ES2379916B1 - ELECTRONIC TERMINAL FOR PAYMENT WITH THE ELECTRONIC ID. - Google Patents

Abstract

Electronic terminal for payment with the electronic ID # Electronic application terminal at points of sale for payment through the electronic ID (DNI-e). With the consent of citizens also making their payments through this document. # To do this, the user will have domiciled in their bank the charges in their account of the payment operations carried out with DNI-e or the DNI-e will have been associated with a card Debit / Credit. # The terminal also allows you to pay with debit / credit cards with magnetic stripe, chip (EMV), contactless (PayPass-PayWave) and NFC mobile phone. # The terminal has a microprocessor (1) connected to memory non-volatile and RAM (2), a chip card reader (8), a magnetic stripe card reader (7), a contactless and NFC card reader for mobile phone (9), a display (5), a keyboard Alphanumeric PAD PIN (6), a printer (10) and a communications interface (Ethernet, GPRS, ZigBee) (12).

Description

ELECTRONIC TERMINAL FOR PAYMENT WITH THE ELECTRONIC ID

SECTOR OF THE TECHNIQUE

The present invention as expressed in the statement and in the summary of this specification, consists of an electronic terminal for payment at the points of sale through the electronic ID, without excluding payment with existing means of payment (magnetic stripe, chip, contactless and NFC mobile phone).

STATE OF THE TECHNIQUE

Currently, the payment terminals present at the points of sale do not allow payment with the electronic DNI (DNI-e), debit / credit cards or mobile phone must be used for this. The operations are mainly performed ON LINE.

The DNI-e as the identifying element of each citizen is also a secure device, which is already being used to access certain services of the Administration, so it could become one of the most widespread means of payment without the need to have to carry debit / credit cards in the wallet, which also have an annual cost associated to the user.

DESCRIPTION OF THE INVENTION

In order to allow payment with the DNI-e at the points of sale, the invention provides an electronic terminal that allows the use of the DNI-e as a generalized means of payment.

In this line, the client must domicile in his bank the charges to his account of the payment operations that he carries out with the DNI-e or the DNI-e will have been associated with a Debit or Credit card, so that The payments made with the DNI-e will be charged to the customer's account.

Therefore, this invention provides a new benefit or effect and ultimately constitutes a substantial improvement over currently existing terminals as well as a more permitted service with the DNI-e.

In the scheme of this invention, the terminal allows you to enter the amount of the operation, then the customer's DNI-e will be entered in the chip card reader. The terminal triggers a call to the corresponding authentication and authorization center, performing the authentication required in DNI-e operations, including the introduction of the PIN associated with the DNI and finally receiving authorization or denial of the payment operation from the authorization center .

In the event that the operation is authorized, the terminal will print the receipt for the trade and a copy for the user.

The terminal's communication with the authentication and authorization center may be carried out by means of (Ethernet) connection to an ADSL or 3G router or by basic telephone network. Likewise, the terminal can incorporate GPRS communications.

For all those cases in which it is necessary to draw the user's attention or to error situations, the terminal incorporates the corresponding acoustic signaling. In order to allow the aforementioned operation, the microprocessor following the instructions of the application resident in the memory of the same, allows to carry out the necessary operation for the reading of the DNI-e and connect with the authentication and authorization center.

When accessing the DNI-e chip, the Level 1 standard for chip cards and the DNI-e access specifications are followed.

The chip card reader complies with recommendations IS0 7816-1, ISO 7816-2 and ISO 7816-3.

Once the access to the DNI-e is made, the connection with the authentication and authorization center is established, in order to authenticate the DNI-e and proceed to the authorization.

The terminal will request through the display the PIN of the DNI-e, which will be entered by the user through the secure keyboard of the terminal. The terminal complies with the PCI-PED standard for PIN security for this purpose.

In the event that the authentication of the DNI-e and the PIN are correct, the operation is continued by the authorization center, who will authorize or reject the operation in question.

If the operation is authorized, AUTHORIZED OPERATION will be indicated on the display and, in addition to the authorization center, the data to be printed by the terminal will be received as proof of the operation. Likewise and as usual in payment terminals, the terminal will allow obtaining a copy of the receipt for the user, since the first receipt is for the merchant that traditionally contains the signature box (except with EMV cards in which it is not necessary the signature).

If the operation is denied, OPERATION DENIED will be presented on the terminal display and no proof will be printed.

Since the operation is performed ON LINE, the terminal incorporates a communications interface. The following types of communications are contemplated in the terminal:

! Basic telephone network For this, the terminal has a modem integrated. ! Ethernet In order that the terminal can communicate with the authorization center via ADSL router.

! ZigBee. In this case, the handheld terminal dialogs via ZigBee with its base. This base has an Ethernet interface for communication with the authorization center. This solution is very useful when several portable terminals (such as in restaurants) are needed, dialoguing all of them with a single base with an Ethernet connection.

! GPRS This solution is mainly applicable in places where ADSL or RTC is not available and for mobile or home payment.

The proposed terminal also has a chip card reader, a magnetic stripe card reader and another contactless card reader and NFC mobile phone.

The proposed terminal also allows payment with the existing means of payment.

From all of the above, it can be concluded that the terminal according to the present invention has the advantage of being able to make payments without the need for debit / credit cards, eliminating having to carry them in the portfolio, as well as the annual fee associated with these , representing an added value for the DNI-e itself.

It is also contemplated that the terminal acts as a peripheral (chip card reader, keyboard, display, etc.) controlled by a PC and where the application for payment with the DNI-e resides on the PC, the PC also being the one who performs the connection to the authentication and authorization center.

DESCRIPTION OF THE DRAWINGS

To facilitate a better understanding of this descriptive report and forming an integral part thereof, a single figure is attached in which the block diagram object of the invention has been represented by way of illustration and not limitation.

MODE OF REALIZATION

Based on the illustrated figure, it can be seen how the electronic terminal that is recommended is constituted by a microprocessor (1) of great process capacity, greater than 130 MIPS, connected with non-volatile memory and RAM (2) and the TR clock (3) in real time.

Thus, the operation of the terminal is governed by the instructions resident in the non-volatile memory of the terminal.

The microprocessor (1) is connected to an alphanumeric keyboard and with functions (6). This keyboard also has navigation keys in order to allow a very friendly operation interface.

The connection of the microprocessor (1) with the graphic display (5) allows, together with the keyboard (6), an evolved operation dialog.

The high-speed main P clock (4) connected to the microprocessor (1) allows its operation.

The real time TR (3) clock also connected to the microprocessor (1) allows it to operate with date and time.

The microprocessor (1) is connected to a chip card reader (8) to allow operation with the DNI-e and EMV cards.

Likewise, to the microprocessor (1) the magnetic strip readers (7) and contacless (9) are also connected to enable the reading of cards with magnetic stripe in the first case and with the contactless cards and NFC mobile phone in the second .

The connection of the printer (10) with the microprocessor (1) essentially allows the printing of proof of operations.

The microprocessor (1) is connected to the communications interface (12) to allow connection to the authentication and authorization center. This interface (12) has the following options: modem for basic telephone network, Ethernet for connection to ADSL router, GPRS for connection via radio and ZigBee for terminal connection with an Ethernet base that allows working with several terminals.

The power circuit (11) is connected to all the elements of the terminal, providing energy through an external power supply

or by means of the rechargeable battery (14) equipped in the terminal. This battery (14) is recharged by the power circuit (11).

For those cases in which the terminal behaves like a peripheral of a PC, the microprocessor (1) is also connected to a local interface (15).

The acoustic signaling circuit (13) is connected to the microprocessor (1) allowing the user to signal certain phases or to provide error signals.

According to this structuring, the operation of the terminal is as follows.

In a sale operation and once the transaction amount has been entered, the terminal will present on the display (5), ENTER THE CARD.

Once the card is inserted by the chip reader (8) the terminal will access it to trigger communication with the authentication and authorization center through the communications interface (12). Next, the user will be asked to enter the PIN of the DNI-e through the display (5) using the ENTER PIN message. The user will enter the PIN using the PIN PAD keypad (6). The terminal will display (5) PROCESSING. Once the DNI-e has been authenticated and the PIN has been entered and if everything is correct, the AUTHORIZED OPERATION message will be received from the corresponding authentication and authorization center, which will be presented on the display (5) accompanied by an authorization number.

Likewise, the data will be received to print the proof of the operation through the printer (10). The receipt will be printed and may or may not contain the signature box. This will be the proof for the point of sale. To obtain a copy of the receipt for the user, the terminal will display the COPY option on the display (5).

Once the printer data has been received, communication with the authentication and authorization center will be terminated.

The terminal may include the traditional operations of the terminals, such as return, totals inquiry, closing, initialization, etc. where the DNI-e is not involved.

Both in the total query operation and in the closing operation, the terminal will make a call to the authorization center to send the total sales made with DNI-e. The totals received will be printed using the printer (10).

The closing operation proceeds in the same way as in the totals consultation, but in this case the authorization center will make the entry of all the sales made in the point of sale account.

The materials, shape, size and arrangement of the elements will be susceptible to variation, as long as this does not imply an alteration of the essence of the invention. The terms in which this report has been described must always be taken in a broad and non-limiting sense.

Claims (5)

one.

 Electronic terminal for payment with the electronic DNI that aims to enable payment with the electronic ID in all those scenarios in which it is installed, especially at the points of sale, characterized in that it incorporates a microprocessor (1) connected to; a chip card reader (8), a memory (2) where the application resides, a keyboard (6), a display (5), a printer (10) and a communications interface (12) with the authentication center and authorization.

2.

Electronic terminal for payment with the electronic ID, according to claim 1, characterized by being completely autonomous without the need for other external devices for its work, except for the measurement of communication with the authentication and authorization center.

3.

Electronic terminal for payment with the electronic ID, according to claim 1, characterized in that the memory (2) resides in the functionalities necessary to operate with a browser in all those cases in which part of the application resides in the authentication center and authorization.

Four.

Electronic terminal for payment with the electronic ID, according to claim 1, characterized in that in memory (2) the basic functionalities reside to be used as a multi-peripheral, being connected to a local communications interface

(15) Either RS232, USB, Bluetooth, Wifi or Zigbee with a PC where the application resides and where the PC communicates with the authentication and authorization center. SPANISH OFFICE OF THE PATENTS AND BRAND Application no .: 201031481 SPAIN Date of submission of the application: 06.10.2010 Priority Date: REPORT ON THE STATE OF THE TECHNIQUE 51 Int. Cl.: G07F7 / 08 (2006.01) G06Q30 / 00 (2012.01) RELEVANT DOCUMENTS

Category

56 Documents cited Claims Affected

X

US 2004060982 A1 (ZENOU SHLOMO M) 01.04.2004, the whole document. 1-4

X

US 6547132 B1 (TEMPLETON RANDY J et al.) 04.04.2003, column 5, line 1 - column 6, line 67; figures. 1-4

X

WO 0201520 A1 (COVADIS S A et al.) 03.01.2002, summary; figures. 1-4

Category of the documents cited X: of particular relevance Y: of particular relevance combined with other / s of the same category A: reflects the state of the art O: refers to unwritten disclosure P: published between the priority date and the date of priority submission of the application E: previous document, but published after the date of submission of the application

This report has been prepared • for all claims • for claims no:

Date of realization of the report 01.03.2012

Examiner J. Calvo Herrando Page 1/4

REPORT OF THE STATE OF THE TECHNIQUE Application number: 201031481 Minimum documentation sought (classification system followed by classification symbols) G07F, G06Q Electronic databases consulted during the search (database name and, if possible, terms of search used) INVENES, EPODOC, WPI State of the Art Report Page 2/4  WRITTEN OPINION Application number: 201031481 Date of Completion of Written Opinion: 01.03.2012 Statement

Novelty (Art. 6.1 LP 11/1986)

Claims Claims 1-4 IF NOT

Inventive activity (Art. 8.1 LP11 / 1986)

Claims Claims 1-4 IF NOT

The application is considered to comply with the industrial application requirement. This requirement was evaluated during the formal and technical examination phase of the application (Article 31.2 Law 11/1986).  Opinion Base.- This opinion has been made on the basis of the patent application as published. State of the Art Report Page 3/4  WRITTEN OPINION Application number: 201031481 1. Documents considered.- The documents belonging to the state of the art taken into consideration for the realization of this opinion are listed below.

Document

Publication or Identification Number publication date

D01

US 2004060982 A1 (ZENOU SHLOMO M) 04.01.2004

D02

US 6547132 B1 (TEMPLETON RANDY J et al.) 04/15/2003

D03

WO 0201520 A1 (COVADIS S A et al.) 03.01.2002

2. Statement motivated according to articles 29.6 and 29.7 of the Regulations for the execution of Law 11/1986, of March 20, on Patents on novelty and inventive activity; quotes and explanations in support of this statement The main object of the invention is an electronic terminal for payment with electronic ID. Document D01 is considered to be the closest state of the art document to the object claimed, which affects the novelty of all claims, as explained below:  R1 independent claim Document D01 (figure 4) discloses a payment terminal for points of sale that has a microprocessor, a card reader, a keyboard, a display, a printer and a communications interface. On the other hand, it is considered that the memory associated with the microcontroller and the application of the terminal are implicit characteristics of the device described by document D01, since they are necessary for its operation. In view of the disclosure of document D01, the object of the invention set forth in claim R1 derives directly and without any misunderstanding from this document describing a terminal such as that of the present invention suitable for reading and making payments at points of sale. with smart card (cards with integrated chip, such as an electronic ID). Therefore, claim R1 is not new (Art. 6.1 LP).  R2-R4 dependent claims The terminal described by document D01 (figures) is fully autonomous. Therefore, the features of claim R2 are not new in view of the state of the art. In Figure 3A, it can be seen that the terminal of document D01 has the capacity to function as a browser if necessary. Therefore, claim R3 also does not meet the novelty requirement. The terminal disclosed by document D01 (figure 4) has communications interfaces (infrared, USB, serial port, RF) to connect to a PC. Therefore, the object of the invention set forth in claim R4 is also not new. Accordingly, the object of claims R2-R4 does not meet the novelty requirement set forth in Art. 6.1 LP. State of the Art Report Page 4/4