ES2311316B1 - MOBILE PAYMENT TERMINAL FOR PDA. - Google Patents

Abstract

Mobile payment terminal for PDA, for cards with EMV chip and magnetic strip consisting of a body (1) that includes specific reader (7) of EMV cards and reader (8) of magnetic stripe cards, PINPAD display (5) and keyboard (6) complying with the PCI POS PED standard for the introduction and PIN interpretation, with firmware and software available necessary for entry and handling of PIN and other sensitive data, safe processing and transmission and, incorporating printer (2) and interchangeable adapters (3) to fix the PDA (4) with connection physical or wireless to the body (1) and expansion connectors.

Description

Mobile payment terminal for PDA.

Object of the invention

The present invention relates, as expresses the statement of the present specification, to a mobile payment terminal for PDA (Pocket computer) that provides to the function to which a number of advantages are destined and improved features and / or alternatives, compared to what is already known in this field, which will be described in more detail ahead.

More specifically, the object of the invention It consists of a terminal that complies with EMV regulations (Europay, MasterCard, Visa) and PCI (Payment Card Industry) PED (PIN Entry Device) specially designed to make payments with Magnetic stripe and chip financial cards (regulations international banking EUROPAY / MASTERCARD / VISA) through a PDA, whose function in this process will be the transmission of data for the transaction and processing of those data related to the operation that do not compromise the security of the same.

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Background of the invention

Historically to make card payments bank specifically designed devices have been used to meet transaction completion standards banks of financial institutions and card issuers (Visa, MasterCard, Europey, etc.).

Due to the explosion in the use of the cards of credit and debit for payments in the shops and the interest of the banks in the collection of commissions for transactions made, these offered to install free in the customer terminals POS terminals (Point of Terminal sale) payment by bank card.

Since the financial institutions assumed the cost of terminals and their installation and maintenance in exchange of the collection of commissions for the transactions made, these they selected low cost terminals whose sole function was the completion of the banking transaction.

For this reason and to respond to the demand of financial institutions, manufacturers of POS terminals designed terminals with proprietary Operating Systems whose Only function was the completion of the bank transaction.

These devices were connected to networks private financial institutions used exclusively for the realization of banking transactions.

In recent years, due to the high penetration of TCP / IP communications (Transmission Control Protocol / Internet Protocol) on public networks many entities Financials have defined standards for carrying out transactions banking based TCP / IP communications.

Although the POS manufacturers have responded to these changes designing payment terminals that support TCP / IP communications, Operating Systems are still used and proprietary software, designed primarily for the Transaction with bank card.

Some manufacturers have incorporated resources from process additional data to their terminals and have allowed the development and execution in its application terminals of software for purposes other than transactions Bank

However, these applications must be specifically developed for the proprietary Operating System from the manufacturer, its use being possible only in terminals of this manufacturer that use the operating system in question.

In conclusion, currently devices used for bank card payments are mostly payment terminals with proprietary software of each terminal manufacturer designed first to Making payments

Due to the complex and expensive requirements certification processes there is a small number of manufacturers of payment terminals with bank card.

On the other hand, the definition of standards of payment that allow networks with protocols as a means of communication TCP / IP communication have opened the door to the development of payment software applications for personal computers with General purpose operating systems, such as MS Windows, Linux, Unix, etc.

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For card reading and introduction and PIN verification (Personal Identification Number or number secret) card readers and PinPads (Device of introduction and safe handling of PIN) connected to the computer.

This technology has allowed payment to be included. as one more functionality of management applications that they were running on computers, instead of using a POS only for the realization of the banking operation.

The use of pocket computers is extended (PDA) not only as personal assistants, but as authentic ones mobile work tools using computer applications developed for this purpose.

Thanks to the high penetration of wireless technologies for access to communications networks and of data transmission services based on GSM networks (Global Sistem for Mobile) is becoming possible not only the Offline work (no connection to the system central) but also online, exchanging data with corporate systems

The latter has been possible because the Most PDAs already incorporate by default or as an option Bluetooth and WiFi wireless communications (Wireless Fidelity)

Likewise, there are PDAs with integrated GSM MODEM which incorporate the functionalities of a mobile phone, thus allowing access to communications networks through the mobile phone networks

These technological advances are making feasible to make payments by bank card through the PDA

Currently some financial institutions or transaction processors offer the possibility of payment with bank card with magnetic stripe from web pages developed for PDA or applications resident in the PDA by Web Services medium.

The possibility of both the manual entry of the required card data, such as reading these through a band card reader magnetic

These solutions meet the requirements of security for payment by bank card with magnetic stripe that They are currently valid.

However, to reduce the fraud rate in card payments due to the relative ease of copying and reproduction of the content of the magnetic stripe, the entities Financial institutions in the European Community are required to introduce a new standard for making payments by bank card called EMV that contemplates the use of cards with chips smart for storing the user's secret number (PIN) and all other card information.

Likewise, financial systems require that the PIN is entered in a secure device, called PinPad (Introduction device and safe handling of PIN), which meets the defined PCI PED security requirements and accepted by Visa and MasterCard.

Currently there are no PDA market that meet the security requirements required for a PinPad

Explanation of the invention.

With the present invention it has been devised by both a mobile payment terminal for PDA that allows, as is mentioned above, make payments with EMV cards to through a PDA, for which the invention proposes the use of an external device that integrates the following elements of Hardware, firmware and software.

- A PinPad that complies with the PCI standard (Payment Card Industry) POS (Point of sell) PED (PIN Entry Device) for the introduction and interpretation of the PIN.

- A chip card reader that meets the EMV standards for the processing of card data chip.

- A magnetic stripe card reader for allow processing of band bank cards magnetic

- The firmware and software necessary for the entry and handling of PIN and other sensitive data, their processing and transmission safely, as defined by the PCI POS PED AND EMVCo specifications (Company created by Europay, Master Card and Visa to manage, maintain and develop the EMV Integrated Circuit Card specifications for Payment Systems)  in force

- A printer to print the proof of the operation, as well as any other information resident in the PDA

- Communications for connection with the PDA for the transmission of transaction-related data banking to the Authorizing Center for banking transactions.

It should be noted that the device allows the PDA can be inserted or fixed in it, serving this cradle for same.

For this purpose, the device includes different adapters, according to the physical dimensions of the PDA.

The terminal will have connectors expansion that will allow the connection of optional modules such as Barcode Reader, Magnetic stripe Card Reader and Card Reader by proximity.

Moreover, data communication between the PDA and the payment terminal is made through a connection Physical and / or wireless.

It is noteworthy, that in the process of realization of the banking transaction all the data that require a safe treatment according to current specifications PCI POS PED and EMVCo will be processed through the device proposed, being the function of the PDA, within the payment process, the transmission of data, relevant to the transaction, through of wireless communications between the authorizing center and the device, as well as the processing, if necessary, of data related to the banking operation, which does not compromise the safety of the operation by not requiring an environment physically safe, as stated in the specifications current PCI POS PED and EMVCo.

The new mobile payment terminal for PDA represents, therefore, an innovative structure of structural and constitutive characteristics unknown up to now for this purpose, reasons that together with its practical utility, will provide sufficient grounds to obtain the privilege of exclusivity that is requested.

Description of the drawings

To complement the description that is being performing and in order to help a better understanding of the characteristics of the invention, is attached herein descriptive, as an integral part of it, of a game of planes, in which with an illustrative and non-limiting nature, represented the following:

Figure number 1.- Shows a view in perspective of the new mobile payment terminal for PDA according to the invention in which an exemplary embodiment has been represented in that the different elements that constitute it are appreciated.

Preferred Embodiment of the Invention

In view of the commented figure 1 and unique, and according to the numbering adopted, it can be observed in it preferred embodiment of the terminal, which comprises the parts indicated and described below.

In this way, as observed in said Figure 1, the terminal of the invention is constituted by a body (1) that incorporates a printer inside its upper part (2), and two adapters (3) to fix the PDA (4), which they will be interchangeable, depending on the form and dimensions of it.

In addition, the mobile payment terminal incorporates a PINPAD display (5) and a keyboard (6) for it, as well as a constituent card reader slot (7) with chip smart EMV.

The body (1) of the terminal of the invention, it also incorporates and optionally a card reader conventional magnetic strip (8), which can be found combined in the card reader itself (7) smart EMV.

In this way, the terminal is able to perform bank transaction operations with EMV cards, at connect to a PDA (4), by having the specific reader (7), PINPAD display (5) and keyboard (6) complying with the standard PCI POS PED for the introduction and interpretation of the PIN, since It also has the firmware and software necessary for the input and handling of PIN and other sensitive data, their processing and transmission safely, as defined by the current PCI POS PED and EMVCo specifications.

The Printer (2) for its part also allows to print the proof of the operation, any other information resident in the PDA (4).

Finally, the body (1) has the necessary communications for its connection with the PDA (4) for the transmission of data related to the banking transaction to Authorizing Center for banking transactions, through a physical and / or wireless connection as well as connectors expansion that will allow the connection of optional modules such as Barcode Reader, Magnetic stripe Card Reader and Card Reader by proximity (not shown).

Describe sufficiently the nature of the The present invention, as well as how to implement it, is it states that, within its essentiality, it may be taken to the practice in other embodiments that differ in detail from the one indicated by way of example, and which will reach also the protection that is collected as long as it is not altered, change or modify its fundamental principle.

Claims (2)

1. Mobile payment terminal for PDA, of the type specially destined to make payments with EMV smart chip cards and with magnetic stripe cards through a PDA, which will transmit the data for the transaction, processing those data related to the operation that does not compromise its security, characterized by the fact that it consists of a body (1) that essentially comprises a specific card reader (7) with EMV smart chip and a magnetic strip card reader (8) , a PINPAD display (5) and a keyboard (6) complying with the PCI POS PED standard for the introduction and interpretation of the PIN, with the necessary firmware and software for the entry and handling of PIN and other sensitive data, their processing and transmission safely, as defined by current PCI POS PED and EMVCo specifications; incorporating a thermal printer (2) and two adapters (3) to fix a PDA (4) to the body (1), having the necessary communications for its connection with the PDA (4) for the transmission of data related to the banking transaction to the Authorizing Center for banking transactions, through a physical and / or wireless connection. 2. Mobile payment terminal for PDA, according to the preceding claims, characterized in that optionally the specific card reader (7) with EMV smart chip can be combined with the magnetic strip card reader (8) in the same slot .