FR2842929A1 - USER INITIATED PURCHASE PROCESS ON MOBILE TERMINAL - Google Patents

Abstract

The invention relates to a method of purchasing by electronic mobile communication equipment, in which the purchaser himself enters (B, C) on his mobile equipment identification data of at least one product or at least a service for transmission to a shopping server, characterized in that the mobile equipment is used to transmit (D), in one and the same message at a time, these identification data of product and / or service and payment data allowing the transaction.

Description

The present invention relates to the payment of goods or services to

  distance by mobile communication terminal, in particular by mobile phone. The invention finds an application in systems requiring payment, such as the purchase of goods and services, payment in matters

  Pay TV, bill payment, and more.

  We have already proposed a process, called ItiAchat (FR 2 790 162), which allows remote payment on a mobile phone equipped with a reader.

bank card.

  An offer of good or service is sent as an SMS (Short Message Service) message by a mobile phone, the number of this phone having been previously communicated by the buyer during a

  online, telephone or internet consultation phase.

  This SMS activates a SimToolkit application, asking the user if he wants to make the payment for this offer. If this is the case, he introduces his bank card into the reader of the mobile phone, enters his confidential bank card code, and, after calculation of certificates, an SMS message containing the bank information is sent back, for processing by

  a platform linked to the RCB (Credit Card Network).

  Having to consult the merchant's offer online requires a prior connection which in some cases requires a terminal other than a mobile phone (GSM), which is a limiting factor in terms of

  merchants involved in this process.

  In addition, this purchasing procedure appears very complex to the user.

  WO 01/41419 has also proposed a method of purchasing by mobile telephone in which item identification data is entered on the telephone keypad, then it is transmitted to a purchasing server. Then follows a procedure of exchanges between this purchase server and an electronic purse associated with the mobile phone in a step

prior to purchase.

  During this procedure, the purchasing server interrogates, among other things, the user about the desired method of payment, and also

  requests confirmation of purchase from the latter.

  This process is also heavy to use, both for

  the buyer only for the technical services which set it up.

  The object of the invention is a method of purchasing by mobile telephone, which is easier to set up and implement than

existing purchasing processes.

  This object is achieved according to the invention by a method of purchase by electronic mobile communication equipment, in which the buyer himself enters on his mobile equipment identification data of at least one product or of minus a service for transmission to a purchasing server, characterized in that the mobile equipment is used to transmit, in a single message at the same time, these product and / or service identification data and data of payment

allowing the transaction.

  The invention also proposes a mobile communication assembly comprising at least one mobile communication equipment and a purchasing server in communication with the mobile equipment, characterized in that the purchasing server is programmed to carry out a financial transaction. and initiate a delivery of a product or service in response to a single message sent by the mobile equipment and containing both a product or service designation and both

  sufficient payment data for the transaction.

  There is also proposed according to the invention a mobile communication equipment comprising means for sending messages, characterized in that it includes a message production application for the remote purchase of a product or service, this application generating sufficient data for a payment and producing the same message in which it introduces the payment data produced by it as well as product or service designation data entered by the user. In a preferred variant, it is a question of providing mobile equipment including an application intended to enter the payment data in the message, at the user's command. Other characteristics, aims and advantages of the invention

  will appear on reading the detailed description which follows, made in

  reference to the appended figures in which: - Figure 1 is a flowchart representing the steps of a method according to a variant of the invention; - Figure 2 and a simplified diagram illustrating the exchange of information between different units participating in an implementation of the invention. The example process now described with reference to Figure 1 is organized around the following steps: The customer first consults (step A) a catalog of offers (catalog in the generic sense of the term). This catalog can be a CD-ROM, a paper catalog, an Internet server, a television channel

  specialist, or even an invoice to pay.

  In this catalog are presented some of the information necessary for the development of the banking transaction on the mobile device accessing the GSM (Global System for Mobile Communication), GPRS (General Packet Radio Service) or UMTS (Universal Mobile Telecommunications system) network. Typically, we find on this catalog the identity of the merchant and his bank, the identification of the good

and the amount to be paid.

  In steps B and C explained below, the customer wishing to buy

  activates a purchase functionality on their mobile device.

  He then enters a menu in which he is asked to enter these three pieces of information (identity of the merchant and his bank, identification of the goods, and amount) and to authenticate himself vis-à-vis the means of payment, by

  example using a confidential payment code.

  An application programmed in the mobile equipment (either the handset or the SIM card in the case of a mobile phone) then provides, in response to this authentication, payment data.

necessary for the transaction.

  This application then creates a mini "Transaction" message and then sends it (Step D) to a payment server via asynchronous message,

here simply via SMS message.

  The application that generates payment data, bank or not, can take different forms. Payment data can be non-bank data because it can designate another type of account, for example a pre-funded account of any commercial network. In a first variant, the telephone is equipped with a network authentication card (SIM card in its current name), which also has an identification function as a user of a

product payment account.

  In other words, the card that the user inserts into his laptop when acquiring the latter, is a card that declares him as a user of the network, and that identifies him as an account holder. ,

banking or not.

  Any module which combines both the function of identifying the user on the network and the function of memorizing or calculating

  data required for payment is also adapted.

  The mobile phone, or preferably its SIM card, is programmed to automatically enter the bank data required for the transaction in the message. User operations in

are therefore greatly reduced.

  In a first variant, the telephone simply includes a memory in which payment details are recorded, such as designation of a bank account or any other account to be debited. The activation of the command function causes the automatic supply of these coordinates and their inclusion in the message, without

  need for special consultation by the user.

  In a second variant, the telephone or its SIM card includes means for controlling a telephone computer which prepares the certificates necessary for certain authentication of the buyer, then the

registered in the message.

  In a third variant, the telephone is equipped with a reader for conventional bank cards. The user inserts the card in the phone beforehand, enters his bank card code, and the phone calculates certificates which authenticate the card and its user. These certificates are then entered by telephone in the minimessage, with the

product designations.

  The telephone preferably then includes an ISO or AFNOR card reader as a bank card reader (chip card or micro-circuit card). Such a reader can also be a reader of the remote reader type, that is to say for example an additional reader which can be connected to the mobile telephone, physically or by contactless link,

  for example by radio proximity link, bluetooth for example.

  After transmission of the mini message to the purchasing server, this server then calls authorization centers for the transaction, then notifies the

  merchant regarding the transaction.

  On receipt of the merchant's acknowledgment, the payment server acknowledges by mini-message (SMS) the customer on the transaction and on

the service of the merchant.

  If it is impossible for the merchant to provide a service, the customer is also notified but the transaction is not placed on discount. It should be noted that the notification of the client on the transaction operation can be

  decoupled from the merchant notification.

  The customer's physical contact details are kept here on the

payment server.

  By the fact that the customer enters himself the data identifying the product and its seller, such a system considerably extends the capacities of electronic commerce using the GSM terminal as a payment terminal. To illustrate, some examples are presented by

the following.

  If the customer consults a catalog of the merchant on CD-ROM, he very freely determines the choice of the good he wishes to buy (at any time without external constraints such as download times,

  cost of telecommunications, etc.).

  On paper catalog, the process is the same as before. It can be noted that the majority of the turnover of mail orderers goes through

this channel.

  On the Internet, consultation of the merchant's catalog is done online. This type of consultation is entirely possible but is not exclusive

in the system.

  Television is also a medium for easily making a purchase of this type. Consulting a TV Purchase channel

  gives the customer the opportunity to make a subsequent purchase at any time.

  The chain has only to indicate the elements necessary for the purchase during the presentation of the goods (for example the identity of the merchant,

  identification of the good and the price of the good).

  In the case of pay-per-view televisions (toll at the screening for example), indicating on the program presentation page the elements necessary for the purchase of a program (the identity of the merchant, the identification of the program and the price of the program), it is possible to build a Pay per View system (paid to see) based on usage

GSM according to the present method.

  Payment of invoices is also an important application of electronic commerce, and in particular of this process, whatever the system chosen, the customer always has a paper invoice (legal obligation). We use this invoice as support for the elements necessary for payment thereof (identity of the merchant, identification of the invoice

and the amount of the invoice).

  As an additional example, during the projection of video cassettes, there are often before the film certain advertisements which present new releases. It is planned to accompany these advertisements with sufficient elements to purchase a new cassette by this process (the identity of the merchant, the identification of the new cassette and the price of the cassette). Likewise, it is planned to present the information necessary for the purchase of goods in the press, for example in press advertisements. We will now detail the series of steps implemented in the

  present example according to the invention, as illustrated in FIG. 1.

  In step A, the client consults a paper catalog and it turns out

  interested in two purchases on this catalog.

  He calls the PURCHASE menu from his GSM phone.

  In step B, he enters the references of the first article (or first service) at 25.20 E. In step C, he enters the references of the second article, at 12.20 E. The application programmed in the mobile equipment then adds the

amounts of the different articles.

  In other words, the customer constitutes, offline (off-line), a

shopping cart.

  It is possible here to enter only one code representing the merchant data, whereas it will be possible to enter several codes representing several

  articles, and thus constitute an "electronic mini-basket".

  In step D, the user enters his confidential code required for payment. In the variant with a multifunctional SIM (Suscriber Identity Module) card (for example an EMV card for Eurocard Marstercard Visa, which combines all the typical functions of a SIM card and all the functions of a bank card), the user enters the code necessary for the generation of payment data, for example in the form of

certificates, by this card.

  In the variant with pre-registered account details, the

  concerned memory provides the coordinates in response to the code.

  In the variant with a bank card reader, the code in question is the code for using the card and an application on the SIM card calculates the certificates typically required for a transaction, then registers them.

on the purchase message.

  Then the user confirms his purchase.

  The phone then transmits an SMS type message (or more generally an asynchronous message) to the purchase server, in which message are found both the coordinates defining the item and here the seller, as well as the payment, bank details for example,

of the buyer.

  The information entered by the customer and the payment data, which constitute this message, are sufficient to trigger a payment transaction. It is, by a single message, a payment order that has been developed off-line, that is to say offline from any server at the time of entry, and without connection to two directions

  simultaneously during such an entry.

  The initialization of the act of purchase is therefore, in this example, very particular in that it includes all of the data for the

  transaction in a single message.

  Illustrated here with reference to the use of a telephone, the invention can be implemented using any electronic equipment of

  mobile communication, or mobile communication terminal.

  By electronic mobile communication equipment or mobile terminal is meant any equipment including means for exchanging signals, in particular radio signals, in particular a digital personal assistant (PDA) of the type including a SIM card or including another card of the same kind. In FIG. 2, the interactions between the mobile telephone 10, a second entity 20 called the "trader" (having a communication instrument or a delegated entity) and a third entity 30, called "platform" have been represented diagrammatically. ". The platform 30 is able to store data and communicate on the one hand with an equipment supporting asynchronous messages and on the other hand

  a financial institution 40 or a banking network.

  The method described here comprises the following exchanges between the equipment of the three entities 10, 20 and 30: First, the client 10 enters data defining a service offer. Then the mobile equipment (telephone) generates the message from this product or service identification data and from the contact details necessary for payment, which this equipment preferably registers itself in the message. This is the sending by the equipment, of all of this data to the platform 30, under the

  form of a message 100 in FIG. 2.

  This second step is preferably carried out in the SIM card, which performs client authentication by code and generates in response the

data required by the client.

  Then the mobile equipment addresses this message to a platform or gateway 30, forming a purchase server, therefore including the product identification data and the data necessary for payment (certificate (s)

in the case of a bank card).

  The data of the above-mentioned service offer here preferably presents the form of one or more codes, indicating among other things the merchant, banking, articles or

service, the unit price.

  Then, the gateway 30 (purchasing server) analyzes this data, puts them in contact, if necessary, with other information from the merchant's server 20. This is the communication arrow 200 (optional) with the merchant 20 and passing commercial data. By this communication 200 of the product request, the purchase server 30 ensures that the product is available from the merchant. In some cases, such as in the case of intangible assets (music, images), such an interrogation is not compulsory because the asset is always

available.

  In the case where the response 300 from the merchant's server is

  negative, the product is unavailable and the following steps, detailed below, are canceled.

  There is also, at this stage of the purchasing process, a general verification of the data, and a passing of data

additional if necessary.

  Then the gateway 30 communicates to the financial institution 40 or to the banking network the information necessary for the accomplishment of the

  transaction (arrow 400 in Figure 2).

  Then, the gateway 30, after return of the operation performed by the financial institution 40 or the banking network, returns to the mobile equipment 10, if necessary after interrogation of the merchant's server 20, a message indicating the information from the 'completion of the transaction, whether it has been accepted or not, or the information linked to its non-completion by the platform 30. This is arrow 500 representing the communication to the merchant 20 of the data from

  the completion of the transaction.

  Then a response from the merchant server 20 indicating additional information about the product (availability, designation, etc.)

is issued (arrow 600).

  Finally, information from the mobile equipment 10 on

  the operation takes place (arrow 700).

  In Figure 2, the solid lines represent particularly desirable items, the dotted lines represent optional communications (which result in the non-existence of items 400, 500 and 600), and the dashed line (arrow 600) is a

  communication also optional.

  According to a preferred variant, a code representing the merchant data is entered by the customer, and several simplified codes representing the item or service data can therefore be entered, and sent after

  processing and possible segmentation at the platform.

  The code can be communicated to the remote terminal by various means such as terminal peripherals such as scanners, voice or handwriting recognition tools, etc. The method described here, in addition to its advantages in terms of ease of use and installation, also has the advantage of reducing the

  risks of repudiation of a purchase request.

  It will be noted that in the present method, the platform 30 performs a verification of the time communicated by the client 10. This time takes account of any time differences, and of the asynchronism of the

exchanged messages.

  The platform 30 also performs a data verification,

  articles, merchant and banking, as well as customer data.

Claims (17)

  1. A method of purchasing by electronic mobile communication equipment (10), in which the buyer himself enters (B, C) on his mobile equipment (10) identification data of at least one product or d '' at least one service for transmission to a purchase server (30), characterized in that the mobile equipment is used to transmit (D), in a single message at a time, these product identification data and / or service and payment data allowing the transaction. 2. Method according to claim 1, characterized in that a mobile equipment programmed is used to automatically deliver the payment data and write them in the message, on command of the user.   3. Method according to claim 2, characterized in that the mobile equipment used is programmed to register the data of   payment in the message in response to the provision of a password.   4. Method according to any one of the preceding claims,   characterized in that the message includes identification data of at least   minus a second item purchased by the same transaction (C).   5. Method according to any one of the preceding claims,   characterized in that it includes sending a message from the purchase server (30) to the buyer's mobile equipment (10), which confirms or signals the failure of the transaction.   6. Method according to any one of the preceding claims,   characterized in that the data identifying the product or the service is in the form of one or more codes which identifies in particular the merchant, the bank details thereof, a product reference   or the service sold, and the amount of that product or service.   7. Method according to any one of the preceding claims,   characterized in that the mobile equipment (10) is a mobile telephone (10).   8. Method according to any one of claims 1 to 6,   characterized in that the mobile equipment (10) is an electronic assistant Personal (PDA).   9. Method according to any one of the preceding claims,   characterized in that the message including the identification data of the product or the service as well as the banking data of the buyer is an asynchronous message, that is to say a message developed by the user (A, B, C) apart from any connection between the mobile equipment and the purchase server.   10. Method according to any one of the preceding claims,   characterized in that it includes the use of a platform (30) storing data and communicating with a server of a financial institution (40), and in that the following exchanges are carried out: mobile equipment (10) address to the platform (30) both data defining a product or service and both payment data; - the platform (30) communicates with the institution server   financial (40) for completion of the transaction.   11. Method according to the preceding claim, characterized in that the platform (30), after completion or refusal of the transaction,   indicates to the client (10) the status of this transaction.   12. Method according to the preceding claim, characterized in that the platform (30) questions the merchant (20) on the correct designation and / or the availability of the product, then communicates transaction data to the server of the financial institution (40) , then tells the client if the transaction is accomplished or not.   13. A mobile communication assembly comprising at least one mobile communication equipment (10) and a purchasing server (30) in communication with the mobile equipment (10), characterized in that the purchasing server (30) is programmed to perform a financial transaction and initiate delivery of a product or service in response to a single message sent by the mobile equipment (10) and containing both a product or service designation and both payment data sufficient for the transaction.   14. Assembly according to the preceding claim, characterized in that the mobile equipment (10) comprises a card of the type inserted into the mobile when the mobile is acquired by the user and used for authentication on the user's network , the card being moreover intended for the identification of a financial account and the authentication of the user of this financial account. 15. Assembly according to the preceding claim, characterized in that the card used for authenticating the user both on the network and for the payment also includes an application providing payment data and entering this payment data into a message to   send, in response to a corresponding user command.   16. The assembly of claim 13, characterized in that the mobile equipment (10) includes a bank card reader and an application to read this card and write in the message data   sufficient payment for payment by bank card.   17. Mobile communication equipment (10) comprising means for sending messages, characterized in that it includes a message production application for the remote purchase of a product or service, this application generating sufficient data for a payment and producing the same message in which it enters this payment data produced by it as well as designation data of   product or service entered by the user.