EP3369060A1 - Procédé et système de traitement des paiements - Google Patents
Procédé et système de traitement des paiementsInfo
- Publication number
- EP3369060A1 EP3369060A1 EP16785170.8A EP16785170A EP3369060A1 EP 3369060 A1 EP3369060 A1 EP 3369060A1 EP 16785170 A EP16785170 A EP 16785170A EP 3369060 A1 EP3369060 A1 EP 3369060A1
- Authority
- EP
- European Patent Office
- Prior art keywords
- terminal
- mobile device
- identification information
- payment
- transmission
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
- 238000000034 method Methods 0.000 title claims abstract description 55
- 230000005540 biological transmission Effects 0.000 claims abstract description 51
- 238000013475 authorization Methods 0.000 claims abstract description 27
- 230000008569 process Effects 0.000 claims abstract description 23
- 238000012790 confirmation Methods 0.000 claims abstract description 8
- 238000004891 communication Methods 0.000 claims description 29
- 238000012545 processing Methods 0.000 claims description 7
- 230000002596 correlated effect Effects 0.000 claims description 2
- 230000003287 optical effect Effects 0.000 claims description 2
- 230000036962 time dependent Effects 0.000 claims description 2
- 238000012795 verification Methods 0.000 abstract description 7
- 230000000875 corresponding effect Effects 0.000 description 10
- 238000012546 transfer Methods 0.000 description 9
- 239000000853 adhesive Substances 0.000 description 3
- 230000001070 adhesive effect Effects 0.000 description 3
- 230000008901 benefit Effects 0.000 description 2
- 230000008859 change Effects 0.000 description 2
- 238000007726 management method Methods 0.000 description 2
- 238000012011 method of payment Methods 0.000 description 2
- 239000003795 chemical substances by application Substances 0.000 description 1
- 230000003247 decreasing effect Effects 0.000 description 1
- 230000001419 dependent effect Effects 0.000 description 1
- 238000003780 insertion Methods 0.000 description 1
- 230000037431 insertion Effects 0.000 description 1
- 238000009434 installation Methods 0.000 description 1
- 230000003993 interaction Effects 0.000 description 1
- 230000009467 reduction Effects 0.000 description 1
- 230000004044 response Effects 0.000 description 1
- 230000001960 triggered effect Effects 0.000 description 1
Classifications
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- 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
-
- 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
- G06Q20/26—Debit schemes, e.g. "pay now"
-
- 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
- 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
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
-
- 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]
- G06Q20/3223—Realising banking transactions through M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
-
- 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
Abstract
La présente invention concerne un procédé de traitement de paiements simple et sécurisé à une station de paiement d'un vendeur à l'aide de l'appareil mobile (MG) d'un acheteur. La station de paiement dispose d'un terminal (T) conçu pour des cartes de débit (D) et le terminal (T) est équipé d'un port de carte, d'un affichage, d'un dispositif d'entrée et d'une interface avec un établissement de paiement (ZI). Une carte de débit approprié audit terminal (T) et/ou le terminal (T) sont équipé d'un élément (QR, B) destiné à la transmission sans fil d'une information d'identification (ID), spécifique à la carte de débit, au dispositif mobile (MG). Le traitement des paiements comporte alors au moins les étapes suivantes consistant à : transmettre l'information d'identification à l'appareil mobile (MG) ; transmettre ou entrer le montant d'achat dans le terminal (T) ; connecter la carte de débit au terminal (T) via le port de la carte ; transmettre le montant d'achat et l'information d'identification (ID) du terminal (T) à un établissement de paiement (ZI) ; transmettre le montant d'achat et l'information d'identification (ID) de l'établissement de paiement (ZI) à une entité de coordination (KI) dans le mesure où l'établissement de paiement (ZI) n'est pas lui-même l'entité de coordination (KI) ; associer l'information d'identification (ID) à l'appareil mobile (MG) et transmettre le montant d'achat à l'appareil mobile (MG) pour autorisation ; en l'absence de vérification par l'acheteur par l'appareil mobile (MG) annuler l'opération et en cas de vérification de l'acheteur (MG) par l'appareil mobile transmettre l'autorisation de l'appareil mobile (MG) à l'établissement de paiement (ZI) via l'entité de coordination (AI) et ordonner le débit d'un compte de l'acheteur du montant d'achat, y compris d'éventuels frais applicables ; transmettre la confirmation du paiement de l'établissement de paiement (ZI) au terminal (T).
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| EP15192180 | 2015-10-29 | ||
| CH17132015 | 2015-11-24 | ||
| PCT/EP2016/075515 WO2017072067A1 (fr) | 2015-10-29 | 2016-10-24 | Procédé et système de traitement des paiements |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| EP3369060A1 true EP3369060A1 (fr) | 2018-09-05 |
Family
ID=57190024
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| EP16785170.8A Withdrawn EP3369060A1 (fr) | 2015-10-29 | 2016-10-24 | Procédé et système de traitement des paiements |
Country Status (4)
| Country | Link |
|---|---|
| US (1) | US20180336545A1 (fr) |
| EP (1) | EP3369060A1 (fr) |
| BR (1) | BR112018008396A2 (fr) |
| WO (1) | WO2017072067A1 (fr) |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| AT521646A1 (de) * | 2018-08-24 | 2020-03-15 | Res Industrial Systems Engineering Rise Forschungs Entwicklungs Und Grossprojektberatung Gmbh | System zum Verarbeiten von Anfragen mobiler Geräte |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| DE102007005427A1 (de) * | 2007-01-30 | 2008-07-31 | Hischam Telib | Verfahren und Vorrichtung zur elektronischen Zahlung |
| EP2088548A1 (fr) * | 2008-02-11 | 2009-08-12 | Accenture Global Services GmbH | Procédé de paiement au point de vente |
| US8756161B2 (en) * | 2008-02-11 | 2014-06-17 | Accenture Global Services Limited | Customer initiated payment method using mobile device |
-
2016
- 2016-10-24 EP EP16785170.8A patent/EP3369060A1/fr not_active Withdrawn
- 2016-10-24 BR BR112018008396A patent/BR112018008396A2/pt not_active Application Discontinuation
- 2016-10-24 WO PCT/EP2016/075515 patent/WO2017072067A1/fr active Application Filing
- 2016-10-24 US US15/771,512 patent/US20180336545A1/en not_active Abandoned
Also Published As
| Publication number | Publication date |
|---|---|
| BR112018008396A2 (pt) | 2018-10-23 |
| US20180336545A1 (en) | 2018-11-22 |
| WO2017072067A1 (fr) | 2017-05-04 |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PUAI | Public reference made under article 153(3) epc to a published international application that has entered the european phase |
Free format text: ORIGINAL CODE: 0009012 |
|
| 17P | Request for examination filed |
Effective date: 20180508 |
|
| AK | Designated contracting states |
Kind code of ref document: A1 Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR |
|
| AX | Request for extension of the european patent |
Extension state: BA ME |
|
| RIN1 | Information on inventor provided before grant (corrected) |
Inventor name: RIETSCHEL, JOHANNES |
|
| DAV | Request for validation of the european patent (deleted) | ||
| DAX | Request for extension of the european patent (deleted) | ||
| STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: EXAMINATION IS IN PROGRESS |
|
| 17Q | First examination report despatched |
Effective date: 20200513 |
|
| STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: THE APPLICATION IS DEEMED TO BE WITHDRAWN |
|
| 18D | Application deemed to be withdrawn |
Effective date: 20200924 |