a microcircuit card presented by a user to perform the transaction;
• said step of calculating a transaction certificate comprises a step of authenticating said microcircuit card.
• the method of processing tra nsacional data includes a step of identifying, using it, a personal identification code attached to said microcircuit card.
• the processing module is able to check the validity of the user's code input.
• the technique relates to a transactional data processing server, said secure intermediate server, which server can be connected to a communication network.
• a server includes:
• means for receiving a payment request comprising data representative of an identification of a communication terminal used by a user for carrying out a purchase operation on a network connected to said network of communication;
• transmission means an information message to the merchant server.
• the proposed technique relates to a payment module attachable to a communication terminal terminal can be connected to a communication network.
• a payment module attachable to a communication terminal terminal can be connected to a communication network.
• Such a module includes:
• the proposed technique relates to a transactional data processing method implemented in a system comprising a secure intermediate server connected to a communication network and a management module. attached to a communication system connected to said communication network, characterized in that it comprises:
• a receiving step by the payment module and via the communication terminal, of a request to establish a point-to-point secure link with the secure intermediate server, as a function of said representative datum.
• a transmission step an information message to the merchant server; a step of receiving, by said payment module, an acknowledgment corresponding to the transaction from said secure intermediate server.
• the proposed technique relates to a transactional data processing system comprising a secure intermediate server, connected to a communication network and a payment module attached to a communication terminal connected to said communication network, system characterized in that it comprises:
• a payment request comprising a data representative of an identification of a communication terminal used by a user to perform a purchase operation on a merchant server connected to said communication network ;
• the various steps of the methods according to the invention are implemented by a software or computer program, including software instructions intended to be executed by a processor. These are based on a model according to the invention and are designed to control the execution of the different process steps.
• the invention is also directed to a program, capable of being executed by a computer or a data processor, this program includes instructions for controlling the execution of the steps of a method as mentioned hereinabove. above.
• This program can use any programming language, and be in the form of source code, object code, or intermediate code between source code and object code, such as in a partially compiled form, or in any other form. another desirable form.
• the invention is directed to an information carrier readable by a data processor, and including instructions of a program as mentioned above.
• the information carrier may be any entity or device capable of storing the program.
• the medium may comprise storage means, such as a ROM, for example a CD ROM or a microelectronic circuit ROM, or a magnetic recording medium, for example a floppy disk or a disk. hard.
• the information medium may be a transmissible medium such as an electrical or optical signal, which may be routed via an electrical or optical cable, by radio or by other means.
• the program according to the invention can be downloaded in particular on an Internet type network.
• the information carrier may be an integrated circuit in which the program is incorporated, the circuit being adapted to execute or to be used in the execution of the method in question.
• the invention is implemented by means of software components and / or hardware.
• modu le may correspond in this document to a software component, a hardware component, or a set of hardware and software components.
• a software component corresponds to one or more computer programs, one or more subroutines of a program, or more generally to any element of a program or software capable of implementing a program. function or a set of functions, as described below for the module concerned.
• Such a software component is executed by a data processor of a physical entity (terminal, server, gateway, router, etc.) and is capable of accessing the hardware resources of this physical entity (memories, recording media , communication buses, I / O boards, user interfaces, etc.).
• a hardware component corresponds to any element of a hardware (or hardware) set capable of implementing a function or a set of functions, as described below for the module concerned. It may be a hardware component that is programmable or has an integrated processor for executing software, for example an integrated circuit, a smart card, a memory card, an electronic card for executing a firmware ( firmware), etc.
• FIG. 1 presents a synoptic of the proposed technique, from the point of view of the secure intermediate server
• Figure 2 shows a synoptic of the proposed technique, from the point of view of the payment module
• FIG. 3 describes a secure intermediate transaction server
• Figure 4 describes a payment module. 5. Description
• a remote commercial transaction the user enters into a relationship with a merchant site via a communication terminal enabling him to exchange data (traditionally a PC, tablet, ... connected locally or remotely to the internet) to select the well or the service he wants to buy.
• data traditionally a PC, tablet, ... connected locally or remotely to the internet
• the user who wishes to pay by card must communicate via the site walking the identification data of his card (traditionally the PAN, the date of validity and the cryptogram).
• the flow of information is redirected from the merchant site to a secure site which avoids the transmission of sensitive data to the merchant site.
• the present technique is based on the implementation of a principle of proximity payment by bank card (secure, guaranteed, non-repudiable) to achieve a remote payment.
• the previously presented problem is solved by using a payment module (ModP) containing security mechanisms specific to a conventional payment terminal and capable of processing a microcircuit card transaction.
• This payment module (ModP) is connected or integrated with the communication terminal (TC) (PC, Tablet, ...) of the user.
• This payment phase begins with the receipt (100), a secure intermediate server (SRI) (gateway server), a payment request message (also called payment request RqP).
• SRI secure intermediate server
• RqP payment request message
• This message comes from the merchant site SM (or one of the servers of the merchant site).
• the Site Marchant SM transmits information relating to the commercial transaction (amount to be paid, etc.).
• the payment request RqP also includes an identification of the communication protocol (IdTC) used by the user (this identification IdTC is explained later).
• the secure intermediate server (SRI) then establishes (120) a point-to-point secure link (LS) with the payment module (ModP) of the communication terminal (TC). This link is established by the IdTC identification of the communication terminal TC.
• the secure intermediary server (SM) transmits (140) to the payment module (ModP), a payment execution request (RqEP).
• the payment transaction is carried out by the payment module (ModP) with the user's microcircuit card (CardM) using mechanisms similar to those used on a conventional payment terminal at a merchant.
• the secure intermediary server receives (160) from the payment module (ModP), payment information (InfP).
• This payment information InfP includes at least one data representative of the acceptance or refusal of payment. The process of obtaining this information is described later.
• the transaction ends with a transmission (180), by the Secure Intermediate Server (SRI) of an information message (Msg1) to the site marcha nd (SM).
• This information message (Msg1) includes information representative of the result of the transaction that has been performed. If the transaction has been successfully completed, the merchant site may deliver the good / service.
• the mechanisms used to complete the transaction being identical to those of a payment terminal at a merchant, the user can not repudiate the transaction for the sole reason of payment by distance selling as is the case with current solutions .
• This point-to-point channel allows the secure exchange of data relating to the financial transaction between two entities that are themselves secure, the secure intermediary server and the payment module.
• this method of processing transactional data involves a strict separation of commercial flows on the one hand (respectively between the communication terminal and the merchant server) and on the other hand the payment flows. (respectively between the communication terminal and the secure intermediate server). This ensures that the merchant server is not in possession of credit card data of the user. It is also ensured that payment can not be made without physical possession of the microcircuit card.
• the establishment of the secure communication channel between the payment module and the secure intermediate server is based, according to one embodiment of the proposed technique, on several elements, the first of which is the identification of the communication terminal. This identification allows the secure intermediate server to recognize the communication terminal and to enter into contact with it.
• the identification of the communication terminal is ensured by its IP address.
• the identification is based on the MAC address of the hardware module used by the communication terminal to carry out the data transmission (for example MAC address of the WiFi communication hardware module or MAC address of the network card Ethernet).
• the identification of the communication terminal is performed by a URL redirection mechanism from the merchant server to the secure intermediary server. This redirection mechanism is completed by the transmission, from the merchant server to the intermediate server, of session data, this session data including for example the first and last name of the user, an IP address, or even a customer account number. (At the merchant).
• the secure intermediary server On the basis of the data transmitted by the merchant site, the secure intermediary server identifies the payment module in a database, and transmits, on a specific communication interface (for example a specific UDP / IP port) of the communication terminal, a request to establish a secure point-to-point communication channel. As explained below, the payment module "listens" to this specific interface and is activated when this request is received.
• a specific communication interface for example a specific UDP / IP port
• the communication terminal is equipped with a payment module.
• this payment module is a special programmable electronic component inserted within the communication terminal (soldered to a communication terminal motherboard).
• This module of Physical payment includes an independent processing unit, secure storage space and communication interfaces. More particularly, the payment module, irrespective of its implementation, comprises a communication interface with a contactless data reader. This communication interface, called contactless, allows to control a contactless reading module.
• This contactless reading module is the one used to interact with the microcircuit card (which therefore comprises contactless communication means). Alternatively, the contactless data reader is part of the payment module.
• the payment module then has a connection to an antenna with its contact implemented within the terminal.
• This model also includes mechanisms to ensure the secure storage of the encryption elements that are used, on the one hand to ensure secure transmission with the Secure Intermediate Server, and on the other hand to ensure ensure the secure payment transaction with the Customer's microcircuit card.
• the mechanisms also guarantee the non-accessibility of the sensitive data contained in the Payment Module (encryption keys, etc.).
• the payment module has executable codes that enable it to process the user's microcircuit card and exchanges with the secure intermediary server.
• the payment phase starts by receiving (200), by the payment module (ModP) and by means of the communication terminal (TC), a request (RqLS) establishing a point-to-point secure link (LS) with the secure intermediate server (SRI).
• the payment module uses (225) encryption keys (KeyModP) to firstly authenticate (230) the secure intermediate server (SRI) and generate (235) ) certificates (CertLS) allowing the establishment of the secure link (LS).
• KeyModP encryption keys
• SRI secure intermediate server
• CertLS certificates
• the payment module (ModP) receives (240) from the secure intermediate server (SRI) pa rt a payment transaction execution request (RqTP). Upon receipt of this request, the payment module (ModP): verify (245) the microcircuit card: more specifically, verify that the contactless card is present and that the information contained therein is validly formed;
• the payment module requires the entry of a personal identification code on the communication terminal. This capture is performed under conditions of isolation of particular seizures. More particularly, the payment module comprises means for intercepting the entries made on the communication terminal.
• the modi fi cation mode (ModP) requires authorization from a control center accessible via the secure link (LS).
• the payment module transmits (260) this transaction certificate (CertT) to a secure intermediate server (SRI).
• the secure intermediary server receives the transaction certificate, performs the transactional processing of the transaction and transmits the necessary acknowledgments, in particular to the payment module (ModP) and the merchant site (SM).
• the payment module (ModP) receives (280) the acknowledgment corresponding to the payment transaction.
• the payment module (ModP) dismounts (300) the secure link (LS).
• the server comprises a memory 31 consisting of a memory mpon, a processing unit 32, equipped for example with a microprocessor, and driven by the computer program 33, implementing a data processing method transactional.
• the code instructions of the computer program 33 are for example loaded into a memory before being executed by the processor of the processing unit 32.
• the processing unit 32 receives as input the ego ns u representative data of an identifier of a user identifier and a representative datum a transaction amount.
• the microprocessor of the processing unit 32 implements the steps of the method of processing data representative of transactions, according to the instructions of the computer program 33 to perform a transaction validation (search of the payment module, establishment of the link secure, transmission of requests).
• the server comprises, in addition to the buffer memory 31, com m unication means, such as network communication models, data transmission means and possibly an encryption processor.
• com m unication means such as network communication models, data transmission means and possibly an encryption processor.
• these means may be in the form of a processor process implemented within the server, said processor being a secure processor.
• this server implements a particular application that is in charge of the implementation of the transactions, this application being for example provided by the manufacturer of the processor in question in order to allow the use of said processor.
• the processor comprises unique identification means. These unique identification means make it possible to ensure the authenticity of the processor.
• the server also takes the means of identification and validation of payment modules.
• These means are also presented as communication interfaces for exchanging data on communication networks, database query and update means, means for comparing location data (for example on the base of the IP addresses of the payment modules).
• the payment module comprises a memory 41 consisting of a memory module, a security unit 42, equipped for example with a microprocessor, and controlled by the computer program. 43, implementing a method of processing transactional data.
• the code instructions of the computer program 43 are for example loaded into a memory before being executed by the processor of the processing unit 42.
• the processing unit 42 receives as input least one data representative of a request to initialize a secure link.
• the microprocessor of the processing unit 42 implements the steps of the method of processing the transactional data, according to the instructions of the computer program 43 to perform a validation of transactions with a microcircuit card, such as a contactless payment card. .
• the device comprises, in addition to the buffer memory 41, communication means, such as network communication modules, data transmission means and possibly an encryption processor capable of implementing cryptographic algorithms such as RSA algorithm.
• communication means such as network communication modules, data transmission means and possibly an encryption processor capable of implementing cryptographic algorithms such as RSA algorithm.
• the payment module of the user which can be integrated (ie physically welded or attached) to a smartphone, a tablet, a laptop, a PDA, incorporates transaction management means as described above.
• These means may be in the form of a particular processor implemented within the payment module, said processor being a secure processor.
• this payment module implements a particular application which is in charge of the management of the transactions, this application being for example provided by the manufacturer of the processor in question in order to allow the use of said processor.
• the processor comprises unique identification means. These unique identification means make it possible to ensure the authenticity of the processor and, in a complementary manner, to allow management of the payment module from the secure intermediate server.
• the management application installed on the payment module also includes unique identification allow either to ensure the authenticity of the application or to ensure the identification of the carrier of the payment module, either both.

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• 2014
  • 2014-04-18 FR FR1453569A patent/FR3020166B1/fr active Active
• 2015
  • 2015-04-10 CA CA2946145A patent/CA2946145C/fr active Active
  • 2015-04-10 WO PCT/EP2015/057837 patent/WO2015158619A1/fr active Application Filing
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