GB2616633A

GB2616633A - Payment card terminal

Info

Publication number: GB2616633A
Application number: GB2203580.2A
Authority: GB
Inventors: Nash Curtis
Original assignee: Paytia Ltd
Current assignee: Paytia Ltd
Priority date: 2022-03-15
Filing date: 2022-03-15
Publication date: 2023-09-20
Also published as: GB202203580D0

Abstract

A payment card terminal 1 in conjunction with a merchant telephone 3 is used for a card-not-present transaction. The terminal has a port 7 for connection to a telecommunication system suitable for communicating payment data to a financial organisation 9. The terminal also has ports 2,4 for connection to a telephone system at which card data is received. The card data is preferably entered by the customer via the keypad 61 of their telephone 6 as DTMF tones during a telephone call with the merchant. The terminal has a data processor programmed to allow the merchant to request card details, possibly by voice synthesisation. In another embodiment, the telephone call is routed through a server (102, fig 3) which has a telecommunication port (104, fig 3) for communicating with the financial organisation and telephone ports (105, fig 3) for the customer and the merchant telephones (107,106, fig 3).

Description

PAYMENT CARD TERMINAL

The present invention relates to a payment card terminal system or apparatus.

Payment card terminals are used where a customer is present, with the card being swiped or otherwise read directly. The card details are passed to a financial institution and if authorised a transaction can be completed. with a trader being paid via the institution and the enstomefteard.-holder receiving the goods or services being bought.

No card-holder present" transactions are possible with the customer giving the card details over the telephone. These transactions are inherently less sectire in that the trader or operator of the terminal is able to keep a potentially fraudulent copy of the card details.

The object of the present invention is to provide an improved payment card terminal adapted to communicate (directly or indirectly) with a customers (mobile or Irmdline) telephone, e.g. viavvlrich the customer inputs card details_ According to a first (direct communication) aspect of the invention there is provided a payment card terminal (e.g. to be used to take payment for an order or to issue a refund) in conjunction with a telephone (such as by which the trader can receive an order from a customer), the terminal comprising one or more of the following: * a port for connection to a telecommunicationsystem suitably' for directly communicating payment data to a. financial organisation.

* a port for connection to a, telephone system, suitably for r ceivingmotels ent red payment card data, suitably from a customer via a customer's telephone, * a data processor programmed: * either to allow the trader to request card details from the customer, suitably to be entered a telephone key pad of the customer's.

* or to request by voice svnthetisation card details front the customer, suitably to be entered via a telephone key pad of die customer's telephone, * suitably to receive the details (e.g. as keyed data), and * preferably, to pass the card details, (together with trader and current trade details) to the financial organisation (and suitably receive trade authorisation).

The terminal can be a wireless or hard-wired individual device (as used by an individual trader/operator) e.g. for single transactions at one time and/or a computer terminal (arranged to handle multiple traiisactions by multiple operators of the trader, suitably at any one time). in the case of a terminal for individual use it may have a third port (for connection of the trader's telephone to it).

Alternatively or in addition the terminal can have the trader's -telephone built into it. In either the case of an individual terminal and/or a multiple operator computer terminal" the request to enter the card details can be made by the operator and or a voice smithetisation.

For such request can be made after the operator has entered the customer's order total to be paid or the amount to be refunded, the terminal can be programmed to interrupt the operator's voice communication (with the customer) , suitably for receipt of the customer's card data (either only after the operator has made the requisite request, preferably at a prompt from the terminal), andlor after the order total has been entered (whereupon the terminal makes the request). The terminal can be equipped with a physical key and/or be programmed to recognise an input sianal, e.g. to initiate receipt of data.

For this, the terminal may have a switch, suitably for switching voice communication from the operator (to the data receipt) from the customer's telephone and possibly synthesised voice transmission to the customer.

The terminal will normally be programmed for receipt of all of the customer's card number, expiry date and security code as input to the customer's telephone key pad or for only some of these to be input by the customer. Further it can be envisaged that the customer could input the order total welt In this case, the operator could be prompted to cater the same amount as a double check or at least to verify that the customer has entered the correct amount.

Accord ng to a. second, (indirect communication) aspect of the invention there is provided a payment card terminal and server combination, suitably to be used by a trader in conjunction with a telephone., such as by which the trader can receive an order/refund from a customer, the terminal and server combination comprising one or more of the following: = a terminal per se, suitably installed in use or present at a trader's premises; a. server per se, suitably installed in use remotely fron the terminal; = a port in the terminal (e.g. for communicating payment data to and from a. financial organisation via. the server); a port in the server (e.g. for communicating payment data from the financial organisation to the terminal and vice versa); ^ a trader telephone port in the serve: (es: for trader customer telephone communication); = a customer telephone port in the server for trader / customer telephone communication and/or for receiving remotely entered payment card data (e.g. from a customer via a customers telephone): = a data processor in the server programmed: either to allow the trader to request via the telephone ports card details horn I customer, to be entered via a telephone key pad of the customer's, ^ or to request by voice synthetisation card details from the customsr, be er iered via a telephone key pad of the customer's telephone, = suitably to receive the details as keyed data; and * suitably to pass the card details. -together with trader and current trade details from the terminal to the financial organisation and receive trade authorisation to be passed back to the terminal via the respective terminal and server ports.

The respective terminal and server ports can be telecommunications ports for wr red, wireless or other forms of communication.

The telephone ports can be land line ports and%or wireless dongles.

To help understanding of the invention, two specific embodiments thereof v.11 now be &seri bi,d by way of exanmie and with relbrence to the acccHlIpanynig drawings: w w ch: Figure I is a block diagram of a payment card terminal of the invention connected for use and Figure 2 is a more detailed block diagram of the main components of the terminal and Figure 3 is a block diagram similar to Figure I of a payment card terminal and server combination of the invention connected for use; Figures 4a -c show a telephone payment system of the invention and the steps lved a a payment or transaction; Figures 5a and b show the stages on the transaction: Figure 6 shows the lines of communication in a terminal of Referring to Figures 1 and 2 of the drawings, a card terminal I has ports for connection as fol losv = A telephone port 2 far connection of a trader or merchant's telephone hand set 3: -A telephone port 4 fir connection to an outside voice line 5 for voice communicationith a customer's telephone hand set 6 (installed remotely); = A port 7 for telecommunication with a data line or link 8 to a financial institution 9.

The terminal has a switch 10 for normally connecting ports 2 Be 4 and interrupting this communication at specific points in a transaction.

A conventional card terminal does not have ports 2 & 4. At the stage in a. transaction that a customer's card details are to be entered in the terminal to be passed to the financial institution.. these details are entered by the merchant in the case of the customer not being present or by swiping or card contact in the case of the customer being present.

The terminal 1 of the intention is programmed to receive the details from the customer telephone hand set 6.

In more detail., the terminal is programmed to allow use in the following manner: 1. The customer calls the tinder via the handsets 3 & 6 for vi CC versa). The trader is able. to take the call by virtue of the switch being normally closed; 2 The conversation between the customer and the trader continues to the point when the customer has placed his order and the trader inputs the cost into the terminal which receives it in the nortnal manner. The terminal prompts the trader to enter the secure card capture mode, 3_ The trader then informs the customer that they will be asked to enter his/her card number via his/her telephone key pad 61. Once the trader has made the request, he/she presses a key on the terminal to start the capture process. Ibis action causes: 3.1. the switch 10 to be opened, whereby he is no longer in v=oice communication with the customer, 3.2. the terminal's key pad 12 to be disconnected by a ganged switch 14 and replaced as a card data input by an interface I adapted to receive WIT tones from the key pad 61 and pass them as appropriately formatted data to the processor 16 of the terminal. The card number is passed from the processor to the financial institution to the via the port 7 and line 8. This passage is conventional. The redacted/masked card number is displayed on a display 17 of the terminal, with certain digits blank so that it cannot be fraudulently copied, indicating the trader can continue with transaction, 3.3. the switch 10 to be reclosed after a delay; 4. The service provider prompts the card holder to also provide their expiry date using they telephony keypad masked values representing the information the card holder has entered is shown on the terminal screen; 5. Steps equivalent to 3.1., 3.2. & 3 3 2. are now performed for the seem code with the masked values representing the information the card holder has entered being shown on the terminal screen. And stored with the service provider to be passed to the -financial institution; 6. Once all data has been collected it is sent from the service provider to the payment institution for processing; 7. On confirmation that the transaction has been paid for, by issue of an authorisation, scc audio mode is disconneetet. aril the trader can then speak again to the customer giving an expected delivery date for instance.

For "customer present" operation, the temlinal is provided with a card reader 19.

In a variant the special 'Customer not present secure mode' can be dispensed with by programming the terminal to open the switch automatically. after a suitable delay from the trader keying the transaction amount or display of a request prompt. the delay being of appropriate length for the trader to make the request.

In a further variant, the fiinction of the special 'Customer not present secure mode' is augmented with a voice nthetisation module 18 in the terminal, programmed to make the requests of the customer instead of the trader. In this variant the trader is reconnected to the customer only after payment authorisation receipt. Indeed the voice module can notify the customer of authorisation and advise the final formalities of the purchase.

Referring now to Figure 3, a card terminal 101 and server 102 combination are shown.

practice multiple card terminals would be served by one remote beryer. This description is of one 10 15 20 25 30 35 40 terminal only; the others would be similarly a.Eranged and connected. Both ri n and server have internet ports 103,104.

Additionally, the remote server has multiple telephone ports 1 05, in particular an exemplar trader telephone port 1 051 and an exemplary customer telephone port 1052, with an exemplary trader telephone 1 06 connected to port 1051 and an exemplary customer telephone 107 connected to port 1052. The trader's telephone 106 and the card terminal 10 1 are both operated by one and the same trader. Additional traders' telephones and terminals are indicted, up to and including 106n and 101n.

In use the remote server is able to communicate via the internet 108 with a payment service provider's server 109.

In use a customer calls the trader from his telephone 107. The call is routed by non-shown exchanges to the remote server 102. 'This routes the call on to the trader's telephone 106. The means for this will be known to the skilled reader and will not described. Once the customer's order has been taken, the trader activates the terminal's "customer not present" mode and the sum of money due is entered in the terminal 101. This is online and communicates with the remote server, which caches the sum of ITIOTIC} due. 'The remote server controls the terminal. to prompt the trader for the customer's card number. After a suitable delay the server temp.rarity disconnects the trader's telephone and receives the tones representing the card number from the customer. The number is cached for the transaction and sent by the internet, to the terminal as a number of blank digits Wowed by a minority of actual digits, whereby the trader can see that card number has been received.

This 'routine is repeated,Cor the rieremity code and the expiry date, neither of which e displayed as such, although their receipt is notified to the terminal, Once all the cached data is collected, it is sent to the payment service provider and the trade is either authorised or not. This result is passed back by the remote server to the trader via the terminal and the customer is notified.

In Figure 6 the steps shown are: 1. Customer calls the merchants Paytia telephone number.

2. Paytia calls the merchants on site contact telephone number (landline or mobile) 3.

Paytia connects both calls together into a single call. 4. When a payment is to be taken. The merchant activates customer not present transaction mode and enters the payment amount to be collected. The payment terminal enters receive mode and is ready to collect the customers (PAN) full card number. This tells Paytia over a data connection/API call to expect DTMF tones representing the card number on the customers call leg. 5. Paytia receive the card number by DTMF tones. 6. The merchant device is updated to say card number has been received. 7. The merchant terminal displays for the merchant to tell the customer to enter their security code (CVV2) using their telephone keypad. 8. Paytia is ready to accept the customer DTMF tones representing the card security code. 9. Paytia receives the card security code and signals the payment terminal that this is completed.

10. The merchant terminal displays for the merchant to tell the customer to enter their card expiry date using their telephone keypad. 11. Paytia is ready to accept the customer DTMF tones representing the card expiry date. 12. Paytia receives the card expiry date and signals the payment terminal that this is completed. 13. Paytia collects the amount entered, the PAN, CVV2 and expiry date and send the information to the Payment Service Provider for authorisation. 14. The payment service provider issues an authorisation or reject code to Paytia. 15. Paytia send the auth or reject code to the payment terminal. 16. Payment is completed or if reject can be retried.

The invention is not restricted to the details of the above described embodiments. For in as just described,. the terminal is wirelessly connected to the server. it could be connected by wire.

Claims

CLAIMSA payment card terminal (e.g. to be used to order or issue a refund) in co njunc flop with a telephone (suc z as which a trader can receive an order from a customer), the terminal comprising: * a port for connection to a telecommunicationesuitably_ for diroctl, payment data to a financial organisation, * a port for connection to a telephone system, suitably for receiving remotely payment card data, such as from a customer via a. customer's telephone, a data processor programmed: * either to allow the trader to request card details from the customer, suitably-to be entered via a telephone key pad of the customer's, * or to request (suitably by voice syndic:Ili:sat-ion) card details from the c tomer, suitably to be entered via a telephone key pad of the customer's telephone, to receive the details (e.g. as keyed data), and * preferably, to pass the card details (together with trader and current trade details) to the financial organisation (and suitably receive trade authorisation).
2. A terminal according to claim 1 which is a wireless or hard-wired individual device (as used by an individual trader/operator) suitably for single transactions at one time and/or a computer terminal (arranged to handle multiple transactions by multiple operators of the trader, suitably at any one time.
3. A terminal according to claim I or 2 (for individual use) comprising a third port (suitably for connection of the trader's telephone to it) and/or (e.g. the trader's) telephone (built into it), suitably so that the request to enter the card details can be made by the operator and/or a voice symbetisation.
4. A terminal can according to any ceding claim which is he programmed to interrupt the operator's voice communication (with the customer) for, or before, receipt of the customer's card data (e.g. either only after the operator has made the requisite request, preferably at a prompt from the terminal), or after the order total or card details has/have been entered; whereupon the terminal can make the request.
5. A terminal according to any preceding claim equipped with a physical key or is programmed to recognise an input signal to initiate receipt of data, such as a. switch for syvitching voice communication from die operator to the data receipt from the customers telephone (and preferably synthesised voice transmission to the customer).
6. The terminal according to any preceding claim programmed for receipt of all or some of of the customer's card number, expiry date and/or security code (such as input to the customer's telephone key pad, or for only some of these to be input by the customer.
The terminal according to any preceding claim adapted to allow the customer to input the order total and/or prompt operator to enter the same amount as a double check, -ast to verify that the customer A payment card terminal and server combination, suitabiy to be used by a trader in conjunction with a telephone by which the trader can receive an order from a customer, or issue a refund, the terminal and server combination comprising: ^ terminal per se suitably present at or installed in use at a trader's premise * a server per suitably present at or installed in use 'remotely from the terminal; * a port in the teminal (suitably for communicating payment data to and from a financial organisation via the server); a port in the server (suitably for communicating payment data from the financial organisation to the terminal and vice versa); ^ a trader telephone port in the server (suimbly for trader / customer telephone communication)r * a customer telephone port in the server (suitably for trader / customer telephone communication and/or for receiving remotely entered payment card data, e.g. from a customer via a customers telephone); ^ a data processor in the server programmed: either to allow the trader to request via the telephone ports card details from the customer, e.g. to be entered via a telephone key pad of the customer's..
* or to request by voice synthetisation card details from the customer, ii.g.to be entered via a telephone key pad of the customer's telephone, * suitably to receive the details as keyed data; and s suitably to pass the card details, together with trader and current trade details from the terminal to the financial organisation and receive trade authorisation to be passed back to the terminal respective terminal and SiTVer ports.
9 A terminal according to claim 8 where the server ports can be telecommunications ports aired, wireless or other forms of communication.

10,, A terminal according tc claim 9 wherein the telephone ports are land line ports and/or vvireless donules.