FR2812745A1 - Vendor electronic payment terminal using a mobile phone as a modem so that the payment terminal cost is greatly reduced as it is greatly simplified and does not require a GSM communications facility - Google Patents

Vendor electronic payment terminal using a mobile phone as a modem so that the payment terminal cost is greatly reduced as it is greatly simplified and does not require a GSM communications facility Download PDF

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Publication number
FR2812745A1
FR2812745A1 FR0010322A FR0010322A FR2812745A1 FR 2812745 A1 FR2812745 A1 FR 2812745A1 FR 0010322 A FR0010322 A FR 0010322A FR 0010322 A FR0010322 A FR 0010322A FR 2812745 A1 FR2812745 A1 FR 2812745A1
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Prior art keywords
payment terminal
electronic payment
central unit
transmitter
terminal according
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Granted
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FR0010322A
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French (fr)
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FR2812745B1 (en
Inventor
Pascal Moree
Marc Besnault
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Hypercom France SA
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Hypercom France SA
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Priority to FR0010322A priority Critical patent/FR2812745B1/en
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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/30—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
    • 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
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • 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
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Electronic payment terminal has a central processing unit, wireless emitter-receiver and a communications program for controlling communication with a customer mobile phone used during a payment process by use of a vendor mobile phone attached to the payment terminal to act as a modem.

Description

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La présente invention se rapporte à un terminal de paiement électronique comprenant une liaison sans fil avec un téléphone portable utilisé comme modem. Elle s'applique notamment aux terminaux de paiement électronique comprenant une liaison radioélectrique Bluetooth communiquant avec un téléphone GSM lui-même équipé d'une liaison radioélectrique Bluetooth. <Desc / Clms Page number 1>
The present invention relates to an electronic payment terminal comprising a wireless link with a portable telephone used as a modem. It applies in particular to electronic payment terminals comprising a Bluetooth radio link communicating with a GSM telephone itself equipped with a Bluetooth radio link.

Les terminaux électroniques de paiement (TPE) sont des périphériques permettant un paiement électronique par carte (telles que les cartes à puce ou les cartes à piste magnétique). Ces TPE sont souvent reliés chez les commerçants à une caisse enregistreuse qui permet d'assurer la gestion du point de vente. Un TPE relié à un tel moyen de gestion s'appelle un terminal point de vente (TPV). Certains TPE comportent un appareil portatif dédié à la lecture de cartes à puce et à l'impression des tickets. Cet appareil portatif peut reposer sur un socle lorsqu'il n'est pas utilisé, et communiquer avec ce socle par une liaison sans fil, notamment radioélectrique ou infrarouge, lorsqu'il est utilisé. Le socle comporte généralement un modem qui permet d'obtenir les autorisations de prélèvement des organismes de cartes bancaire, et peut être lui-même connecté à une caisse enregistreuse par exemple. D'autres TPE portatifs ne comprennent pas de socle. En d'autres termes, ces TPE portatifs sont autonomes. Les TPE portatifs autonomes comprennent notamment des moyens de lecture de carte à puce, d'impression de ticket, un modem, et une carte GSM. Ils sont utilisés notamment dans les taxis, les marchés, ou pour la livraison à domicile. Electronic payment terminals (EPTs) are devices allowing electronic payment by card (such as smart cards or magnetic stripe cards). These VSEs are often linked by merchants to a cash register which ensures the management of the point of sale. A VSE connected to such a means of management is called a point of sale terminal (POS). Some VSEs have a portable device dedicated to reading smart cards and printing tickets. This portable device can rest on a base when not in use, and communicate with this base by a wireless link, in particular radio or infrared, when it is used. The base generally includes a modem which makes it possible to obtain direct debit authorizations from bank card organizations, and can itself be connected to a cash register for example. Other portable VSEs do not include a base. In other words, these portable VSEs are autonomous. The autonomous portable VSE include in particular means of reading of smart card, printing of receipt, a modem, and a GSM card. They are used in particular in taxis, markets, or for home delivery.

Un inconvénient de ces TPE est qu'ils comportent beaucoup de composants électroniques onéreux. Les TPE portatifs autonomes en particulier comprennet un modem et une carte GSM, ce qui contribue d'une manière non négligeable au coût de ces appareils. One drawback of these TPEs is that they have a lot of expensive electronic components. Portable autonomous VSEs in particular include a modem and a GSM card, which contributes significantly to the cost of these devices.

Un autre inconvénient est que le marché de ces terminaux est un marché professionnel avec un faible volume de ventes. En comparaison au appareils grand publics, les TPE sont donc des appareils chers. Ils représentent un investissement non négligeable pour les commerçants. Ceci est un frein au développement technologique des TPE. Another drawback is that the market for these terminals is a professional market with a low sales volume. Compared to consumer devices, VSEs are therefore expensive devices. They represent a significant investment for traders. This is an obstacle to the technological development of VSEs.

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Un but de l'invention est de pallier les inconvénients précités, et notamment de réduire l'investissement que représente un terminal de paiement électronique pour un commerçant.  An object of the invention is to overcome the aforementioned drawbacks, and in particular to reduce the investment that an electronic payment terminal represents for a merchant.

A cet effet, l'invention concerne un terminal de paiement électronique comprenant (a) une unité centrale, placée dans le terminal de paiement électronique ; (b) un émetteur/ récepteur sans fil relié à l'unité centrale du terminal de paiement électronique ; (c) un programme de communication, mémorisé dans l'unité centrale du terminal de paiement électronique, pour contrôler l'émetteur / récepteur lors d'une communication sans fil avec un téléphone portable, ledit téléphone portable étant utilisé comme modem par le terminal de paiement électronique. To this end, the invention relates to an electronic payment terminal comprising (a) a central unit, placed in the electronic payment terminal; (b) a wireless transmitter / receiver connected to the central unit of the electronic payment terminal; (c) a communication program, stored in the central unit of the electronic payment terminal, for controlling the transmitter / receiver during wireless communication with a mobile phone, said mobile phone being used as a modem by the payment terminal. electronic payment.

L'invention a notamment pour principaux avantages qu'elle permet # de réduire le coût des TPE en remplaçant une carte GSM et / ou un modem par des moyens de communication sans fil moins onéreux; # d'utiliser l'abonnement téléphonique de son choix, tel que celui d'un téléphone portable personnel ; et, # d'utiliser un même téléphone portable avec plusieurs terminaux de paiement selon l'invention. The main advantages of the invention are in particular that it makes it possible # to reduce the cost of VSEs by replacing a GSM card and / or a modem with less expensive wireless communication means; # to use the telephone subscription of one's choice, such as that of a personal mobile telephone; and, # to use the same mobile phone with several payment terminals according to the invention.

D'autres caractéristiques et avantages de l'invention apparaîtront plus clairement dans la description qui va suivre et dans les figures annexées qui représentent # la figure la, un terminal de paiement électronique portable selon l'invention ; # la figure lb, un diagramme fonctionnel du terminal de paiement représenté sur la figure 1 a ; # la figure 2, un diagramme fonctionnel des liaisons entre le terminal de paiement représenté figure 1a, un téléphone portable, et un centre d'autorisation ; # la figure 3, un exemple d'utilisation du terminal de paiement représenté figure 1a ; # la figure 4, les appareils représentés sur la figure 3, et les liaisons entre ces appareils. Other characteristics and advantages of the invention will appear more clearly in the description which follows and in the appended figures which represent # FIG. 1a, a portable electronic payment terminal according to the invention; # Figure lb, a functional diagram of the payment terminal shown in Figure 1 a; # Figure 2, a functional diagram of the connections between the payment terminal shown in Figure 1a, a mobile phone, and an authorization center; # Figure 3, an example of use of the payment terminal shown in Figure 1a; # Figure 4, the devices shown in Figure 3, and the connections between these devices.

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On se réfère maintenant aux figures 1 a et 1 b qui représentent un exemple de terminal de paiement électronique selon l'invention. Ce terminal de paiement électronique 100 est un terminal portable. II comporte un afficheur 101, de type écran à cristaux liquides, un clavier 102, un lecteur de cartes à puce 103, un lecteur de carte à piste magnétique 104, une imprimante de tickets 105. L'afficheur 101, le clavier 102, les lecteurs de carte 103, 104, sont reliés fonctionnellement à une unité centrale 106. Le terminal de paiement 100 comporte en outre une batterie 108 servant d'alimentation aux composants électroniques du terminal de paiement 100. L'unité centrale 106 est placée dans le boîtier du terminal de paiement 100. Le terminal de paiement 100 est utilisé par un commerçant lors d'une transaction par carte à puce ou carte à piste magnétique avec un client. Le lecteur de carte 103 ou 104 permet de lire la carte à puce ou à piste magnétique du client utilisée pour effectuer une transaction. Le clavier 102 permet au commerçant de saisir les données relatives à la transaction, telles que le montant de la transaction. II permet en outre au client d'accepter la transaction et de saisir le code secret de sa carte, ou de refuser la transaction en appuyant sur une touche d'annulation. L'écran 101 permet de visualiser les données de la transaction, telles que le montant de la transaction, et les messages de validation, indiquant notamment que le code entré par le client est correct, et que la transaction est autorisée. L'imprimante 105 permet d'imprimer un ticket indiquant que la transaction a bien été effectuée. Ce ticket comporte par exemple la date, l'heure et le montant de la transaction, une identification du commerçant, une identification de la carte du client.  Reference is now made to FIGS. 1 a and 1 b which represent an example of an electronic payment terminal according to the invention. This electronic payment terminal 100 is a portable terminal. It comprises a display 101, of the liquid crystal screen type, a keyboard 102, a chip card reader 103, a magnetic stripe card reader 104, a receipt printer 105. The display 101, the keyboard 102, the card readers 103, 104 are functionally connected to a central unit 106. The payment terminal 100 further includes a battery 108 serving to supply the electronic components of the payment terminal 100. The central unit 106 is placed in the housing the payment terminal 100. The payment terminal 100 is used by a merchant during a transaction by smart card or magnetic stripe card with a customer. The card reader 103 or 104 makes it possible to read the customer's chip or magnetic stripe card used to carry out a transaction. The keyboard 102 allows the merchant to enter the data relating to the transaction, such as the amount of the transaction. It also allows the customer to accept the transaction and enter the secret code of his card, or to refuse the transaction by pressing a cancel key. The screen 101 makes it possible to view the data of the transaction, such as the amount of the transaction, and the validation messages, indicating in particular that the code entered by the client is correct, and that the transaction is authorized. The printer 105 makes it possible to print a ticket indicating that the transaction has been completed. This ticket includes, for example, the date, time and amount of the transaction, an identification of the merchant, an identification of the customer's card.

Selon l'invention, ce terminal de paiement 100 comporte en outre un émetteur / récepteur 107 relié fonctionnellement à l'unité centrale 106. Cet émetteur / récepteur permet d'établir une liaison sans fil locale avec un téléphone portable. Cet émetteur / récepteur 107 peut utiliser par exemple des ondes radioélectriques, infrarouges ou acoustiques. Un programme de communication, mémorisé dans l'unité centrale 106, permet de contrôler l'émetteur / récepteur 107. According to the invention, this payment terminal 100 further comprises a transmitter / receiver 107 operatively connected to the central unit 106. This transmitter / receiver makes it possible to establish a local wireless link with a portable telephone. This transmitter / receiver 107 can use, for example radio, infrared or acoustic waves. A communication program, stored in the central unit 106, makes it possible to control the transmitter / receiver 107.

On se réfère maintenant à la figure 2 sur laquelle est représenté un diagramme fonctionnel des liaisons entre le terminal de paiement Reference is now made to FIG. 2 in which a functional diagram of the connections between the payment terminal is represented.

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représenté figure la, un téléphone portable, et un centre d'autorisation. Le terminal de paiement 100 communique avec un téléphone portable 200 par une liaison sans fil 204. Cette liaison sans fil 204 est assurée par l'émetteur / récepteur 107 du terminal de paiement 100 d'une part, et par un émetteur / récepteur 201 d'autre part. L'émetteur / récepteur 201 est placé dans le téléphone portable 200. II est contrôlé par un programme de communication mémorisé dans une unité centrale 202 du téléphone portable. La liaison 204 peut être par exemple une liaison radioélectrique Bluetooth. L'homme de l'art pourra aller chercher des renseignements techniques relatifs émetteur / récepteurs et aux programmes de communication Bluetooth sur le site officiel Bluetooth dont l'adresse Internet est http://www.bluetooth.net , et en particulier dans les documents de spécifications de la norme Bluetooth. Le terminal de paiement 100 communique par l'intermédiaire du téléphone portable 201 avec un centre d'autorisation 206. La liaison entre le téléphone portable et le terminal de paiement électronique 204 est assurée par les émetteurs / récepteurs sans fil 107, 201 et les programmes de communication mémorisés dans les unités centrales 106, 202. Le téléphone portable se connecte au réseau téléphonique avec une carte GSM 203 reliée fonctionnellement à l'unité centrale 202. La liaison 205 entre le téléphone portable 200 et le centre d'autorisation 206 est assurée notamment par la carte GSM 203. Le protocole de communication entre le terminal de paiement 100 et le téléphone portable 200 est basé sur une relation maître / esclave. Le terminal de paiement envoi des requêtes au téléphone portable (composer un numéro de téléphone) qui lui répond.  shown in Figure la, a cell phone, and an authorization center. The payment terminal 100 communicates with a portable telephone 200 by a wireless link 204. This wireless link 204 is provided by the transmitter / receiver 107 of the payment terminal 100 on the one hand, and by a transmitter / receiver 201 d 'somewhere else. The transmitter / receiver 201 is placed in the portable telephone 200. It is controlled by a communication program stored in a central unit 202 of the portable telephone. The link 204 can for example be a Bluetooth radio link. Those skilled in the art will be able to obtain technical information relating to transmitter / receivers and to Bluetooth communication programs on the official Bluetooth site whose Internet address is http://www.bluetooth.net, and in particular in the documents. of specifications of the Bluetooth standard. The payment terminal 100 communicates via the portable telephone 201 with an authorization center 206. The connection between the portable telephone and the electronic payment terminal 204 is ensured by the wireless transmitters / receivers 107, 201 and the programs communication devices stored in the central units 106, 202. The mobile phone connects to the telephone network with a GSM card 203 functionally connected to the central unit 202. The link 205 between the mobile phone 200 and the authorization center 206 is ensured in particular by the GSM card 203. The communication protocol between the payment terminal 100 and the mobile telephone 200 is based on a master / slave relationship. The payment terminal sends requests to the mobile telephone (dial a telephone number) which responds to it.

En d'autres termes, on peut expliquer un intérêt de l'invention de la manière suivante. D'une part, les téléphones portables sont de plus en plus équipés d'émetteurs / récepteurs sans fil courte distance pour des applications grand public. On peut citer notamment comme application grand public le réseau personnel domestique, connu sous le nom de Home RF dans la littérature anglo-saxonne. Le réseau personnel domestique est un réseau local basé sur des liaisons radioélectriques entre plusieurs appareils électroniques dans un foyer. On peut citer aussi comme application grand public l'accès sans fil à Internet sur les téléphones portables, connu sous le nom de Wireless Application Protocol (WAP) dans la littérature anglo- saxonne. In other words, an interest of the invention can be explained in the following manner. On the one hand, mobile phones are increasingly equipped with short-range wireless transceivers for consumer applications. As a general public application, one can cite the home personal network, known as Home RF in the Anglo-Saxon literature. The home personal network is a local area network based on radio links between several electronic devices in a household. As a general public application, wireless Internet access can also be cited on mobile phones, known as the Wireless Application Protocol (WAP) in the English literature.

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D'autre part, les terminaux de paiement électroniques de l'art antérieur sont équipés de moyens de communication vers le réseau téléphonique pour établir une connexion avec un centre d'autorisation. Ces moyens de communication sont par exemple une carte GSM pour les terminaux de paiement portables autonomes, ou un modem pour les terminaux de paiement avec base.  On the other hand, the electronic payment terminals of the prior art are equipped with means of communication to the telephone network to establish a connection with an authorization center. These communication means are for example a GSM card for autonomous portable payment terminals, or a modem for payment terminals with base.

L'invention consiste notamment à supprimer ces moyens de communication vers le réseau téléphonique des terminaux de paiement, et de les remplacer par ceux présents dans les téléphones portables. Le téléphone portable est donc utilisé comme un modem par le terminal de paiement électronique pour se connecter avec le centre d'autorisation. Ceci permet d'économiser des composants électroniques, et donc de réduire les coûts des terminaux de paiement supportés par les commerçants. D'autre part, le commerçant utilise un téléphone portable de son choix. Par rapport aux terminaux de paiement portables autonomes connus, le commerçant est libre de choisir un abonnement téléphonique et d'en changer sans avoir à intervenir sur le terminal de paiement. II peut même utiliser son abonnement téléphonique personnel s'il souhaite rentabiliser son forfait de communications téléphoniques. De plus, un même téléphone portable peut être utilisé par plusieurs terminaux de paiement différent. L'économie réalisée par rapport aux terminaux de l'art antérieur est d'autant plus élevée que le téléphone portable est partagé entre plusieurs terminaux selon l'invention. The invention notably consists in eliminating these means of communication to the telephone network of payment terminals, and replacing them with those present in portable telephones. The mobile phone is therefore used as a modem by the electronic payment terminal to connect with the authorization center. This saves electronic components, and therefore reduces the costs of payment terminals borne by merchants. On the other hand, the merchant uses a mobile phone of his choice. Compared to known autonomous portable payment terminals, the merchant is free to choose a telephone subscription and to change it without having to intervene on the payment terminal. He can even use his personal telephone subscription if he wishes to make the most of his telephone communications package. In addition, the same mobile phone can be used by several different payment terminals. The savings made compared to the terminals of the prior art are all the higher as the mobile telephone is shared between several terminals according to the invention.

On se réfère maintenant à la figure 3 sur laquelle est représenté un exemple d'utilisation d'un terminal de paiement selon l'invention. Le terminal de paiement 100 communique avec le téléphone portable 200 d'un commerçant 300. Le commerçant laisse son téléphone portable en veille, accroché à sa ceinture par exemple, et peut utiliser son terminal de paiement n'importe où. Lors d'une transaction, le commerçant 300 utilise sont terminal de paiement 100, lequel compose le numéro de téléphone d'un centre d'autorisation par l'intermédiaire du téléphone 200 laissé en veille. Le terminal de paiement 100 et le téléphone portable 200 dans cet exemple forment un ensemble autonome pour effectuer des transactions. II est donc possible d'utiliser le terminal de paiement dans des taxis, des restaurants, des marchés ou pour des livraisons à domiciles. D'une façon générale, le Reference is now made to FIG. 3 which shows an example of the use of a payment terminal according to the invention. The payment terminal 100 communicates with the mobile phone 200 of a merchant 300. The merchant leaves his mobile phone on standby, hung on his belt for example, and can use his payment terminal anywhere. During a transaction, the merchant 300 uses his payment terminal 100, which dials the telephone number of an authorization center via the telephone 200 left on standby. The payment terminal 100 and the portable telephone 200 in this example form an autonomous assembly for carrying out transactions. It is therefore possible to use the payment terminal in taxis, restaurants, markets or for home deliveries. In general, the

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terminal de paiement étant portable, et le téléphone étant portable et mobile, il est possible d'utiliser ce type de terminaux dans tous les lieux de transaction possibles.  payment terminal being portable, and the telephone being portable and mobile, it is possible to use this type of terminal in all possible transaction locations.

On se réfère maintenant à la figure 4 sur laquelle sont représentés les appareils représentés sur la figure 3, et les liaisons entre ces appareils. Le terminal de paiement 100 communique avec le téléphone portable 200 par une liaison sans fil 204. Le téléphone portable 200 communique à son tour avec un centre d'autorisation par l'intermédiaire d'une liaison téléphonique 205. Reference is now made to FIG. 4 in which the devices represented in FIG. 3 are shown, and the connections between these devices. The payment terminal 100 communicates with the portable telephone 200 by a wireless link 204. The portable telephone 200 in turn communicates with an authorization center via a telephone link 205.

Bien entendu, l'invention ne se limite pas à l'exemple utilisé dans la description ci-dessus. Le terminal de paiement selon l'invention n'est pas nécessairement portable, il peut être intégré dans un terminal point de vente non portable. II peut aussi être composé de plusieurs appareils dépendants et non d'un seul appareil autonome. Ainsi, il peut être composé d'un clavier code confidentiel (connu sous le nom de PinPad dans la littérature anglo- saxonne), d'un lecteur de carte et d'une imprimante séparés physiquement mais reliés entre eux de manière fonctionnelle. II ne comporte pas nécessairement de lecteur de carte à puce, ou de lecteur de carte à piste magnétique, mais plus généralement des moyens de lecture d'un support de paiement appartenant au client. II ne comporte pas nécessairement d'imprimante, d'afficheur, ou de clavier. La saisie du code secret de la carte peut être remplacée par une identification biométrique, avec un capteur d'empreintes digitales par exemple. Le téléphone portable n'est pas nécessairement un GSM, mais plus généralement tout type de téléphone portable. Of course, the invention is not limited to the example used in the description above. The payment terminal according to the invention is not necessarily portable, it can be integrated into a non-portable point of sale terminal. It can also be composed of several dependent devices and not of a single autonomous device. Thus, it can be composed of a confidential code keyboard (known as PinPad in the English literature), a card reader and a printer physically separated but linked together in a functional manner. It does not necessarily include a smart card reader, or a magnetic stripe card reader, but more generally means for reading a payment medium belonging to the customer. It does not necessarily include a printer, display, or keyboard. The entry of the secret code of the card can be replaced by a biometric identification, with a fingerprint sensor for example. The mobile phone is not necessarily a mobile phone, but more generally any type of mobile phone.

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Claims (9)

REVENDICATIONS 1. Terminal de paiement électronique caractérisé en ce qu'il comprend au moins (a) une unité centrale, placée dans le terminal de paiement électronique ; (b) un émetteur/ récepteur sans fil relié à l'unité centrale du terminal de paiement électronique ; (c) un programme de communication, mémorisé dans l'unité centrale du terminal de paiement électronique, pour contrôler l'émetteur/ récepteur lors d'une communication sans fil avec un téléphone portable, ledit téléphone portable étant utilisé comme modem par le terminal de paiement électronique.1. Electronic payment terminal characterized in that it comprises at least (a) a central unit, placed in the electronic payment terminal; (b) a wireless transmitter / receiver connected to the central unit of the electronic payment terminal; (c) a communication program, stored in the central unit of the electronic payment terminal, for controlling the transmitter / receiver during wireless communication with a mobile phone, said mobile phone being used as a modem by the payment terminal. electronic payment. 2. Terminal de paiement électronique selon la revendication 1, caractérisé en ce que le programme de communication utilise un protocole de communication maître / esclave, le terminal de paiement électronique étant le maître, le téléphone portable l'esclave.2. Electronic payment terminal according to claim 1, characterized in that the communication program uses a master / slave communication protocol, the electronic payment terminal being the master, the mobile telephone the slave. 3. Terminal de paiement électronique selon l'une des revendications précédentes, caractérisé en ce que le téléphone portable utilisé comme modem par le terminal de paiement électronique est aussi utilisé par d'autres terminaux de paiement électronique de la même manière.3. Electronic payment terminal according to one of the preceding claims, characterized in that the portable telephone used as a modem by the electronic payment terminal is also used by other electronic payment terminals in the same way. 4. Terminal de paiement électronique selon l'une des revendications précédentes, caractérisé en ce que l'émetteur / récepteur utilise des ondes radioélectriques.4. Electronic payment terminal according to one of the preceding claims, characterized in that the transmitter / receiver uses radio waves. 5. Terminal de paiement électronique selon l'une des revendications 1 à 3, caractérisé en ce que l'émetteur / récepteur utilise des ondes infrarouges.5. Electronic payment terminal according to one of claims 1 to 3, characterized in that the transmitter / receiver uses infrared waves. 6. Terminal de paiement électronique selon l'une des revendications 1 à 3, caractérisé en ce que l'émetteur / récepteur utilise des ondes acoustiques. 6. Electronic payment terminal according to one of claims 1 to 3, characterized in that the transmitter / receiver uses acoustic waves. <Desc/Clms Page number 8><Desc / Clms Page number 8> 7. Terminal de paiement électronique selon la revendication 4, caractérisé en ce que l'émetteur / récepteur et le programme sont conformes à la norme Bluetooth. 7. Electronic payment terminal according to claim 4, characterized in that the transmitter / receiver and the program conform to the Bluetooth standard. 8. Terminal de paiement électronique selon l'une des revendications précédentes, caractérisé en ce qu'il est portatif, et que le terminal de paiement électronique et le téléphone portable forment un ensemble utilisable de façon autonome pour effectuer des transactions.8. Electronic payment terminal according to one of the preceding claims, characterized in that it is portable, and that the electronic payment terminal and the mobile telephone form a unit which can be used independently to carry out transactions. 9. Terminal de paiement électronique selon l'une des revendications précédentes, .caractérisé en ce qu'il comprend en outre (a) un lecteur de carte, relié fonctionnellement à l'unité centrale, pour lire la carte d'un client utilisée pour effectuer une transaction ; (b) un clavier, relié fonctionnellement à l'unité centrale, pour saisir des données de transaction, et le code secret de la carte ; (c) un écran, relié fonctionnellement à l'unité centrale, pour visualiser les données de transaction et des messages de validation ; (d) une imprimante, reliée fonctionnellement à l'unité centrale, pour imprimer un ticket indiquant que la transaction a bien été effectuée.9. Electronic payment terminal according to one of the preceding claims, .characterized in that it further comprises (a) a card reader, functionally connected to the central unit, for reading the card of a customer used for make a transaction; (b) a keyboard, operatively connected to the central unit, for entering transaction data, and the secret code of the card; (c) a screen, operatively connected to the central unit, for viewing transaction data and validation messages; (d) a printer, operatively connected to the central unit, for printing a ticket indicating that the transaction has been completed.
FR0010322A 2000-08-04 2000-08-04 ELECTRONIC PAYMENT TERMINAL INCLUDING A WIRELESS LINK WITH A PORTABLE TELEPHONE USED AS A MODEM Expired - Fee Related FR2812745B1 (en)

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