JP5946441B2 - 動作方法、モバイル装置及びposシステム - Google Patents
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Description
顧客及び商人の間の支払取引を完了させるためのモバイル装置の動作方法であって、前記商人は取引プロセスを開始するために商人支払認証要求メッセージを取引管理システムに送信し、当該動作方法は、
販売場所で前記顧客に提示されているチェックアウトトークンを前記モバイル装置が取得するステップと、
前記チェックアウトトークンから取得した情報を前記取引管理システムへ送信するステップと、
前記支払取引に関連する情報を前記取引管理システムから受信するステップと、
前記支払取引を完了させるのに使用する選択された支払アカウントを示す情報が含まれている顧客支払認証要求メッセージを前記取引管理システムに送信するステップと
を有する動作方法である。
本発明による実施の形態は、顧客が自身のモバイル装置を用いて店頭で購買処理を実行できるようにする。以下、様々なプロセス及び取引の流れが説明される。これらのプロセス及び取引の流れの説明の便宜を図るため、2人の例示的なユーザが導入される。具体例は、幾つかの実施の形態の特徴を説明するため、及び本発明の所定の特徴の説明を促す。これらの具体例は限定を意図しているのではなく単に説明の便宜を図っているに過ぎない。
図1を参照しながら本発明の実施の形態の特徴を説明する。図1は実施の形態に関するシステム100のブロック図である。図示されているように、支払アカウント所有者、購入者又は他のユーザ又はオペレータ(以下、「顧客(customer)」と言及する)は、モバイル装置102(例えば、移動電話機等)を所有又は使用する。モバイル装置102は表示画面136及びデータ入力装置138(例えば、キーボード又は接触感知式の画面(タッチスクリーン)等)を有する。本発明の実施の形態において、顧客は、モバイル装置102を用いて商人108との購入取引を行う。商人108は物理的な店舗又は装置でもよいし、電子商取引の商人又は商人の機能を発揮する要素でもよいし、或いはメールオーダー及び電話(mail order and telephone:MOTO)の商人(又は他の人、エンティティ又は機能要素或いは装置等)でもよい。
図2を参照しながら、本発明の実施の形態によるシステム例の更なる詳細を説明する。図2は、モバイル装置202、商人208、取引管理システム230及び支払処理システム232の間の通信経路を示した例示的な支払システムネットワークのブロック図を示す。モバイル装置202は例えば移動電話、PDA、パーソナルコンピュータ等であってもよい。例えば、モバイル装置202はアップル社のアイフォン(iPhone)(登録商標)、RIM社のブラックベリー(BlackBerry)、グーグルアンドロイドオペレーティングシステムを用いる移動電話等である。実施の形態に関し、モバイル装置202は支払アプリケーションを動作させ、モバイル装置202が本願で説明される支払装置として動作できるようにする。実施の形態において、モバイル装置202はウェブコンテンツにアクセスして表示することが可能であり或いはインターネットにアクセスすることができ、モバイル装置202を動作させる顧客が、取引を開始するようにウェブインターフェースを通じて取引管理システム230とやり取りできるようにする。
として表現されている)とすることが可能である。モバイル装置202はセルラ又はその他の無線ネットワークを通じて、ゲートウェイ216を通じて、そしてネットワーク214(例えば、インターネット又は他の公の若しくは私的なネットワーク等)を通じて通信を行う。アクセスポイント218のようなアクセスポイントが、ネットワーク214に対するデータ及びその他の通信アクセスを促すように設けられてもよい。アクセスポイント218は、例えば、802.11g(又はその他の)通信標準規格に準拠していてもよい。例えば、モバイル装置202が本発明による支払装置として機能できるようにする支払アプリケーションをモバイル装置202が動作させている実施の形態では、支払アプリケーションはネットワーク201から取引管理システム230へのデータの通信を引き起こす又は制御する。
実施の形態に関し、顧客が本発明によりモバイル装置(例えば、図2のモバイル装置202)を用いて購入取引を実行できるようになる前に、顧客は図3に関して説明されるプロセス又は処理のような登録プロセスを実行する必要がある。プロセス300により収集又は提供されるデータは、取引管理システム230に関連する1つ以上のデータベースに保存される又はそれにアクセス可能である。データベースの具体例が図9に示されている(図9はプロセス300に関する以下の説明で参照される)。
図4A-Cに関連する例示的な取引プロセス400を説明する(図2のシステム200における構成要素も参照される)。図4Aは商人(例えば、商人208)の観点から見た取引プロセスを示し、図4Bはモバイル装置(例えば、モバイル装置202)の観点から見た取引プロセスを示し、図4Cは取引管理システム(例えば、図2のシステム230)の観点から見た取引プロセスを示す。一般に、3つの取引プロセスが並列的に又は互いに関連して実行され、本発明の実施の形態による支払取引が行われる。顧客がショッピングを行っている場合又は顧客が販売場所で購入する準備が整った場合に、図4に示す取引プロセスの各々が始まる。例えば、それらのプロセスは、顧客が商品又はサービスを購入するために選択し、それらを購入するために販売場所に持って行った場合に始まる。販売場所又はPOSは、小売店の精算レーン、電子商取引店舗での電子ショッピングカート、レストランにおける店員又はウェイター、ガソリンスタンドのガソリンポンプ等でもよいし、或いは本発明を使用して他の人に支払を行う人でもよい。
図5を参照するに、一実施形態によるシステム500のブロック図が示されている。システム500及びその内のモジュール群は単なる例示として示されているに過ぎず、本発明に関するシステムの可能な1つの形態を表す。当業者は本明細書を理解することで他の形態も使用されてよいことを認めるであろう。システム500は多数のモジュール及び構成要素を含み、それらは実施の形態による支払取引処理をサポートするように(例えば、上記の胃システム230のような)取引管理システムの機能を互いに発揮する。システム500は例えば1つ以上のサーバシステムに配備されてもよい。当業者は、図示のアーキテクチャが実施の一形態にすぎないこと、及び多数の設計例及び代替構成により本発明による機能を発揮できることを認めるであろう。
図6を参照するに、実施の形態によるシステム600のブロック図は、本発明の実施の形態による支払システム600内の選択されたモジュール又はコンポーネント間の取引の流れの一例を示す。システム600内のコンポーネントは、概して、図5で図示及び説明されたコンポーネントに対応する(なお、POS装置、モバイル装置等のような図2に関して説明したような要素のような多数の外部コンポーネントも含まれている)。当業者は、本明細書を理解することで、支払システム600は単なる一例にすぎないこと、及び例示のシステムアーキテクチャ及びフローに対する多くの変形例が本発明の実施の形態を更に展開するようになされてよいことを認めるであろう。
図7を参照するに、実施の形態に関するモバイル装置700のコンポーネントを示すブロック図が示されている。図示されているように、モバイル装置700は多数のコンポーネントを含み、コンポーネントは実施の形態による特徴を実行するように1つ以上のアプリケーションプログラム710-712により機能を実行する又は制御される。
図8A-8Eを参照するに、モバイル装置の表示画面(例えば、図2のディスプレイ236)において、モバイル装置(例えば、図2のモバイル装置202)を操作するユーザに提示される多数のユーザインターフェース例が示されており、これにより顧客は本発明の実施の形態による特徴を利用して支払取引を実行できるようになる。顧客のインターフェースの各々はアップルアイフォンモバイル装置で表示されるように図示されているが、当業者は同様なユーザインターフェースが他のモバイル装置で表示されてもよいことを認めるであろう。
本特許出願は米国仮特許出願第61/322,477号(西暦2010年4月9日付出願)及び61/362,567号(西暦2010年7月8日付出願)の優先的利益を享受しており、それらの出願の内容は全て本願のリファレンスに組み入れられる。
Claims (40)
- 顧客及び商人の間の支払取引を完了させるためのモバイル装置の動作方法であって、
取引プロセスを開始するための商人支払認証要求メッセージを前記商人から受信する取引管理システムにより生成されかつ販売場所で前記顧客に提示されたチェックアウトトークンを取得するステップと、
前記支払取引に関する前記モバイル装置からの情報と前記商人からの情報とが前記取引管理システムにより照合されるように、前記チェックアウトトークンから取得した情報を前記取引管理システムへ送信するステップと、
前記支払取引に関連する情報を前記取引管理システムから受信するステップであって、前記支払取引に関連する情報は、前記取引管理システムに前記顧客が予め登録している一群の支払アカウントのうち、前記商人との支払取引に利用可能な支払アカウントが、前記顧客により選択されるように、少なくとも第1の所定のルールに基づいて作成された少なくとも第1の支払アカウントを特定する情報を含む、ステップと、
前記支払取引を完了させるのに使用する選択された支払アカウントを示す情報が含まれている顧客支払認証要求メッセージを前記取引管理システムに送信するステップと
を有する動作方法。 - 前記支払取引における未払総額を算出する前に、前記チェックアウトトークンが前記商人により取得される、請求項1に記載の動作方法。
- 前記チェックアウトトークンが、前記商人に関する情報を探すのに利用可能な識別子を表す、請求項2に記載の動作方法。
- 前記チェックアウトトークンが、(i)タイムスタンプ、(ii)商人識別子及び(iii)POS端末識別子の内の少なくとも1つを指定するのに利用可能な情報を有する、請求項3に記載の動作方法。
- 前記取引管理システムから受信した前記支払取引に関する前記情報が、前記商人を識別する情報を更に含み、当該動作方法は、
前記モバイル装置の表示画面を用いて、前記支払取引に関する前記情報を前記顧客に表示するステップを更に有する、請求項4に記載の動作方法。 - 前記モバイル装置の表示画面を用いて、前記支払取引に関する前記情報を前記顧客に表示するステップを更に有する、請求項4に記載の動作方法。
- 前記取引管理システムから受信した前記支払取引に関する前記情報が、前記商人支払認証要求メッセージからの情報に少なくとも部分的に基づいて選択された少なくとも第1の提案を更に含み、当該動作方法は、
前記モバイル装置の表示画面を用いて、前記支払取引に関する前記情報を前記顧客に表示するステップを更に有する、請求項5に記載の動作方法。 - 前記支払取引に関連し、前記未払総額を含む更新情報を受信するステップと、
前記モバイル装置の表示画面を用いて前記未払総額を前記顧客に表示するステップと
を更に有する請求項2に記載の動作方法。 - 前記チェックアウトトークンは、(i)前記商人及び前記販売場所に関連する不変のトークン、(ii)前記支払取引で使用するために前記商人により生成されたチェックアウトトークン、(iii)前記支払取引で使用するために前記取引管理システムにより生成されたチェックアウトトークン、(iv)前記支払取引の未払総額を計算した後に前記商人により取得されたチェックアウトトークンの内の何れかである、請求項2に記載の動作方法。
- 前記チェックアウトトークンは、前記商人に関連する情報を探すのに利用可能な識別子を表す、請求項9に記載の動作方法。
- 前記チェックアウトトークンが、(i)タイムスタンプ、(ii)商人識別子及び(iii)POS端末識別子の内の少なくとも1つを指定するのに利用可能な情報を有する、請求項10に記載の動作方法。
- 前記取引管理システムから受信した前記支払取引に関する前記情報が、前記商人を識別する情報を更に含み、当該動作方法は、
前記モバイル装置の表示画面に、前記商人を示す情報及び前記未払総額を表示するステップを更に有する、請求項9に記載の動作方法。 - 前記表示するステップが、前記モバイル装置の表示画面に、利用可能な支払アカウントのリストと、該利用可能な支払アカウントの内の少なくとも1つを選択することを求める要求とを表示するステップを更に有する請求項12に記載の動作方法。
- 前記表示するステップが、前記モバイル装置の表示画面に、前記商人支払認証要求メッセージからの情報に少なくとも部分的に基づいて選択された少なくとも第1の提案を表示するステップを更に有する請求項12に記載の動作方法。
- (i)顧客及び(ii)モバイル装置の認証データの内少なくとも1つを、前記チェックアウトトークンから取得した情報を送信する前に前記取引管理システムに送信するステップを更に有する請求項1に記載の動作方法。
- 前記認証データを送信することが、前記モバイル装置及び取引管理システムの間のコネクションを設定することを含む、請求項15に記載の動作方法。
- (i)英数字コード、(ii)文字、数字又は記号の組み合わせから構成されるコード、(iii)(a)バーコード、(b)QRコード(登録商標)及び(c)画像パターンの内の少なくとも1つを含むエンコードされた画像、及び(iv)無線信号の内の少なくとも1つを用いて、前記チェックアウトトークンが提示される、請求項1に記載の動作方法。
- 利用可能な支払アカウントのリストを前記モバイル装置の表示装置で表示するステップを更に有し、前記利用可能な支払アカウントの前記リストは、(i)顧客が指定したルール、(ii)支払先が指定したルール及び(iii)システムが指定したルールの内の少なくとも1つにより決定されている、請求項1に記載の動作方法。
- 利用可能な支払アカウントの前記リストを前記モバイル装置の表示装置で表示するステップにおいて、
(i)利用可能な残高、(ii)前記表示装置の画像表現及び(iii)その他の情報の内の少なくとも1つを、前記利用可能な支払アカウントの各々について前記モバイル装置の表示装置に表示する、請求項18に記載の動作方法。 - 利用可能な支払アカウントの前記リストを前記モバイル装置の表示装置で表示するステップにおいて、
(i)商人のルール、(ii)ユーザのルール、(iii)取引管理システムのルール及び(iv)金融機関のルールの内の少なくとも1つにより決定される前記支払取引の好みの順序で、前記モバイル装置の表示装置で表示を行う、請求項18に記載の動作方法。 - 特定の顧客に特化した提案又は広告の少なくとも1つを含む販売促進メッセージを前記モバイル装置の表示装置に表示するステップであって、前記販売促進メッセージは、(i)前記顧客のプロフィール、(ii)前記商人のプロフィール、(iii)前記販売場所、(iv)日時、(v)購入される品目、及び(vi)前記顧客に利用可能な命令の内の少なくとも1つに基づく、ステップ
を更に有する請求項1に記載の動作方法。 - 選択された支払アカウントを識別する前記情報は、前記モバイル装置のユーザに関する支払アカウントを表す識別子であり、前記識別子は、前記選択された支払アカウントに関する実際の支払アカウントの詳細情報を読み取るために、前記取引管理システムにより利用可能である、請求項1に記載の動作方法。
- 前記支払アカウントを表す前記識別子が、前記取引管理システムにより指定された識別子である、請求項22に記載の動作方法。
- 前記チェックアウトトークンは前記販売場所に関する印刷装置で印刷されたものであり、(i)前記モバイル装置のデータ取得装置を用いて前記チェックアウトトークンを取得すること、及び(ii)前記モバイル装置のデータ入力装置を用いて前記チェックアウトトークンを前記モバイル装置に入力することの内の少なくとも1つにより、前記チェックアウトトークンが取得される、請求項1に記載の動作方法。
- (i)英数字コード、(ii)文字、数字又は記号の組み合わせから構成されるコード、(iii)(a)バーコード、(b)QRコード(登録商標)及び(c)画像パターンの内の少なくとも1つを含むエンコードされた画像の内の少なくとも1つとして、印刷された前記チェックアウトトークンが取得される、請求項24に記載の動作方法。
- 前記チェックアウトトークンは前記販売場所に関する表示装置で表示されたものであり、(i)前記モバイル装置のデータ取得装置を用いて前記チェックアウトトークンを取得すること、及び(ii)前記モバイル装置のデータ入力装置を用いて前記チェックアウトトークンを前記モバイル装置に入力することの内の少なくとも1つにより、前記チェックアウトトークンが取得される、請求項1に記載の動作方法。
- (i)バーコード画像、(ii)画像パターン及び(iii)英数字コードの内の少なくとも1つとして、表示された前記チェックアウトトークンが取得される、請求項26に記載の動作方法。
- 前記チェックアウトトークンが、無線通信により前記販売場所に関連する端末から取得される、請求項1に記載の動作方法。
- 前記チェックアウトトークンは前記販売場所の近くで表示され、(i)前記モバイル装置のデータ取得装置を用いて前記チェックアウトトークンを取得すること、及び(ii)前記モバイル装置のデータ入力装置を用いて前記チェックアウトトークンを前記モバイル装置に入力することの内の少なくとも1つにより、前記チェックアウトトークンが取得される、請求項1に記載の動作方法。
- (i)前記モバイル装置内にあるRFIDチップ、(ii)前記モバイル装置内にあるブルートゥース受信機及び(iii)前記モバイル装置内にある無線受信機の内の少なくとも1つを用いて、前記チェックアウトトークンが取得される、請求項1に記載の動作方法。
- 前記モバイル装置の認証データは、(i)モバイル電話番号、(ii)前記モバイル装置にインストールされているアプリケーションに関する固有の識別子、及び(iii)前記モバイル装置に関連する固有の識別子の内の少なくとも1つを含む、請求項15記載の動作方法。
- 前記モバイル装置に関する固有の識別子は、(i)ハードウェア識別子、(ii)シリアル番号、(iii)MACアドレス、(iv)ASIN及び(v)UUIDのうち少なくとも1つである、請求項31に記載の動作方法。
- 前記モバイル装置が、該モバイル装置のメモリにインストールされた支払アプリケーションを有するスマートフォンであり、前記顧客の認証データを送信する際に、
前記支払アプリケーションに対してユーザを認証するためのパスコードを前記ユーザに求める、請求項15に記載の動作方法。 - 前記顧客の認証データを送信する際に、
(i)ユーザ識別子及びパスワード、(ii)パーソナル識別番号、及び(iii)モバイル電話番号の内の少なくとも1つに基づいて、ユーザの身元を確認する、請求項15に記載の動作方法。 - 前記モバイル装置がウェブを利用できる電話機であり、前記顧客の認証データを送信する際に、
前記取引管理システムに関連するウェブページに前記モバイル装置のブラウザを合わせ、
前記取引管理システムに対してユーザを認証するためのパスコードを前記ユーザに求める、請求項15に記載の動作方法。 - POS装置で支払取引を行うモバイル装置であって、
表示画面と、
通信ポートと、
プロセッサと、
メモリと、
プログラムと
を有し、前記プログラムは前記メモリに保存されておりかつ前記プロセッサに動作方法を実行させ、前記動作方法は、
取引管理システムにより生成されかつ販売場所で顧客に提示されたチェックアウトトークンを取得するステップと、
前記支払取引に関する前記モバイル装置からの情報と商人からの情報とが前記取引管理システムにより照合されるように、前記チェックアウトトークンから取得した情報を前記取引管理システムへ送信するステップと、
前記支払取引に関連する情報を前記取引管理システムから受信するステップであって、前記支払取引に関連する情報は、前記取引管理システムに前記顧客が予め登録している一群の支払アカウントのうち、商人との支払取引に利用可能な支払アカウントが、前記顧客により選択されるように、少なくとも第1の所定のルールに基づいて作成された少なくとも第1の支払アカウントを特定する情報を含む、ステップと、
前記支払取引を完了させるのに使用する選択された支払アカウントを示す情報が含まれている顧客支払認証要求メッセージを前記取引管理システムに送信するステップと
を有する、モバイル装置。 - 商人とモバイル装置を操作する顧客との間の支払取引を完了させるための前記商人に関連するPOSシステムであって、前記モバイル装置は顧客及びモバイル装置の認証データの少なくとも1つを取引管理システムに送信し、当該POSシステムは、
通信ポートと、
プロセッサと、
メモリと、
プログラムと
を有し、前記プログラムは前記メモリに保存されておりかつ前記プロセッサに動作方法を実行させ、前記動作方法は、
(i)前記商人及び(ii)当該POSシステムのうちの少なくとも1つを特定する情報を含む商人支払認証要求を前記取引管理システムに送信し、前記商人支払認証要求に基づいて前記取引管理システムにより生成されたチェックアウトトークンを受信するステップと、
前記チェックアウトトークンを前記顧客に提示し、前記商人支払認証要求に関する情報を含む前記チェックアウトトークンを前記モバイル装置に取得させるステップと、
前記モバイル装置により読み取られたチェックアウトトークンを前記モバイル装置から受信した前記取引管理システムが、前記商人支払認証要求に関する情報と一群の利用可能な顧客支払アカウントを特定する情報とを前記モバイル装置に送信し、前記取引管理システムが、所定のルールに基づいて選択された前記一群の利用可能な支払アカウントの中から選択された少なくとも1つの顧客支払アカウントを特定する情報が含まれている顧客支払認証要求を前記モバイル装置から受信した場合に、前記取引管理システムから、支払認証メッセージを受信するステップと、
前記支払取引を完了するステップと
を有するPOSシステム。 - 顧客及び商人に関わる支払取引を完了させるための装置の動作方法であって、
(i)前記商人及び(ii)POS装置のうち少なくとも1つを特定する情報が含まれている商人支払認証要求を前記商人のPOS装置から受信するステップと、
前記商人支払認証要求に基づいてチェックアウトトークンを生成し、前記チェックアウトトークンが前記顧客に提示されるように前記チェックアウトトークンを前記POS装置に送信するステップと、
モバイル装置から顧客認証要求を受信し、前記顧客及び前記モバイル装置の内少なくとも1つを認証するステップと、
前記モバイル装置により取得されたチェックアウトトークンから取得された情報を含む顧客取引ルックアップ要求を前記モバイル装置から受信するステップと、
該チェックアウトトークンから取得された情報と前記商人支払認証要求に関する情報とを照合するステップと、
前記支払取引で使用する一群の利用可能な顧客支払アカウントを特定するステップと、
前記商人支払認証要求に関する情報と前記一群の利用可能な顧客支払アカウントを特定する情報とを前記モバイル装置に送信するステップと、
所定のルールに基づいて選択された前記一群の利用可能な支払アカウントの中から選択された少なくとも1つの顧客支払アカウントを特定する情報が含まれている顧客支払認証要求を前記モバイル装置から受信するステップと、
前記顧客支払認証要求に基づいて、前記支払取引の認証を受けるステップと
を有する動作方法。 - 前記認証を受けるステップにおいて、
少なくとも1つの支払アカウントを特定する情報に基づいて、実際の支払アカウントの認証情報を取得し、
前記実際の支払アカウントの認証情報を用いて支払ネットワークから支払認証を受ける、請求項38に記載の動作方法。 - 第1の支払認証メッセージを前記商人に送信するステップと、
第2の支払認証メッセージを前記モバイル装置に送信するステップと
を更に有する請求項38に記載の動作方法。
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Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR101706894B1 (ko) * | 2016-07-13 | 2017-02-27 | 이성원 | 모바일 카드 소지자의 모바일 단말을 이용한 카드 결제 승인 방법 및 시스템 |
WO2018012836A1 (ko) * | 2016-07-13 | 2018-01-18 | 이성원 | 모바일 카드 소지자의 모바일 단말을 이용한 카드 결제 승인 방법 및 시스템 |
US10902409B2 (en) | 2016-07-13 | 2021-01-26 | Sung Won Lee | Method and system for card payment approval using mobile terminal of mobile card holder |
Also Published As
Publication number | Publication date |
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JP2015092387A (ja) | 2015-05-14 |
CN110084580A (zh) | 2019-08-02 |
US20130246203A1 (en) | 2013-09-19 |
US9305295B2 (en) | 2016-04-05 |
AU2011237387B2 (en) | 2014-08-07 |
CA2795766A1 (en) | 2011-10-13 |
JP2013529326A (ja) | 2013-07-18 |
EP2556477A2 (en) | 2013-02-13 |
US10102514B2 (en) | 2018-10-16 |
US20110251892A1 (en) | 2011-10-13 |
AU2011237387A1 (en) | 2012-11-15 |
WO2011127354A3 (en) | 2012-01-26 |
BR112012025649A2 (pt) | 2016-06-28 |
CA2795766C (en) | 2017-10-10 |
JP6023162B2 (ja) | 2016-11-09 |
EP2556477A4 (en) | 2014-04-30 |
US8380177B2 (en) | 2013-02-19 |
US20160217448A1 (en) | 2016-07-28 |
WO2011127354A2 (en) | 2011-10-13 |
CN102934132A (zh) | 2013-02-13 |
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