HU0500219A2 - implementation of the payment terminal, POS equipment, payment system and payment method - Google Patents

implementation of the payment terminal, POS equipment, payment system and payment method Download PDF

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Publication number
HU0500219A2
HU0500219A2 HU0500219A HU0500219A HU0500219A2 HU 0500219 A2 HU0500219 A2 HU 0500219A2 HU 0500219 A HU0500219 A HU 0500219A HU 0500219 A HU0500219 A HU 0500219A HU 0500219 A2 HU0500219 A2 HU 0500219A2
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HU
Hungary
Prior art keywords
payment
terminal
data
device
mobile phone
Prior art date
Application number
HU0500219A
Other languages
Hungarian (hu)
Inventor
Bogdan Pavlic
Matjaz Terpin
Aleksander Polutnik
Original Assignee
Ultra Proizvodnja Elektronskih Naprav D.O.O.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ultra Proizvodnja Elektronskih Naprav D.O.O. filed Critical Ultra Proizvodnja Elektronskih Naprav D.O.O.
Priority to PCT/IB2002/001223 priority Critical patent/WO2003088165A1/en
Publication of HU0500219A2 publication Critical patent/HU0500219A2/en

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices

Abstract

The present invention relates to a payment terminal apparatus (10) for exchanging payment data comprising interface means (19, 25) for coupling to a POS device (26), a mobile phone (14), and a payment center (1). Exchanging payment data for two different ways. In one case, starting from the payment terminal equipment (10), starting from the mobile telephone (14) and the mobile voice transmission network (5) to the licensing center (1) or from the opposite direction from the payment center (1) on the mobile voice transmission network (5) and the mobile phone (14) to the payment terminal equipment (10), and the payment data between the payment terminal equipment (10) and the mobile phone (14) is transmitted as voice information within the frequency range of the human speech. According to the second case, the data is directly from the payment terminal equipment (10), for example via the network (5) to the licensing center (1) and in the opposite direction from the payment center (1) via the network (5) (10). ). The present invention also relates to a POS device, a payment system, and a method for executing a payment transaction that includes a payment terminal device. HE

Description

COPIES

Payment terminal equipment,

POS EQUIPMENT, PAYMENT SYSTEM,

AND PROCEDURE FOR PAYMENT OF PAYMENT

The present invention relates to POS (Point Of Sale) equipment, such as vending machines, etc., for financial transaction data (authentication, authorization, and payment data). and a system for exchanging between a payment center or a licensing center (for authentication, an authorization, and a payment and clearing entity responsible for the transaction), and for a payment terminal equipment used in such a system. The invention also relates to a POS apparatus and a payment method.

Mobile telephony is a world-wide flower and provides many new applications in the field of data communication. One of the most promising new features is mobile payment, commonly referred to as "m-payment". Various m-payment solutions are available, most of which are based on WAP (Wireless Application Protocol) technology, which promises to deliver all the benefits of the Internet on mobile phones. Other solutions work by calling special pay terminals, either by an authorization center or by a subscriber or user. At the same time, in the non-Internet area, however, there are significant barriers to the rapid expansion of m-payment solutions, such as the costs of known pay terminals, on the one hand, in terms of their acquisition and, on the other hand, in their operation. This is due, inter alia, to the fact that each pay terminal has to include a rather sophisticated communication interface, all of which are currently in use and capable of being used for data communication between mobile telephony networks and between phones. must be compatible with this standard. In all known systems on the market, it is necessary to provide the mobile terminal with the mobile phone number (or some corresponding data) in some way, and this complicates the payment process. There were some solutions on the market that used the barcode on or near the phone to be read by the pay terminal and start the authorization process.

Therefore, it is our object to provide a pay terminal in the pay-as-you-go system capable of addressing the problems of various mobile phone standards regarding the connection of the mobile phone and the pay terminal.

You need to create a terminal that provides a very simple, fast and easy-to-use tool.

It is also desirable to provide a simple, fast and reliable system of minimum coupling and contact between the mobile terminal device and the pay terminal terminal.

• ··· * «

Our goals are achieved through the establishment of a payment terminal equipment, POS equipment, payment system, and payment method that meets the basic requirements.

Accordingly, we have created a terminal terminal for coupling to POS equipment, mobile phone and payment center. The pay terminal terminal comprises first and second interface devices and data processing means. The first interface means is for releasing the mobile telephone to the pay terminal terminal for coupling the data between the mobile telephone and the payer ter10. Data information may be voice or speech data information. The second interface device is used to connect the payment terminal equipment and the payment center for the transmission of data information between the payment terminal equipment and the payment center. The coupling between the payment terminal equipment and the payment center can be broken down.

The data processing device is coupled to the first and second interface devices for processing data received from the first and second interface device and for generating data sent to the first or second interface device.

The first interface device includes an interface device for coupling the interface device to the mo20 phone. The coupling device serves to transfer data between the mobile phone and the data processing device through the coupling device and the first interface device or in the opposite direction.

The second interface device makes it possible for the terminal equipment to contact the payment center itself, but also informs the POS equipment provider if, for example, maintenance is required. The second interface device also has the advantage that the number of direct contacts between the mobile phone and the terminal equipment can be minimized. The second interface device can be demountably connected to the payment center. In addition, the second interface device may include, for example, a wireless telecommunications modem, a wired telecommunication modem, such as a PSTN modem, an ISDN modem, a cable modem, or a GSM or UMTS modem for coupling to the respective networks, so that the second intermediate path between the payment terminal equipment and the payment center connect. The second interface device includes data transferred back and forth between the second interface device and the payment center, the device converting the data to be processed by the data processing device and the payment center.

The first interface device helps to enable the authorization process. It is not necessary to transfer all the authorization data to the first interface device, but it is only a part of it that simplifies the process for the user. One of the tasks of the first interface device is to assist the payment terminal device in determining the number or other identifier of the mobile phone and the number of the terminal equipment.

The second interface tool can be used to perform various tasks. One task may be to simplify the use of the terminal equipment. One problem with the system is that the user (or the user's mobile phone), the POS device located near the user's mobile phone, and the subject of the payment transaction are: · · · · · · ··· :. The sum of «a» must be identified. For example, the identification of a phone or a user can be accomplished by automatic caller number transfer, such as, for example, caller identification known from mobile phone calls, or by querying a subscriber identification module of a mobile phone. Identifying the user's phone can be done very easily or even automatically.

For example, the identification of the POS equipment can be accomplished by transferring the identification code of the terminal equipment to the payment center. Advantageously, identification can be carried out by means of a circular transfer, for example, from the payment center through the payment terminal equipment and the mobile telephone back to the payment center or in the opposite direction. Circular transmission can also be initiated from the pay terminal terminal or the mobile phone. Circular transmission can also be used to make sure that the mobile terminal 15 is located close to the pay terminal terminal or the POS equipment. Another task may be to minimize the communication time between the mobile phone and the payment center. Shorter communication times have several benefits. The shorter the communication time between the mobile phone and the terminal equipment, the fewer errors may occur during the transfer, the shorter the time the customer needs to push the mobile phone to the terminal of the pay terminal, and last but not least the lower the cost of the telecommunication. for the user. In accordance with the chosen design of the payment terminal equipment, the payment terminal equipment or the payment center initiates a connection between the payment center and the payment terminal equipment. Preferably, the data transmission between the mobile telephone and the terminal equipment is one-way data transmission. Standard procedures and space * · ·

only one data link is used between the mobile terminal device and the payment terminal equipment. This process includes the fact that the complete communication between the pay terminal terminal and the payment center can be observed by the user. In accordance with one embodiment of the present invention, the identification associated with the transmission may be performed via a different transmission channel than the payment request. This allows for a more secure and reliable payment transaction, since at least one connection between the pay terminal terminal and the payment center is not observable by the user. Another advantage of unidirectional data transfer is due to the fact that the distance between the loudspeaker and the microphone in different mobile phones is not fixed and may vary, for example, between 11 and 5 cm. Due to the unidirectional transmission between the mobile phone device and the pay terminal terminal, the adaptive structure that converts the distance between the microphone and the loudspeaker of the pay terminal terminal to the different types of mobile phones can be saved. Another advantage of unidirectional transmission is that the user is more likely to know the position of the speaker than the location of the microphone on the mobile phone device. A further advantage of unidirectional transmission is hygienic in which the end of the telephone is fitted to or placed in the pay terminal terminal that does not come into direct contact with the user's face.

Preferably, the first interface device comprises a modem. This modem is coupled to the interface device between the mobile phone and the data processing device to convert the data transmitted through the interface device and the first interface device. The modem can be used to optimize the data transfer between the data processing device and the mobile phone. This modem is still «« ♦ · ♦ · · · · · ···:

Ί can also be used to adapt the data to be transferred to the type of mobile phone used. The modem can be used to modulate the data according to the interface device.

Preferably, the data transferred between the modem and the mobile phone is audio data or acoustic data. A major advantage of this embodiment of the present invention is that the transfer of payment data between the mobile phone and the terminal equipment is carried out using voice data information in the human voice band, which is the only standard that all telephone manufacturers consider. Acoustic data transmission helps to greatly reduce the complexity of the communication interface within the pay terminal terminal and the associated costs, since the use of an acoustic coupler is a well-known data transfer method, and there is no need to worry about difficulties in implementing a terminal terminal device. Data information or speech information in the be15 voice band is a special form of useful or desirable information that is known to be transmitted and exchanged in the voice channel of mobile voice transmission networks.

The pay terminal according to the invention is a device for POS equipment, vending machine, etc. and for coupling to a payment center, and includes an interface means for coupling the pay terminal device to the mobile phone.

Regardless of the cost of a second interface, a simplified operation of the system and a simpler payment procedure are beneficial to the user. The second connection between the payment terminal equipment and the payment center has the advantage of saving a PIN or telephone number for authorization. In addition, the dialing procedure can be saved if the user authorizes shortened dialing of the payment center number. Even the amount of money can be saved if the terminal equipment uses a bidirectional interface to the POS device. In a bidirectional POS interface, the user can simply select the desired service or product on the POS device, press the shortened call button on the phone, grab the mobile phone to the pay terminal, and wait for the service or product to be delivered. This procedure also allows the terminal terminal to operate with one hand, both fast and simple. Preferably, the user may press a "use of a pay terminal terminal" on the POS device or on the payment terminal equipment. The connection to the payment center can be interrupted by the payment center, so the user does not have to make the phone yet. If desired, the process can be expanded by pressing additional "confirmation" buttons before the payment transaction.

Preferably, the coupling device has an acoustic coupler for transmitting audio data information in the form of acoustic signals between the mobile phone and the coupling device and in the opposite direction, i.e. the voice data information is transmitted directly as a voice or as a carrier of information in the frequency band of the human speech. The acoustic coupler allows you to attach the payment terminal equipment to any type of mobile phone currently in use, as well as to what is going to be used in the future without the need for different types of mobile phones • • ·· ·· · *** · · * • · ·. · ·.

• »· c fc« · · • * · 9 ···· · · * · »· · · · · · · · · bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen bármilyen The shape of the acoustic coupler should essentially allow the microphone of the mobile phone to fit the loudspeaker and vice versa in a manner that allows operation even in noisy conditions or environments.

The use of the acoustic coupler has the additional advantage that the data link between the mobile phone and the terminal equipment can be universal and can be used by any telephone, irrespective of connectors, the design used by the respective manufacturers, the corresponding interfaces and the like. Due to the small amount of data needed to transfer between the mobile phone and the terminal equipment, the relatively low data rate of the acoustic couplers is sufficient.

Preferably, the acoustic coupler has a microphone for coupling to the speaker of the mobile phone. The main advantage of this design is that the service provider's mobile phone is only connected to the payment center and the payment center can easily provide an anti-fraud system.

Preferably, the acoustic coupler has a loudspeaker for attachment to the microphone of the mobile phone. This design has the main advantage of providing the service provider with a mobile phone only in connection with the payment center and acting only as an intermediary station for some of the information used for identification.

Encrypted or unencrypted data that is transmitted on the mobile phone's voice channel can be easily applied to any mobile phone standard. The system can be used with analogue mobile phone systems, GSM, or UMTS or any other mobile phone systems that follow.

Data modulation can be either DTMF or any other data modulation that can be transmitted through the speech channel.

The two connections between the payment terminal device and the payment center allow for a very simple system architecture. In a very simple embodiment of the present invention, the pay terminal terminal only acts as an intermediary station between the mobile telephone and the payment center and between the mobile phone and the POS device. In the first step, the payment terminal equipment is used only to ensure that the mobile phone is located in the immediate vicinity of the POS equipment, while in the second step, the POS device transmits information such as the price of the selected product to the payment center, and in the final step, e.g. as a result of the entry, the payment is executed and the product is released.

Preferably, the distance between the microphone of the acoustic coupler and the loudspeaker can be adjusted so that the acoustic coupler can be adapted to different types of mobile phones.

In the preferred embodiments of the invention, there are a number of additional possibilities for coupling the terminal equipment to the mobile phone.

· ♦ ·

• ···

The first preferred coupling mode between the pay terminal device and the mobile phone is the wired option, wherein the coupling device has an electrical plug-in device for electrical connection to the connector of the mobile phone to exchange information or audio data information in the form of electrical signals with the mobile phone and the interface. device. The plug-in device may have a plurality of different plugs for connecting different types of plugs for different types of mobile phones. Connectors can be accessed, for example, with a tripod with automatic retractor, with several pull-out wires, similar to the solution used at gas stations.

Another preferred coupling mode between the pay terminal terminal and the mobile telephone is, as a second option, IR (infrared or infrared light) communication, where the interface device or interface device of the pay terminal comprises an IR interface for communicating with the corresponding IR interface of the mobile phone. in order to exchange information or voice data information in the form of infrared signals between the payment terminal device and the mobile telephone. This meg20 solution can be applied to all newer mobile phone models that have, for example, an IrDA interface. This feature allows for higher data rates and shorter transaction times.

Another advantageous option is the RF (Radio Frequency) Communication, where the coupling terminal device or interface device of the pay terminal comprises an RF interface for communication with the corresponding RF interface of the mobile phone, in order to provide information in the form of RF signals. or the voice data information is exchanged between the payment terminal device and the mobile phone. In this area, for example, Bluetooth and WLAN (Wireless Local NetWork) standards are known, but other RF communication protocols are also possible. The RF communication interface enables contactless transactions, which is more convenient for the user.

In a preferred embodiment, the pay terminal terminal has at least one communication processor with cryptographic capability to generate high security data or to establish such data communication to secure data encryption. Cryptographic and encryption capabilities can be of various types, such as DES, RSA, etc. In a bidirectional connection, the encryption capabilities of the pay terminal terminal can be minimized. In order to avoid abuse, both channels between the pay terminal terminal and the payment center - the direct connection and the mobile telephone connection - can be encrypted. The encryption can still be saved if a random key is transmitted through both connections to the terminal terminal.

The pay terminal according to the invention may comprise a data input device, for example at least one keyboard. The keyboard allows the user to select predefined services or to give the POS terminals an amount. The input device can be incorporated into the POS device to reduce the number of interactions required when using the terminal terminal equipment. Thus, in the case of a smart pay terminal device, the acoustic coupler can dial the number of the payment center as a single operation, such as DTMF (Dual Tone Multi Frequency) dialing followed by the transfer of the necessary payment associated with the transaction. The confirmation from the payment center to the pay terminal device or the POS equipment is then transferred to the release of the selected product.

The pay terminal terminal includes a printer or a built-in printer 10, for example, to print a receipt for a given payment transaction if the user so wishes.

The pay terminal terminal may have a display, for example, to show the user the various steps of the payment procedure, or to give him instructions on how to operate the payment terminal equipment. The terminal can be integrated into the POS equipment and can only be used from the pay terminal terminal if a telephone payment transaction is selected.

In addition, the terminal terminal equipment may include additional communication devices, such as a wireless telecommunication modem, a wired telecommunication modem, such as a PSTN modem, an ISDN modem, a cable modem, or a GSM modem for connection to the appropriate network, in order to provide maintenance services, etc. should be possible.

Preferably, the terminal equipment comprises an interface to at least one POS device. A single pay terminal terminal can be used with a number of vending machines or the like to reduce the number of terminals required for rarely used POS equipment.

According to another aspect of the present invention, a POS device, such as a vending machine, equipped with a built-in payment terminal device as described above has been designed. This has the main advantage of saving the interface facing the vending machine. Secondly, it is also preferred that the built-in payment terminal equipment be better protected against damage and vandalism. A further advantage is that modern vending machines and POS equipment are connected to electrical power supply. This can save the separate power supply of the pay terminal terminal and can be used to connect the telecommunication connection or the second telecommunication interface during installation.

The pay terminal terminal may be further connected to other computer systems, such as a POS computer system or payment protocol server, user behavior database, maintenance server, or other similar computer systems.

There are a number of applications that can be implemented using the pay terminal equipment or POS equipment of the present invention. The invention can be used, for example, in the case of vending machines for various products, such as beverages, food, cigarettes, magazines, condoms, and the like. In addition, public self-service units serving as POS units, ···· · · · ····

for example, refueling stations, photocopiers, internet access points, car washes, laundries, music machines, car rentals, etc. the pay terminal equipment of the invention may also be used. The invention can also be used with various ticket offices such as bus tickets, trains, movie tickets, etc. sales offices. For various stores, pay permission and payment execution systems (EFTPOS), online shops, television sales, and other business activities that involve traditional billing methods such as credit cards, bank notes, cash, etc. Used to use the system or pay terminal equipment of the invention.

Payment-related licensing and payment execution have the additional advantage that, for example, cigarette machines or beverage vending machines can use the pay terminal equipment of the invention to perform age verification 15 that meets youth protection regulations. The vending machine interface can support industry-specific standards such as MDB or operate in the same way as its original protocol for specific devices such as electronic cash registers, parking meters, taxis, etc. can be used for joining.

Further preferred embodiments of the invention are described in the dependent claims.

Further advantages, preferred embodiments, and other embodiments of the invention will now be described with reference to the accompanying drawings. In the drawing, the · · ··

Figure 1 is a schematic diagram of a terminal terminal system according to a preferred embodiment of the invention; and a

Figure 2 is a schematic diagram of a system with a payment terminal apparatus according to another embodiment of the present invention.

Figure 1 shows an embodiment of the system according to the invention, comprising a payment center 1 or an authorization center 1, a mobile voice transmission network 5, or a mobile telephone network 5, such as a GSM 5 network, 14 mobile phones, and 10 pay terminal terminals 14, which is a user 14 connected to your mobile phone and connected to POS equipment 26 via data communication 13. The payment center 1 (which is responsible for the identification, authorization and transactional payment and settlement processes) is similar to that used for credit card authorizations and can be connected to other financial information systems, such as a bank, via a data communication link.

The payment center 1 includes a communication interface, a subscriber database, and a transaction interface. The communication interface is used to connect the payment center 1 to the mobile voice transmission network 5. The subscriber database stores data for each user, for example, at least the phone number, the associated PIN code, and the agreed payment method (e.g., by credit card, bank account, etc.) assigned to each user, and optionally a comprehensive CRM, i.e. the case17 stores all the information about the purchases of the parties and thus provides personalized services, advertising, etc., and optionally also stores the secret code of the users. The transaction interface is connected to another financial information system by means of a particular communication link 6. A transaction interface can be connected to the communication interface by means of a bidirectional data link. In addition, a subscriber database can be connected to the transaction interface and the communication interface via a data communication line.

The terminal 10 apparatus comprises data processing means 11 and a single or two-way data communication line 23 or data bus, such as serial or parallel data link, connected to a data processing device, and using an interface device 19 attached to the mobile phone 14 as a voice carrier. The data processing device 11 is based on a microcomputer system or communication processor, and is also coupled to a POS device or a requesting output device or POS unit or vending machine, i.e. a POS device 26 or similar device, by means of a data communication link 13 or a signal line.

The interface terminal device 19 of the pay terminal 10 comprises a modem 12 and an interface device 20 coupled to the mobile phone 14 of the modem 12. The coupler 20 may use an acoustic coupling or acoustic coupler that uses 17 microphones to receive information using the carrier voice 20 of the adapter.

14 loudspeakers 16 of mobile phones attached to or attached to an acoustic coupler.

The user must have 14 mobile phones to use the system according to the invention, and the user has to create an account (account) only in the payment center 1. Preferably, the amount may be charged to a telephone bill or prepaid account. Creating an account is basically a contract between the user and the payment center 1 in which both parties define the parameters of their cooperation. Parameters include one or more mobile phone numbers, such as SIM card number, payment method, such as money transfer, credit card, etc., optionally additional features that enhance security for both parties, such as transaction limits, security or identification codes, etc., and optionally additional features that provide greater flexibility for the user, such as multiple accounts, etc. The user may change the parameters of the contract stored in the payment center 1 subscriber database through the payment support center's user support services via Internet services, WAP and similar services. The Licensing Center 1 may, at the request of the user or within the framework of its business policy, assign a unique identification code to each user to prevent the user's mobile phone number from being disclosed to other Participants and to protect the user's confidential information when using it. a system according to the invention.

• · ♦

In the following, a typical payment method is used in addition to the use of the system according to the invention shown in Figure 1.

In the first step, the user decides to buy at a cash desk or equipment utilizing the pay terminal 10. The user uses his mobile phone 14 to make 28 calls through the mobile voice transmission network 5 to the payment center.

In the second step, the payment center 1 determines whether the caller is a registered user of the system by means of the caller identity. If the verification fails, the payment center 1 interrupts the connection with the user or the mobile 28 call.

In the case of a successful check in accordance with the previous paragraph, the user is asked to enter his security or identification code if the account identifier in the subscriber database requires user identification. The user enters the code using the keyboard of the 14 mobile phones. In the next step, the payment center 1 checks and compares the security or identification code received from the mobile phone 14 via the mobile voice transmission network 5 with the security or identification code stored in the subscriber database. If the identification fails (i.e., the code entered does not match the code in the subscriber database), the payment center 1 interrupts the connection. If the identification is successful, the payment center 1 instructs the user to place his mobile phone 14 on the acoustic interface of the coupling device 20 of the pay terminal 10. For example, the terminal 10 equipment for displaying a display device

for example, how to place the mobile phone 14 on the acoustic interface.

In the next step, the payment center 1 transmits the necessary transaction data or payment data in the 30 direction through the voice channel generated by the mobile phone 14 to the terminal terminal 10. Transaction data may be encrypted by means of an encryption capability implemented by an all data processing device on the side of the terminal 10 equipment or in the communication interface in the payment center 1. The data processing device 11 controls the receipt of transaction data on the side of the terminal 10 equipment.

In the next step, the payment 1 control panel checks whether the transaction data complies with the user account requirements (transaction limits, etc.) and approves or rejects the transaction from the second direct exchange between the payment center 1 and the pay terminal 10 connection. If the payment center 1 has approved the transaction, then the pay terminal 10 sends a signal or data generated by the data processing device 11 via the data communication link 13 to the output device 26, POS machine, vending machine, etc. it issues the paid goods or approves the service provided by these units, or indicates a visible approval if the sales staff is done by the sales staff.

In conclusion, the pay terminal 10 comprises only one microphone 18. The microphone 18 is used to receive a transaction code from the payment center 1. The code is used to pair the data of the pay terminal 10 and the user data collected from the mobile phone 14. Identification and payment authorization take place through an additional communication interface device 25, preferably wireless, such as GPRS or UMTS, or via a wired line, such as ISDN, PSTN, or the like. The pay terminal 10 includes means for connecting to POS equipment, vending machines, electronic cash registers, or other similar devices requiring a payment authorization.

The payment is initiated by the user's 14 mobile phone, creating 28 calls to the payment center 1. Once the identity and the payment device have been selected, the user is instructed to place the loudspeaker 16 (usually the upper part of the handset) of the mobile phone 14 on the microphone 18 of the terminal 10 (the latter may even be marked with a drawing). At the same time, the control panel 1 starts transmitting transaction data, which may optionally be random (and may also serve encryption or digital signature purposes). Once the payload terminal 10 receives valid data, it connects to the control panel 1 via the second communication interface device 25, sending transaction data for confirmation. At this point, the control panel 1 stops sending data via the mobile phone 14 and initiates payment authorization via the second direct connection 32 via the communication channel.

Figure 2 is a schematic diagram of a system with pay terminal 10 according to another embodiment of the invention. The embodiment shown in FIG.

the same as shown in Figure 1. As in Figure 1, the interface device 19 of the terminal 10 comprises a modem 12 coupled with a modem 12 and a modem 12 for the mobile phone 14. In this case, the modem 12 cooperates with a loudspeaker 17 of an acoustic coupler. Compared to FIG. 1, there is a difference in the use of an acoustic coupler or acoustic coupler 17 in the coupling device 20 to transmit information to the microphone 15 of the mobile phone 14 fitted or fixed to the acoustic coupler of the coupling device 20 using a carrier sound. That is, the pay terminal 10 comprises only the speaker 17 instead of the microphone 18. This "inverse" design merely results in the reversal of the direction of unidirectional data transmission between the speaker 17 of the terminal terminal 10 and the microphone 15 of the mobile phone 14, and of course the direction of transmission from the mobile phone 14 to the payment center 1. The speaker 17 would be used to send a very similar transaction code from the pay terminal 10 to the payment center 1, which would connect the data of the pay terminal 10 to the user's event data (session data). However, in addition to such a design, the user (for example, by pressing a button) could replace the data through the speaker 17, and of course the microphone 15 of the mobile phone 14 (which can vary significantly from the mobile phone type to the mobile phone type and is not checked). close to the 17 speakers. This can also be done, for example, by the proximity sensor in the pay terminal 10. Reference numbers not mentioned in connection with the description of Figure 2 refer to the same elements as in the description of Figure 1.

• J • · · ·

It should also be mentioned that, in order to protect against fraud, the pay terminal 10 may be able to select arbitrarily the direction of communication between the pay terminal 10 and the mobile phone 14 in order to further increase security. It should also be noted that in the present invention there is no need to change the mobile phones 14 in any way, and there is no need for the use of the invention in addition to voice transmission. The only prerequisite for a solution without a personal identification number (PIN) is the ability of the 14 mobile phones or the mobile phone 5 network to identify the network.

It should also be noted that the term "modem" as used herein is used to describe electronic devices that act as modulators or demodulators only as modulators and as demodulators only. We chose the modem term because it allows the two embodiments shown in the two figures to be described by a single description and a single set of claims. Devices employing only a modulator or demodulator in the pay terminal 10 are within the scope of the claims.

This application describes the embodiments and embodiments of the present invention by way of examples. As will be appreciated by those skilled in the art, the present invention is not limited to the details of the embodiments described above, and the invention may be embodied in other forms without departing from the features of the present invention. The above-described embodiments are to be construed as illustrative, not restrictive. Thus, possible embodiments and uses of the invention are limited only by the appended claims. Accordingly, various embodiments of the present invention, as defined by the claims, having regard to equivalent features, are also within the scope of the present invention.

Claims (2)

    Claims
  1. Figure 1 * * '«*
    4- «4 Á-4 -u« * ρ 05002 19
    2/2, γ γ.,,.
    X.
    Paying Terminal -> 25 11 THE. 19 12 I 1 1 1 1 h ι ι 1 1 ι 1 I 1 I 1 1 1 1 1 1 1 hh
    · ». 1..X.
    Paying Terminal y * IA - 25 11 THE- 19 12
    1/2
    Λ; Tric γ
    1. Payment terminal equipment for coupling to POS equipment (26), mobile phone (14) and payment center (1), and payment terminal equipment (10) ~ for mobile terminal (14) for payment terminal equipment (10) includes a first interface device (19) for transmitting data between the mobile telephone (14) and the pay terminal terminal (10) for coupling it to one another for coupling the payment terminal equipment (10) and the payment center (1) comprising a second interface device (25) transmitting data information between the payment terminal device (10) and the payment center (1), and ~ a first and second interface attached to the first and second interface devices (19, 25) a data processing device (11) generating data received from the device (19, 25) and transmitting the data to the first and / or second interface device (19, 25); a first interface device (19) is an interface device for transmitting data between the mobile phone (14) and the data processing device (11) through the first interface device (19) to the first interface device (19) via the first interface device (19) (20) includes a first interface device (19) for converting data coupled to the coupling device (20) between the mobile phone (14) and the data processing device (11) via the first interface device (19) includes a modem (12), ~ the data transmitted between the data processing device (11) and the mobile phone (14) via the modem (12) is transferred between the modem (12) and the mobile phone (14) as audio data or acoustic data, and ~ which second interface device (25) converts data transferred back and forth between the second interface device (25) and the payment center (1) into data that can be processed by the data processing device (11) and the payment center (1) device.
    Payment terminal equipment according to claim 1, characterized in that the data transmission between the mobile telephone (14) and the payment terminal equipment (10) is a one-way data transmission.
    Payment terminal device according to claim 1 or 2, characterized in that the coupling device (20) has an acoustic coupler for transmitting voice data or acoustic data between the mobile telephone (14) and the terminal (10).
    The pay terminal terminal of claim 3, wherein the acoustic coupler has a microphone (18) for coupling to a loudspeaker (16) of the mobile phone (14).
    • · · · · · · · · · · · · · · · · * *
    A pay terminal terminal according to claim 3, characterized in that the acoustic coupler has a loudspeaker (17) for coupling to a microphone (15) of the mobile telephone (14).
    Payment terminal device according to claim 4 or 5, characterized in that the distance between the microphone (18) and the loudspeaker (17) can be adapted to adapt the acoustic coupler to different types of mobile phones (14).
    7. The payment terminal apparatus according to any one of claims 1 to 4, characterized in that the data processing device (11) comprises at least one communication processor having cryptographic capability.
    8. Referring to Figures 1-7. A pay terminal according to any one of claims 1 to 3, characterized in that it comprises an input device.
    A pay terminal according to claim 8, characterized in that the data input device comprises at least one keypad.
    10. References 1-9. A pay terminal according to any one of claims 1 to 3, characterized in that it comprises a printer.
    11. Referring to Figs. A pay terminal according to any one of claims 1 to 3, characterized in that it comprises a display.
    12. Payment terminal equipment according to any one of claims 1 to 3, characterized in that it comprises an interface to a vending machine.
    · * - ♦
    13. POS equipment, in particular a vending machine, according to claims 1-12. An integrated payment terminal apparatus (10) according to any one of claims 1 to 3.
    14. A payment system comprising payment terminal equipment (10), POS equipment (26), payment center (1), mobile phone (14) and cellular mobile telephone network (5);
    a mobile telephone (14) connected to the payment center (1) via the cellular mobile telephone network (5);
    the payment center (1) and the pay terminal terminal (10) are connected via a second direct link (32); and data is transmitted between voice terminal equipment (10) and the mobile phone (14) as audio data or acoustic data.
    A method for executing a payment transaction using a pay system 20 according to the present invention, comprising:
    connecting a mobile phone (14) to a payment center (1) via a mobile voice transmission network (5);
    * · »·« 4 ~ we identify the user at the payment center (1) using the identity of the caller to determine and decide if the caller is a registered user of the system;
    Placing the acoustic coupler (20) of the terminal device (10) of the mobile phone (14);
    ~ transmitting the necessary transaction data or payment data from the payment center (1) to the voice channel (10) set up by the mobile telephone (14) on the voice channel; then verify that the transaction data complies with the user account specifications at the payment center (1) and approve or reject the transaction via the second direct link (32) between the payment center (1) and the pay terminal (10) .
    ··· ·· · · · · · · · · · · · ·
    Ρ0500219
  2. Figure 2
HU0500219A 2002-04-16 2002-04-16 implementation of the payment terminal, POS equipment, payment system and payment method HU0500219A2 (en)

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CN1293521C (en) 2007-01-03
AU2002253450B2 (en) 2007-01-25
CN1625760A (en) 2005-06-08
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KR20040104536A (en) 2004-12-10
EP1495454B1 (en) 2014-12-17

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