KR20170117153A - Mobile device and method for financial transactions using different currencies - Google Patents

Abstract

A mobile communication device is configured for proximity communication (NFC) with the NFC interface module of the transaction terminal system. In response to interfacing the mobile communication device and the transaction terminal system, information may be exchanged between the mobile application on the mobile communication device and the transaction terminal system. The information to be exchanged may include at least one of information held by the transaction terminal system, representing the terminal system call of the transaction terminal system, and information held on the mobile communication device, representing the user call. The transaction terminal system or mobile application is operable to compare the terminal call with the user call and, if there is a difference, to display the call selection offer on the display of the mobile communication device. In response to the user selecting a user call, the transaction may be performed in a user call.

Description

≪ Desc / Clms Page number 1 > MOBILE DEVICE AND METHOD FOR FINANCIAL TRANSACTIONS USING DIFFERENT CURRENCIES FOR FINANCIAL TRANSACTIONS USING DIFFERENT CURES [

The present invention relates to a system and method for performing transactions.

Transactions can typically be done using payment cards with cash, magnetic stripe and / or chips, e.g., credit cards read by a transaction terminal system. It is also known to make payments using, for example, contactless systems using Near Field Communication (NFC) devices. Examples of such devices include payment cards, prepaid cards and mobile communication devices, including NFC interface modules.

A typical transaction terminal system, such as a point of sale (POS) system, an automated teller machine (ATM) workstation, etc., will provide transactions in a local call to the transaction terminal system. However, sometimes users want to make transactions with alternate currencies. Various techniques are known in the art for performing payments when a user wishes to make a payment to a transaction terminal system in a currency other than a local call.

For example, EP 1,018,711 identifies an identifier code from a payment card number and compares the identifier code with entries in a table containing issuer codes and corresponding currency codes to determine an operating currency for association with a card transaction Approach.

International patent application WO 2006/009816 discloses a method for receiving a financial account number associated with a financial institution maintained by a customer in a financial institution, determining a foreign currency type associated with the financial account, presenting the choice to the user, Discloses an approach wherein a transaction is performed in accordance with a customer's currency choice.

Conventional POS systems offering alternate currencies have traders in the POS system who want to make a payment using a local call to the POS system or to make a payment using the settlement currency associated with the user's credit card It involves asking the user. Conventional ATM systems offering alternate currencies involve the ATM displaying alternate calls and the user selecting alternate calls of one of the alternate calls offered using the ATM's keyboard.

There is a need to provide an improved method of performing a transaction in which a user selects currencies for payment.

The subject matter of the presently claimed invention is defined in the claims.

A method for facilitating selection of a call for a transaction, comprising: in response to interfacing an NFC interface module of a transaction terminal system with a mobile communication device configured for near field communication (NFC) Wherein the exchanged information comprises at least one of information held by a transaction terminal system representing a terminal system call of a transaction terminal system and information held on a mobile communication device representing a user currency, Exchanging the information; Comparing the terminal call with a user call by a transaction terminal system or a mobile application and, if there is a difference, causing the call selection subject to be displayed on the display of the mobile communication device; And in response to a user selection of the user's call, causing the transaction to be performed in the user's call.

The exchange of information may be performed, for example, in response to at least a first tap of the mobile communication device on the NFC interface of the transaction terminal system. The step of causing the transaction to be performed may be accomplished, for example, in response to a user action using the mobile communication device on the NFC interface of the transaction terminal system, e.g., using the second tab of the mobile communication device.

The step of causing the call selection object to be displayed on the display of the mobile communication device includes displaying the amount of the transaction in the at least one call, including, for example, at least one of the terminal system call and the user call can do.

The step of causing the call selection object to be displayed on the display of the mobile communication device comprises the steps of displaying the amount of transaction in at least one call including, for example, a user call, And displaying at least one of a call conversion rate and a call conversion fee.

The amount of transaction may be determined by the transaction terminal system, for example, as a result of inputting information about goods or services to be purchased.

In response to interfacing the NFC interface module of the mobile terminal device with the transaction terminal system, the mobile application may be activated, for example, for exchange of information.

At least one of the transaction terminal system or the mobile application may maintain currency conversion values for, for example, switching transaction amounts between calls. The currency conversion value may, for example, identify the expiration of the currency conversion rate and the validity of the currency conversion rate between the first and second calls. When one of the transaction terminal system or the mobile application accesses the call conversion value for which the validity of the call conversion rate expires, the one of the transaction terminal system or the mobile application sends the call conversion value to the remote server, for example, Access. The location of the mobile communication device may be determined using geo-location, for example, and the location of the mobile telecommunications cell to which the mobile communication device is connected, or the location of the transaction terminal system to which it is connected, For example, downloaded from the remote server to the mobile application based on the determined location of the mobile communication device.

In response to determining the terminal system call and the user call as a result of comparing the terminal system call and the user call, the current call conversion value from the transaction call to the user call may be, for example, Lt; / RTI >

A mobile application is provided for a mobile communication device comprising a proximity field communication (NFC) interface module, the mobile communication device being responsive to interfacing the NFC interface module of the mobile communication device with a transaction terminal system, The information being configured to exchange information between the application and the transaction terminal system, wherein the information to be exchanged comprises at least transaction information received from the transaction terminal system by the mobile application of the mobile communication device. The mobile application is configured to cause the mobile communication device to determine conversion rates and amounts to enable storing user preference preference parameters; And to cause the display of the call selection subject on the display of the mobile communication device in response to the determination that the call offer meets the stored user call selection subject preference parameters and otherwise to automatically display the transaction according to the stored user call selection subject preference parameters To be performed.

The mobile application is characterized in that the mobile communication device displays a record of the transaction on the display of the mobile communication device; And storing a record of the transaction in the storage of the mobile communication device.

The mobile application causing the mobile communication device to determine that there is a mobile communication device in a country that is not the home of the mobile communication device; To prompt the user to select user currency selection target preference parameters; And store the user-selected currency selection target preference parameters.

While various aspects of the present invention are mentioned in the appended claims, it is to be understood that other aspects of the invention are not limited only to the combinations explicitly set forth in the appended claims, but rather to the features of the independent claims and the disclosed embodiments and / Includes any combination of features from the claims.

Embodiments are described by way of example with reference to the accompanying drawings.
Figure 1 is a schematic block diagram illustrating an example of the configuration of a card payment system that provides dynamic currency conversion.
2 is a block diagram illustrating an example of a transaction terminal system.
3 is a block diagram illustrating an example of a dynamic call conversion host system.
4 is a schematic block diagram of an example of functional components of a mobile communication device.
5 is a schematic block diagram of the functional components of a mobile application.
6A and 6B are flowcharts showing an example of an operation method.
7 is a flow chart illustrating aspects of an exemplary method of operation.
8 is a flow chart illustrating aspects of an exemplary method of operation.

FIG. 1 is a schematic block diagram illustrating an exemplary payment card system 100. FIG.

Figure 1 illustrates a transaction terminal system (or transaction station system) 10 that includes card payment functionality and additionally includes dynamic currency conversion (DCC) system functionality. The transaction terminal system 10 may, for example, be configured as a point-of-sale terminal located within the premises of a retailer or may be, for example, an automatic teller machine.

The transaction terminal system 10 may include one or more interface modules for receiving card payment and purchase details as described with reference to FIG. The transaction terminal system 10 is in turn connected to a bank's computer system 12 which provides banking services for the retailer, hereinafter referred to as the acquirer banking system 12, Lt; / RTI > over another network). As part of processing the card payment, the transaction terminal system 10 generates a payment authorization request message 20.

The acceptor banking system 12 may include one or more computers. The acceptance banking system 12 may be operable to receive a payment authorization request message 20 from the transaction terminal system 10 and to return an authorization response message 30 to the transaction terminal system 10 at an appropriate time. The acceptance banking system 12 is connected to a network 14 (hereinafter referred to as a scheme network system 14) of computer systems of the payment card operator via a communications network (e.g., the Internet, a telephone network, ). ≪ / RTI > Although only one scheme network system 14 is shown in FIG. 1, the acceptance bank system 12 may be communicating with each scheme network system for each of the payment card operators.

The acceptance banking system 12 analyzes the payment authorization request message 20 received from the transaction terminal system 10 to determine the appropriate scheme network system 14 for the associated card and sends a payment authorization request message 22 Scheme network system 14 in accordance with the present invention.

The scheme network system 14 may be operable to receive a payment approval request message 22 from the acceptance banking system 12 and to return an authorization response message 28 to the acceptance banking system 12 at the appropriate time. The scheme network system 14 may communicate with a computer system 16 (hereinafter referred to as an issuer financial institution system) of a financial institution issuing a payment card via a communication network (e.g., via the Internet, telephone network or other network) ). Although only one issuing financial institution system 16 is shown in FIG. 1, the scheme network system 14 may be in communication with each of the issuing financial institution systems 16 for each of the issuing financial institutions.

The scheme network system 14 may be operable to analyze the received payment approval request message 22 to identify the issuing financial institution that issued the payment card. The scheme network system 14 is then operable to forward the payment authorization request message 24 to the associated issuing financial institution system 16 and to receive the response message 26 from the issuing financial institution system 16. [

Issuing financial institution system 16 is configured to process the authorization request by comparing the records held against the payment card associated with the details of the payment request to receive payment authorization request message 24, Message 26 to the schemenetwork system 14. The message < RTI ID = 0.0 > 26 < / RTI > The authorization response message includes various details including an acknowledgment as to whether payment is authorized. The authorization response message 26 is then forwarded to the transaction terminal system 10 via the scheme network system 14 and the acceptance bank system 12.

In the following, additional details of the rate request and rate response messages transmitted between the transaction terminal system 10 and the DCC host system 18 will be given.

With the confirmation of the call for the transaction, the transaction terminal system 10 sends an authorization request message or a financial notice request message or a financial notice advice message or a clearing message to the issuing financial institution 16 (e.g., for the cardholder's home or payment currency) Via the acquirer banking system 12 and the schemenetwork systems 14 to the receiving bank system 12. [

2 is a schematic block diagram of an exemplary transaction terminal system 10. The exemplary transaction terminal system 10 shown in FIG. 2 includes one or more processors 40, storage 42 (which may include volatile and non-volatile memory and storage) for storage of programs and data, And a POS system that includes a number of peripheral components.

2 is a block diagram illustrating a storage processing system in accordance with one embodiment of the present invention. The storage 42 includes a card processing application that forms a transaction processing (TP) application module 44, a DCC module 46 and DCC applications that form a reference country and / or call information 48, A local currency card file 49 which identifies the cards issued in the currency of the call (for example, an Issuer Identification Number / Bank Identifier Number (IIN / BIN) table 49 ), And foreign currency table 47, which are not shown in FIG. It should be noted that the storage 42 may include other applications and data.

The reference country / currency information 48 may be held in a register or in a file at the storage 42, for example as an ISO country code and an alpha currency code and / or a numeric currency code.

If the local currency card file is implemented as a local IIN / BIN table 49, this allows the user (cardholder) for the payment card to have a dynamic currency conversion To identify local banks and other financial institutions that are not eligible. Individual entries in the local IIN / BIN table may include various fields including, for example, one or more of the following fields:

IIN / BIN;

Alpha settlement currency code (e.g., alpha ISO currency code);

A numeric settlement currency code (e.g., a numeric ISO currency code);

Country code (e.g., ISO country code).

The foreign currency table 47 may include indications of foreign currencies supporting dynamic currency conversions by the transaction terminal system 10. Individual entries in foreign currency table 47 may include various fields including, for example, one or more of the following fields:

Alpha foreign currency code (e.g., alpha ISO currency code);

Numeric foreign currency codes (eg, numeric ISO currency codes).

2 also schematically shows a keyboard / keypad 50, a scanner 52, a card interface module 54 and a proximity field communication (NFC) interface module 55. The keyboard / keypad 50 may be a keyboard / keypad with separate keys, or it may be configured as a touch screen keyboard / keypad and may be used for input of numbers and / or other characters as appropriate. The scanner 52 may be, for example, a bar code scanner, a QR code scanner, or the like. The card interface module 54 may be configured to read data from the payment card. Card interface module 54 may be a magnetic stripe reader, a contact chip card reader, a contactless chip card reader, etc., as appropriate. Also, where appropriate, the card interface module 54 may also be operable to write information to a suitably configured payment card. The NFC interface module 55 may be used, for example, to communicate with a user's mobile communication device 100, e.g., a mobile phone. The NFC interface module 55 may be part of the card interface module 54 and may also be used to provide a non-contact card interface module.

2 schematically shows the display 56, the printer 58 and the communication interface module 60 additionally. The display 56 may be a numeric display, an alphanumeric display, an image display, or the like that displays input data and / or messages as appropriate to support the retailer / merchant and / or user in the operation of the transaction terminal system 10. [ The printer may be used to print purchase receipts and / or other information. The communication interface module 60 may communicate communications via one or more communication channels 62 from the transaction terminal system 10 to the DCC host system 18 either directly or via an intermediate network (not shown) .

In the example described above, transaction terminal system 10 is a payment acceptance device or an automated teller machine or point-of-sale system. However, it should be understood that the transaction terminal system 10 may also be in the form of a workstation connected to the Internet. The transaction terminal system may also be integrated, in whole or in part, into transactional systems such as hotels, theaters, retail stores, and the like.

3 is a schematic block diagram of one example of a DCC host system 18. Exemplary DCC host system 18 shown in FIG. 3 includes one or more processors 70, storage 72 for storage of programs and data (which may include volatile and non-volatile memory) do. Figure 3 illustrates an example in which the storage 72 stores one or more DCC programs that form the DCC module 76 and the local call file 75, call conversion rate or exchange rate tables 74, country to currency table 77, ≪ / RTI > includes one or more data tables including table (73). It should be noted that the storage 72 may contain other applications and data.

The local currency file 75 may be, for example, in the form of a settlement currency file (BCF) 75, which may have entries that may contain various fields including, for example, the following fields:

Account billing file identifier;

The lower value of the card account number range;

The upper value of the card account number range; And

Alpha settlement currency code (e.g., two to three character alpha ISO currency code);

A numeric payment currency code (for example, a 3-digit ISO currency code).

The call conversion rates tables 74 may include information from which the current call conversion data can be extracted. The header entry in the currency conversion table may contain various fields, including for example one or more of the following fields:

Outgoing file prefix;

File identifier;

Start valid date;

Start valid time;

A basic currency code (e.g., using an ISO currency code);

A country code (e.g., using an ISO country code);

File sequence number (e.g., 001 if there is no more than one file for the date);

File extension (e.g., DAT).

The volume in the currency conversion tables 74 may include various fields including, for example, one or more of the following fields:

Volume header;

Start valid date;

Start valid time;

Rate ID.

The individual currency conversion entries in the currency conversion tables 74 may include various fields including, for example, one or more of the fields for the following:

Alpha currency code (e.g., ISO standard three letter alpha code);

A numeric currency code (e.g., an ISO standard two to three character numeric code);

A Euroband indicator (e.g., a flag indicating whether the currency is an Euro band call);

Currency conversion rate (e.g., a rate rounded to four decimal places);

Trader FX-rate category;

A valid start date (e.g., a date when the call conversion rate begins to become valid);

A valid start time (e.g., the time at which the call conversion rate begins to become valid);

A valid end date (e.g., a date on which the call conversion rate becomes invalid);

A valid end time (e.g., the time of the day when the call conversion rate becomes invalid);

Percentage of markup percentage;

Price impression precision value (e.g., indicating price impression decimal precision).

The final field in the currency conversion tables 74 may include various fields including, for example, one or more of the fields for the following:

Trailer line;

Checksum for currency code field;

A checksum for the currency conversion rate field;

Record count.

The national currency table (77) is used to map between the country and the official country currency of that country. There is usually a single official national currency associated with each country, but there may be a number of countries associated with one official national currency, for example, the EURO. In one example, the country-to-currency table is arranged country-by-country and each entry for a country identifies the associated official country currency. In this example, each entry may include one or more fields including, for example, one or more of the following fields:

A country code (e.g., an ISO country code);

Alpha currency code (e.g., ISO standard three letter alpha code);

A numeric currency code (for example, an ISO standard two to three character numeric code).

The default currency table 73 can be used to identify the default currency to be used for the transaction. The default currency table 73 may include, for example, a mapping between a non-supporting DCC call and a default supported DCC call and may be provided by the transaction terminal system 10 and / May be used in certain circumstances to identify the default DCC currency to be used when a payment card issued for an unsupported currency is used. It may also be used in certain circumstances to identify a default DCC call to be used for a payment card that has not been issued for local calls to the transaction terminal system 10. [ In one example, the default currency table 73 is arranged by an incoming call (e.g., local and / or non-supported calls to a terminal payment system, etc.) and each entry for an incoming call is associated with a corresponding default call Lt; / RTI > In this example, each entry may include one or more fields that include, for example, one or more of the following fields:

Alpha input currency code (e.g., ISO standard three letter alpha code);

A numeric input currency code (e.g., an ISO standard two to three character numeric code;

Alpha default currency code (e.g., ISO standard three letter alpha code);

A numeric default currency code (for example, an ISO standard two to three character numeric code).

Figure 3 also schematically shows the keyboard 78 and the display 80. [ The keyboard 78 may be a keyboard having separate keys, or it may be configured as a touch screen keyboard and may be used for input of numbers and / or other characters as appropriate. Display 80 may be a numeric display, an alphanumeric display, an image display, or the like, which enables an operator to view system data as appropriate.

3 further illustrates the printer 82 and communication interface module 84. [ The printer can be used to print system data. The communication interface module 84 communicates with the transaction terminal system 10 and the acceptance bank system 12 via one or more communication channels 86 either directly or through intermediate networks (not shown) .

4 is a schematic block diagram illustrating functional components of a mobile communication device 40, for example, a mobile phone, such as a smart phone, a tablet device, and the like. The exemplary mobile communication device 40 includes one or more processors 170 and a memory 172 for storage of programs and data. A vibration mechanism 178 for providing vibration alarms, a touch for user input arranged such that the touch sensor is laid over the display 174, A sensor mechanism 180, and one or more keys 182. In one embodiment, A radio module 184 for radio communication with the cellular network, an NFC interface module 186 for interaction with the near field communication technology, a WiFi module 188 for communication with WiFi base stations, Various communication interface modules may be provided, including a Bluetooth module 190 for communication and a GPS module 192 for position location of the mobile communication device. (SIM) card reader 194 for connection to a SIM card 196 that contains user specific data, including, for example, mobile network account data and payment card account data held in secure storage 198 within the SIM card. (194) may be provided. It will be appreciated that the interaction of the various functional components shown in FIG. 4 is merely illustrated in a schematic manner and that any suitable existing configuration of the individual components is possible within the mobile communication device.

5 is a schematic block diagram of the functional components of the mobile application 720. [ The mobile application 720 may be retained within the storage 172 at the mobile communication device 40 and be operable to control one or more processors 170 of the mobile device to provide various functions. These may include features not described herein in the sense that they do not relate to an understanding of the claimed subject matter. For example, a mobile application may provide various functions for supporting a traveler as the user to assist the user in his or her travel. For example, functional modules may provide travel recommendations and information, for example, to support functions that assist travelers in the tax refund process.

Figure 5 illustrates a session identifier 722 that may be stored by the mobile application 720 in the storage 172 of the mobile communication device 40. [ The session identifier processing logic 724 may be operable in combination with the transaction terminal software of the transaction terminal to manage a session identifier 722 that identifies a transaction session between the mobile communication device 40 and the transaction terminal system 10. [ have. Figure 5 also illustrates a call preference preference 726 that may be stored by the mobile application 720 in the storage 172 of the mobile communication device 40. [ The call preference preference logic 728 may be operable to store the call preference preferences 726 in the storage 172 in response to the user selection of the call preference. For example, the currency selection target preference logic 728 may use all of the selected currencies offered to the user, for example, the currency selected by the user from one or more currencies associated with the user's payment account, An option to select one or more classes of transactions or transactions to be performed may be provided to the user, e.g., as part of a set-up process.

6A is a flow diagram illustrating a method for interacting with a transaction terminal system, such as a transaction terminal system 10, , Wearable devices such as, for example, mobile phones, tablets, smart watches, and the like. The mobile communication device 40 interacts with the transaction terminal system 10 through the NFC interface module 186 of the mobile phone 10 and the NFC interface module 55 of the transaction terminal system 10. In one embodiment, The mobile application 720 may be a mobile phone.

The transaction terminal system 10 may be, for example, a merchant's point-of-sale terminal that sells products and / or services to a user. In step 202, the transaction terminal system may be operable to collect information including, for example, cost information associated with one or more goods or services the user desires to purchase. The transaction terminal system may be used for example by a machine readable device that displays, for example, a keyboard, or by scanning, contactless reading, or otherwise displaying a value, for example, As a result of the input, it can be configured to record the details of the plurality of items to be purchased, including the price or cost of the items. For example, the value of an item may be determined based on input of a product code or the like for the item, for example by manual entry of a machine readable product code, or from storage of a transactional terminal system or from a server by scanning, contactless reading, Can be taken out by the remote lookup of FIG. The item value will typically be the base currency for a terminal, hereinafter referred to as a terminal call. As each item is entered, the item value, item identifier, and potentially additional data are stored in storage at the transaction terminal system and / or at the server associated with the transaction terminal system.

Alternative costs or prices in a second or additional call may also be stored in the transaction terminal system. The switching between primary and alternate currencies can be performed, for example, using a switching data structure (e.g., a table) that identifies the conversion rates between the currencies. The conversion data structure may be updated at intervals with the conversion values between the respective currencies in which the currencies are associated with a valid lifetime so that the conversion rates at the end of the validity period are updated by downloading the current conversion rates and expiration dates from the remote server Updated.

In this example, rather than having a local conversion data structure in the transaction terminal system, the transaction terminal system may be operable to request a call conversion rate in response to the transaction being performed.

At step 204, a transaction terminal system (10) is interfaced with the mobile communication device (40) to interface with the transaction terminal system (10), in response to the collection at step 202 of information relating to one or more goods or services the user desires to purchase (Automatically by at least one of audio or visual output from the transaction terminal system) to tap the mobile communication device 40 on the NFC interface module 55 of the mobile terminal 10.

In steps 206 and 208, a handshake process takes place between the transaction terminal system 10 and the mobile communication device 40. This is because, as a result of the tapping of the mobile communication device 40 on the NFC interface module 55 of the transaction terminal system 10, the transaction terminal system, in step 204, sends the weather call through the NFC interface modules 186 and 55 And sending it to the mobile communication device to make it wake-up and active if the mobile application 720 is sleeping (in an inactive or sleep mode).

The handshake process determines whether the transaction processing module 44 of the transaction terminal system 10 determines whether the tapping of the mobile communication device 40 indicates a new session with the transaction terminal system 10 or a continuation of a previous session Or < / RTI > Whether this is a new session indicates whether the mobile application 720 is in a transaction that queries the mobile application 720 to determine whether it has been recorded by the transaction processing module 44 as being active and still identified the session identifier 722 May be determined by the processing module 44. The transaction terminal system (and / or mobile application) may allocate and maintain a record 45 of the status and session identifiers of the associated sessions. In one example, as described herein, the transaction processing module 44 of the transaction terminal system allocates a session identifier to a first tuple for a transactional session with the mobile communication device 40 and identifies the stage in the arriving processing And maintains the session identifier along with the supplementary identifiers. The session processing logic 724 of the mobile application 720 stores the session identifier assigned by the transaction processing logic 44 as the session identifier 722 in the mobile communication application storage and then replaces Identifiers are also maintained. For example, the session identifier may be a number assigned to the session in the session identifier field of the session record, and the supplementary identifiers are changed to a second value when each bit is first set to a first value and then reaches its processing stage Bits in the supplementary bit fields.

The transaction terminal system is operable to compare any session identifier held by the mobile application and if the session identifier is identified by one or more supplementary identifiers set to a second value, The taps of the mobile communication device on the first identified session may be a continuation of the previous session that is from the stage in the processing identified by the supplementary identifiers set to the second value. Otherwise, if the tapping of the mobile communication device indicates a new transaction session between the mobile communication device 40 and the transaction terminal system 10, the transaction processing module 44 assigns a new session identifier to the session, To be written to the storage of the transaction terminal system 10 and to the storage of the mobile communication device 40 by the session processing logic 724 of the mobile application 720 as discussed above.

In step 210, the transaction processing module 44 causes information to be exchanged between the mobile communication device 40 and the transaction terminal system 10.

This means that information indicating user calls and / or user countries that can be delivered to the transaction terminal system and which can be compared to information held by the transaction terminal system representing the terminal system call (or country) of the transaction terminal system, The transaction processing module 44 may query the mobile communication device 40 via the NFC interface modules 186 and 55 to determine whether the transaction processing module 44 is held on the device 40. [

As discussed above, the mobile communication may include a subscriber identity module (SIM) 196 that may include a security element 198. The security element 198 may include information identifying the payment information (e.g., credit card or other payment card information) and / or the payment currency or country associated with the user's account (e.g., credit card information or other payment card information) . In this regard, a payment token may include a virtual card as defined by the information in the security element of the SIM, or otherwise held in secure storage at the mobile communication device, so that references to a credit card or other payment card It should be noted that it does not mean that a physical card is needed.

The terminal system call is typically the base currency of the transaction terminal system, which forms the default currency for performing transactions by the transaction terminal system. For example, if the transaction terminal system is located in Germany, the base currency is typically the euro. It should be noted, however, that multiple terminal system calls may be provided, for example, if the transaction terminal system is configured to allow transactions in multiple calls. The terminal system calls or conversations can be identified by the currency codes, each of which is held in the storage of the transaction terminal system. The terminal country code for the country in which the terminal is located may also be maintained in the storage of the transaction terminal system 10. [ The transaction terminal system 10 may include country to currency conversion tables 48 for converting between country information and currency information.

The user call is a call stored in the mobile communication device 40. For example, information 40 representing a user call and held on a mobile communication device read by the transaction terminal system 10 may be stored in the security element 198 of the SIM 196 or other May be retained in the secure element. This may be, for example, a call of a user's account (e.g., a credit or debit account) of the mobile communication device, or a call selected by the user when configuring the mobile application. In an exemplary application, multiple user calls may be specified, e.g., for each of the user's accounts. User calls or calls may be identified by respective currency codes held in security element 198 or other security element of SIM 196 within mobile communication device 40, respectively. In addition, the user country may be identified by the country code retained in the security element 198 or other security element of the SIM 196 in the mobile communication device 40. The user country may be the issuing country of the user's account (e.g., credit or debit account) of the mobile communication device.

In an exemplary embodiment, if the security element of the SIM includes payment details for the user including an indication of the user's call at step 212, these details may be provided from the mobile communication device 40 to the transaction terminal system 10, Via NFC interface modules 186 and 55. < RTI ID = 0.0 > In this stage, the first supplementary identifier may be set by the session processing logic 724 of the mobile application 720 to a second value indicating that the requested information has been transmitted to the transaction terminal system, and the second supplementary identifier May be set by the transaction processing module 44 to a second value indicating that it has been received by the transaction terminal system.

At step 214, the transaction terminal system compares the user's currency or currencies with the terminal system currency or currencies.

If a difference is detected, then in step 216 the transaction terminal system determines the cost of one or more purchases in different currencies based on the call conversation rate, a terminal call associated with the base call for the item to be purchased, Lt; / RTI > of the call conversion rate.

For example, as discussed above, if the conversion data structure locally retained in the transaction terminal system can be queried, and the expiration date for a given call conversion has expired, then the transaction terminal system can retrieve the current And to send a rate request message to the remote server to obtain a download of the conversion rate. In an event where the conversion data structure is not locally held in the transaction terminal system, for each transaction, the transaction terminal system may be operable to send a rate request message to the remote server to obtain a download of the current conversion rate from the remote server. Additional supplementary identifiers may be set to a second value by the transaction processing module 44 during this processing to record the stage in the processing that has been reached.

At step 218, the transaction terminal system is operable to compute substitute prices in the terminal call and user currency or conversations based on the obtained conversion rates and to generate a purchase offer that includes price and conversion rate information. The offer of purchase may include, for example, transaction amounts in terminal systems and user calls, currency codes and currency conversions for calls and / or charges applied. A description and / or product code of each product to be purchased optionally may be provided in the purchase proposal. The transaction terminal system may then be operable to send a purchase offer to the mobile communication device. Additional supplemental identifiers may be provided by the transaction processing module 44 during this processing to record the stage in the arriving processing and by the session processing logic 724 of the mobile application 720 to indicate that a purchase offer has been received, Lt; / RTI >

If it is determined in step 214 that there is no difference between the terminal system call and the user call, the purchase offer provided in step 218 includes the transaction amounts in the terminal system call, the currency code for the call, and optionally the details of the purchases And the purchase offer is forwarded to the mobile communication device.

When the calculation is completed before the user removes the mobile communication device 40 from the NFC interface module 55 of the transaction terminal system 10, the call selection object is transferred to the transaction terminal system 10 and the mobile communication device 40 May be communicated directly from the transaction terminal system 10 to the mobile application 720 via the NFC interface modules 55 and 186. [ The processing from the moment of the initial tap will typically take place in less than about 200 ms so that in most cases the user is in a call prior to lifting the mobile communication device 40 from the NFC interface module 55 of the transaction terminal system 10, The selection subject will be delivered to the mobile communication device 40.

Upon receipt of the purchase offer, an additional supplementary identifier may be set to a second value by the session processing logic 724 of the mobile application 720 to indicate that a purchase offer has been received. The session processing logic 724 of the mobile application then uses the user interface (UI) logic 730 at step 220 to display the purchase offer and to display the offered transaction amount (if available) Lt; RTI ID = 0.0 > user < / RTI > Displaying the purchase offer on the display of the mobile communication device may include displaying the amount of the transaction on at least one call including the terminal system call and displaying at least one user call if there is a call selection subject . For example, displaying a call selection offer on the display of the mobile communication device may include displaying the amount of the transaction on at least one call that includes the user call, selecting a call conversion rate between the terminal system call and the user call, And displaying at least one. Additional supplemental identifiers may be set to a second value by the session processing logic 724 of the mobile application 720 to indicate the stage on the processing reached.

The display may be configured to allow the user to select a purchase offer, and / or, if there is a call selection subject, to select a call for the transaction. For example, the user selectable buttons may be displayed adjacent to the call options, or the call select items may be displayed within the user selectable displayed buttons. The user can be prompted to enter verification of acceptance. For example, a mobile communication device may be provided with a biometric sensor, for example a fingerprint sensor. A biometric sensor, for example a fingerprint sensor, is provided in the mobile communication device and the call selection target is displayed by selection of a selectable (real or virtual) button, or a call selection target preference 726 held in the mobile communication device The detection of the user's verified fingerprint by the fingerprint sensor can be used to identify and verify the call selection object in one action. Alternatively, if a biometric scanner is not provided to the mobile communication device, input of a PIN or other verification code may be required to verify acceptance of the purchase offer.

In response to verifying the currency of accepting a purchase offer and / or a currency selection subject and verifying it before the user removes the mobile communication device 40 from the NFC interface module 55 of the transaction terminal system 10 The session processing logic may cause the transaction terminal system to accept the purchase offer and / or call selection subject selection at step 222 via the NFC interface modules 186 and 55 of the mobile communication device 40 and the transaction terminal system 10 Lt; / RTI > Additional supplemental identifiers may be set to a second value by the transaction processing module 44 of the transaction terminal system 10 and the session processing logic 724 of the mobile application 720 to indicate the stage of processing reached.

At step 224, if the transaction is successfully completed, the transaction processing module 44 at step 226 determines whether the transaction terminal system 10 and the NFC interface modules 55 of the mobile communication device 40 186 may be operable to send an acknowledgment from the transaction terminal system 10 to the mobile application 720 and may be operable by the session processing logic to display an acknowledgment at step 228 on the display of the mobile communication device, To the user. Additional supplemental identifiers may be set to a second value by the transaction processing module 44 of the transaction terminal system 10 and the session processing logic 724 of the mobile application 720 to indicate the stage of processing reached.

In step 224, the transaction processing module 44, in step 226, sends an appropriate message from the transaction terminal system 10 to the transaction terminal system 10 in step 226, for example, if the transaction is not completed because the payment was rejected by the issuing bank. And to the mobile application 720 via the NFC interface modules 55 and 186 of the mobile communication device 40 and the message may then be processed by the session processing logic, e.g., in step 228, May be displayed to the user by displaying an acknowledgment on the display of the device. For example, if multiple payment accounts are held by the mobile communication device, the user may be prompted to re-use a different payment account, for example, to initiate the process. Additional supplemental identifiers may be set to a second value by the transaction processing module 44 of the transaction terminal system 10 and the session processing logic 724 of the mobile application 720 to indicate the stage of processing reached.

In steps 222 and 224, it is assumed that the user has not removed the mobile communication device from the NFC reader. However, for example, in order to read information on the display of the mobile communication device and / or to operate the buttons displayed on the mobile communication device or buttons on the mobile communication device, It is possible to remove the mobile communication device from the mobile communication device 55. The handshake protocol with the transaction terminal system can be configured to monitor (e. G., Using a heartbeat signal) whether or not the NFC connection is broken.

If the NFC connection is broken as a result of, for example, the user removing the mobile communication device from the NFC reader 55, the session processing logic of the mobile communication device and / or the transaction processing module of the transaction terminal system, May be operable to prompt the user to tap the mobile communication device again on the NFC interface module 55 of the transaction terminal system for processing may continue. The transaction processing module 44 of the transaction terminal system 10 and the session processing logic 724 of the mobile application maintain a record or log of the stage of processing that has been reached using the supplementary identifiers so that the NFC interface module , The processing is performed from the appropriate point on the mobile communication device once tapped on the NFC interface module 55 of the transaction terminal system 10 and from the mobile application 720 querying the supplementary identifiers to determine the stage of processing reached May be restarted by the session processing logic 724 and the transaction processing module 44 of the transaction terminal system 10.

For example, if the mobile communication device 40 has been removed from the NFC interface module 55 of the transaction terminal system 10 before receiving the call selection object offer at step 220, then the session processing logic 724 may communicate with the UI logic 730 ) To cause the user to be prompted by at least one of, for example, an audio, vibration, or visual prompt, by the mobile communication device to tap the mobile communication device again on the NFC interface module of the transaction terminal system to receive a purchase offer can do. In this tab, the transaction terminal system compares the session identifier 722 held by the mobile application with the session identifier 45 for the current session held by the transaction terminal system, and notes the transaction log that records the stage of transaction processing And recognizes that the call selection object needs to be delivered to the mobile application as a continuation of the session.

6B illustrates one example of the operation of steps 214, 216, and 218 of FIG. 6A in more detail.

In the example shown in FIG. 6B, in step 214-1, the transaction terminal system compares the terminal system call with the user currency.

If the terminal system call is the same as the user's call, then in step 214-2, the processing moves to step 218. [

If the terminal system call is not the same as the user call, then in step 214-2, the processing moves to step 216. [

At step 216-1, the transaction processing module 44 sends a rate request message to the remote server to obtain a download of the current conversion rate from the remote server. The rate request message may identify the terminal system call and user call and transaction identifier using appropriate currency codes.

At step 216-2, the transaction processing module 44 receives the call conversion rate response from the remote server. The conversion call response may include a transaction identifier, a terminal system call and user currency codes, and a conversion rate.

At step 216-3, the transaction processing module 44 computes replacement prices in the user currency based on the acquired conversion rate and the amount of transactions in the terminal call.

In step 218-1, the transaction processing module 44 generates a purchase offer that includes price and conversion rate information. In the event that the terminal system call and user call were determined to be the same in step 214-1, the purchase offer may include, for example, the amount of transactions in the terminal system call. A description and / or product code of each product to be purchased optionally may be provided in the purchase proposal. In the event that the terminal system call and the user call were determined to be different in step 214-1, the purchase offer may include, for example, the amount of transactions in the terminal system and user calls, the currency codes and currency conversion rates for the calls, / ≪ / RTI > A description and / or product code of each product to be purchased optionally may be provided in the purchase proposal.

At step 218-2 the transaction processing module is then operable to send the purchase offer to the mobile communication device 40 via the transaction terminal system 10 and the NFC interface modules 55 and 186 of the mobile communication device 40 .

As discussed with reference to FIG. 6A, supplementary identifiers are provided by the transaction processing module 44 during the processing of steps 214, 216, and 218 to record the stage in the arriving processing and by the session processing logic 724, Lt; / RTI > may be set to a second value.

In the process described with reference to Figures 6A and 6B, the calculation of the call option options is carried out by the transaction terminal system and then delivered to the mobile application. In an alternative embodiment, the transaction terminal system may communicate the details of the terminal system toll code and purchase (s) to the mobile application in response to the first tab of the mobile communication device on the NFC interface module of the transaction terminal system. In an alternative, a mobile application, rather than a transaction terminal system, may be able to compare user calls or currencies with terminal system calls or conversations. If a difference is detected, the mobile application may be able to calculate and present a currency selection object on the display of the mobile communication device. In this case, the call selection target may be based on the call conversion rates held by the mobile application. For example, a conversion data structure retained locally or remotely with respect to a mobile communication device may be queried, and if the expiration date for a given call conversation expires, the current conversion rate may be downloaded from a remote server. Following the selection of the call selection object by the user, the user may be prompted to tap the communication device on the NFC interface module of the transaction terminal system to deliver the call selection object selection to the transaction terminal system, For example, you can use the user's credit card account to proceed with transactions in a conventional manner in the selected currency. When conversion rates are held on the mobile communication device, these conversion rates may be downloaded at specific intervals (e.g., when a user connects over Wi-Fi to avoid potential roaming charges) and the rates May be timestamped so that they "time out" after a certain time interval. The rates to be downloaded and stored on the mobile communications may be rates specific to the current location of the mobile communication device or related to such current location, in order to minimize storage required for conversion rates. The location of the current location of the mobile communication device, the location of the mobile telecommunications cell to which the mobile communication device is connected or recently connected, or the location of the transaction terminal system to which the mobile communication device is connected or has recently been connected, Geo-location techniques.

For example, Figures 7 and 8 show an alternative. In this embodiment, the mobile application 720 of the mobile device 40 is operable to detect when the mobile communication device is connected to a country that is not the home of the mobile communication, and then offer predetermined options for automatic call switching . For example, the mobile application 720 may be configured to maintain user call preference preference parameters, determine conversion rates and amounts, and determine that the call offer satisfies the stored user call preference preference parameters, So that the call selection subject matter can be displayed on the display of the call selection subject. Otherwise, if the call selection offer corresponds to stored stored user preference parameters, the mobile application 720 may be operable to perform a transaction on a user call or transaction terminal system call as determined by stored user preference parameters.

Figure 7 illustrates the steps performed by the mobile application to present the user with predetermined parameters.

At step 302, the mobile application 720 is activated. In one example, this may be a manual activation. In another example, the mobile application 720 may be automatically operable to activate when the mobile communication device 40 connects to a new cellular or WiFi network.

At step 304, the mobile application 720 may be operable to determine whether the mobile communication device 40 is in the user's home (user's country) or in another country. The mobile application 720 may respond to existing geo-location techniques and / or communication network identifiers of the mobile communication network to which the mobile communication device 40 is connected, for example.

At step 304, if the mobile application 720 determines that the mobile communication device 40 is at the home of the mobile communication device 40, the process ends at 306.

If the mobile application 720 determines in step 304 that the mobile communication device 40 is in a country that is not the home of the mobile communication device 40 then in step 308 the mobile application 720 determines And may be operable to present one or more prompts to the user.

For example, at step 308, the mobile communication application 720 may determine (using one or more of the displayed buttons, drop-down lists, etc.) for the user to select or enter one or more of the following user preference parameter settings: May be operable to present options on the display 174 of the mobile communication device 40:

A payment card preference parameter 382 that identifies a preferred payment card (e.g., a credit card) to be used if multiple credit card information is stored on the mobile phone;

A default conversion rate parameter 384 between the local currency of the country in which the mobile communication device is located and the user currency of the user's home (local currency);

A threshold parameter 386 (e.g., a percentage, say 2%) for the base conversion rate at which the user will accept the conversion rate without questioning each transaction to agree on the conversion rate;

If the conversion rate is higher than the threshold parameter, a prompt parameter 388 for determining which of the following is desired by the user:

If the exchange rate is higher than the critical parameter, it will be prompted for a decision, or

Automatically deny conversions without prompting and use local currency.

The user may be operable in step 308 to enter appropriate user preference parameters values for parameters 382 through 388 using the options provided through the display 174 of the mobile communication device 40 and then step 310 The values of these parameters may be stored in the parameter storage 382-388 in the mobile communication device 40. [ The mobile application 720 of the mobile communication device may also be operable to store the call conversion data structure for the country in which the mobile communication device is located by accessing a remote host server that holds this information over a WiFi or mobile communication network connection .

Although the inputting of the user parameter preference parameter values in the process shown in Figure 7 is performed in response to the mobile application determining that the mobile communication is not in the user's home, in an exemplary implementation, the mobile application may alternatively or alternatively Additionally, an option may be provided to the user to enter user preference parameter values at any time (e.g., at the user's home station before traveling to the intended destination country).

8 illustrates exemplary steps performed when performing a transaction, for example, in point of sale management.

Step 402 may perform operations comparable to steps 202-212 when a mobile communication device (MCD) 40 is provided to the NFC interface module 55 of the transaction terminal system (TTS) In this example, however, the transaction terminal system 10 responds to the first tab of the mobile communication device on the NFC interface module of the transaction terminal system to forward the details of the terminal system toll code and purchase (s) to the mobile application do.

At step 404, the mobile application 720 of the mobile communication device 40 may then be operable to automatically determine conversion rates and values if the mobile communication device is in a country that is not the home country. For example, as discussed above, the currency selection target may be based on the information received from the transaction terminal system and the call conversion rates held by the mobile application 720 in response to the pre-configured and stored parameters 382-388 Lt; / RTI > For example, the conversion data structure for the country (and possibly other countries) in which the mobile communication device is located may be maintained locally or remotely to a mobile communication device that may be consulted, and an expiration date for a given call conversation The current conversion rate can be downloaded from the remote host server.

The mobile application 720 determines whether the difference from the proposed conversion rate for the basic conversion rate parameter 384 is within the threshold parameter 386 (i.e., if the proposed conversion rate is greater than the default conversion rate value of the parameter 384) Is better than the rate corresponding to the threshold of the second rate (e.g., 386)).

The mobile application 720 determines in step 406 that the proposed conversion rate is equal to or greater than the rate corresponding to the threshold value of the parameter 386 based on the basic conversion rate value of the parameter 384 , The mobile application 720 is operable in step 412 to automatically use the local call as the transaction currency.

In step 406, the proposed conversion rate is worse than that indicated by the threshold value represented by parameter 386 based on the basic conversion rate indicated by parameter 384 (say, exceeding 2% above the default conversion rate And the mobile application 720 determines that the mobile application 720 is operable in step 408 to determine whether the prompt parameter 388 indicates that the user is prompted whether to accept a higher conversion rate.

If the mobile application 720 determines in step 408 that the mobile application 720 should be prompted to the user, then in step 410, the mobile application 720 sends a message to the mobile communication device 720 to inform the user of the difference between the offered conversion rate and the default conversion rate of the parameter 304 The display 174 of the user 40 and prompts the user to respond at this time to determine whether to accept the prompted input or exchange rate. At step 410, if the user responds to the prompt to indicate that the proposed conversion rate is acceptable (e.g., by touching a software or hardware button on the mobile communication device 40), then the mobile application 720 proceeds to step 412, The local currency is used. At step 410, if the user responds to the prompt to indicate that the proposed conversion rate is not acceptable (e.g., by touching a software or hardware button on the mobile communication device 40), the mobile application 720 proceeds to step 414 And uses the local currency for the transaction.

At step 408, if the mobile application 720 determines that it is not prompted to the user, the mobile application 720 proceeds to step 414 and uses the local currency for the transaction.

Following step 412 or step 414, the mobile application, after payment authorization has been performed, causes the selected call and the converted amount to be notified to the user, for example, via the display 174 of the mobile communication device 40, if applicable It is operable in step 416. In addition, at step 416, the mobile application 720 is operable to store the transaction record 420 in the storage of the mobile communication device 40. [

As described above, the mobile communication device can store payment card details (e.g., in a SIM) on the secured element so that the mobile application and / or transaction terminal system can provide payment card details to the mobile phone And to use a payment account of the payment card details to perform the transaction. However, in another example, the payment card to be used for the transaction may be separate from the mobile communication device such that the mobile communication device includes an indication of the user's currency or country, but does not include the user's payment account, The card is being used to perform transactions.

As discussed above, the mobile application 720 may be configured to enable a user to predefine a currency selection object, or to allow the user to separately select a currency for each transaction.

The application may be configured to enable the user to set up the desired call.

Exemplary operations may include detecting a mobile application, querying an application, not a chip on the phone, noting whether a predefined call is identified in the application, or alternatively, Identifying the transaction, and identifying the transaction; and, based on these determinations, offering a currency selection target.

The mobile application on the mobile communication device may be configured to interface the module and the remote call selection target server in real time, or the rates may be preloaded on the mobile communication device.

The program modules may each be implemented with one or more computer program products that operate the processors 40 and 170 separately. One or more computer program products operable to control the processor (s) 40/170 of the transaction terminal system and / or mobile communication device may implement the processes and modules described with reference to Figs. 6A and 6B. Each computer program product may be in the form of one or more computer programs provided on a carrier medium, e.g., forming a computer readable medium. The carrier medium may be a solid state, magnetic, optical, photonic, or other storage medium such as a storage medium. The carrier medium may be a transmission medium, such as a broadcast, telephone, computer network, wired, wireless, electrical, electromagnetic, optical or any other transmission medium.

It should be noted that the term "payment card " as used herein is used in a generic manner to describe a token or device or carrier that may be used to perform transactions based on an associated account. A "payment card" does not need to take the form of a conventional rectangular plastic credit card, perhaps with an integrated chip incorporated therein, but a "payment card" , Device, or any other form capable of operating as another type of carrier. For example, within the meaning of the term "payment card" as used herein, a payment system may be used as a "payment card" for mobile telephones, personal digital assistants (PDAs), or other carriers of information Or allow such use. In such a case, the mobile telephone is usually provided with a chip or software having a function equivalent to the function of the chip of the EMV card. Thus, as referred to herein for a payment card, a "payment card" is a payment token, device or carrier configured to perform transactions based on an associated account, e.g., (E. G., Via contact or in a non-contact manner) and / or any suitable form that may be operable as a means of appropriate software.

It should be understood that although it is mentioned to "tap" a mobile communication device on an NFC interface module of a transaction terminal system, it is referred to as an example of interfacing NFC interface modules of a mobile communication device and a transaction terminal system. The physical contact between the NFC interface modules of the mobile communication device and the transaction terminal system may not be required and indeed in the exemplary embodiments the NFC interface modules of the mobile communication device and the transaction terminal system are coupled to the NFC interface module of the mobile communication device It may only be necessary to be sufficiently close to being within the effective field range of the NFC interface module of the transaction terminal system. Thus, reference to "tap" or "tapping ", as used herein, refers to taking the NFC interface module of the mobile communication device in sufficient proximity to the NFC interface module of the transaction terminal system, Quot; is understood to mean within the effective field range of < / RTI >

Although the embodiments described above have been described in detail, numerous variations and modifications will become apparent to those skilled in the art once the above disclosure is fully appreciated. The following claims are intended to be construed to include all such variations and modifications and their equivalents.

Claims (35)

In response to interfacing a mobile communication device configured for Near Field Communication (NFC) with an NFC interface module of a transaction terminal system, exchanging information between the mobile application on the mobile communication device and the transaction terminal system, The information
Information held by the transaction terminal system indicating a terminal system currency of the transaction terminal system, and
Information held on the mobile communication device indicative of a user call
The method comprising the steps of: exchanging the information;
Comparing, by the transaction terminal system or the mobile application, the terminal system call with respect to the user call and, if there is a difference, causing the call selection subject to be displayed on the display of the mobile communication device; And
Responsive to the user selecting the user call, causing a transaction to be performed with the user call. The method according to claim 1,
Wherein the display of the mobile communication device is configured to allow a user to select a call selection offer, the transaction being performed in the user call in response to a user selection of a call selection subject using the display of the mobile communication device How to become. 3. The method according to claim 1 or 2,
Wherein the exchange of information is performed in response to at least a first tap of the mobile communication device on the NFC interface module of the transaction terminal system. 4. The method according to any one of claims 1 to 3,
Wherein causing the call selection subject to be displayed on the display of the mobile communication device comprises displaying an amount of a transaction in at least one call comprising at least one of the terminal system call and the user call , Way. 5. The method according to any one of claims 1 to 4,
Wherein the step of causing the call selection subject to be displayed on the display of the mobile communication device comprises the steps of: displaying an amount of a transaction in at least one call including the user call; Displaying at least one of a call conversion rate and a call conversion fee. The method according to claim 4 or 5,
Wherein the amount of the transaction is determined by the transaction terminal system as a result of inputting information about goods or services to be purchased. 7. The method according to any one of claims 1 to 6,
In response to the mobile communication device being interfaced with the NFC interface module of the transaction terminal system, the mobile application is activated for the exchange of information. 8. The method according to any one of claims 1 to 7,
And maintaining call exchange values for switching transaction amounts between calls, by at least one of the transaction terminal system or the mobile application. 9. The method of claim 8,
Wherein the currency conversion value identifies the currency conversion rate between the first currency and the second currency and indicates the expiration of the validity of the currency conversion rate. 10. The method of claim 9,
Wherein one of the transaction terminal system or the mobile application accesses a currency conversion value for which the validity of the call conversion rate has expired, the one of the transaction terminal system or the mobile application sends to the remote server How to access. 11. The method according to any one of claims 1 to 10,
Determining a location of the mobile communication device by using geo-location, wherein the mobile communication device is connected to a location of the mobile telecommunications cell, or the mobile communication device is connected to a location of a transaction terminal system, Determining a location of the communication device; and causing the call conversion values to be downloaded from the remote server to the mobile application based on the determined location of the mobile communication device. 12. The method according to any one of claims 1 to 11,
In response to determining the terminal system call and the user call as a result of the comparison of the terminal call to the user call by the transaction terminal system or the mobile application, Causing the current currency conversion value to be downloaded from the remote server to either the transaction terminal system or the mobile application. 13. The method according to any one of claims 1 to 12,
Maintaining, by at least one of the transaction terminal system and the mobile communication device, a session identifier that identifies a transaction session, wherein the session identifier identifies a stage in the processing of the session, whereby the session is identified by a break in the NFC communication Wherein upon an interrupted event, the session can be restarted by resuming an NFC session. 14. The method according to any one of claims 1 to 13,
Wherein at least one of the transaction terminal system and the mobile communication device is operable to identify a break in NFC communications and to prompt the user to re-establish an interface between the mobile communication device and the transaction terminal system. 15. The method according to any one of claims 1 to 14,
Comparing, by the transaction terminal system or the mobile application, the terminal system call to the user call and, if there is a difference, causing the call selection subject to be displayed on the display of the mobile communication device,
In response to a determination that the mobile application's mobile application stores user call preference preference parameters, determines conversion rates and amounts, and that the call offer meets stored user call preference preference parameters, To be a display of a call selection subject on the display. 16. The method of claim 15,
The mobile application determines that the mobile communication device is in a country other than the home country of the mobile communication device, prompts the user to select user preference parameters to be selected, and stores user preference preference parameters to be selected How to. 17. A computer program product comprising program code operable to perform the method of any one of claims 1 to 16. A transaction terminal system comprising a near field communication (NFC) interface module,
In response to interfacing of the mobile communication device configured for NFC with the NFC interface module of the transaction terminal system,
The information being exchanged as an exchange of information between the mobile application on the mobile communication device and the transaction terminal system,
Information held by the transaction terminal system indicating a terminal system call of the transaction terminal system, and
Information held on the mobile communication device indicative of a user call
To allow the exchange of the information;
Compare the terminal system call against the user call and, if there is a difference, cause the call selection subject to be displayed on the display of the mobile communication device; And
In response to a user selection of the user call, causing a transaction to be performed in the user call
The transaction terminal system. 19. The method of claim 18,
Wherein the display of the mobile communication device is configured to allow a user to select a call selection offer, the transaction being performed in the user call in response to a user selection of a call selection subject using the display of the mobile communication device Transaction terminal system. 20. The method according to claim 18 or 19,
And to perform the exchange of the information in response to at least a first tap of the mobile communication device on the NFC interface module of the transaction terminal system. 21. The method according to any one of claims 18 to 20,
And determine an amount of the transaction as a result of inputting information about the goods or services to be purchased. 23. The method according to any one of claims 18 to 22,
In response to determining that the terminal system call and the user call are different, to cause a current call transfer value from the transaction call to the user call to be downloaded from the remote server to the transaction terminal system. 24. The method according to any one of claims 18 to 23,
Wherein the session identifier is configured to identify a stage in the processing of the session so that when the session is interrupted by a break in the NFC communication, the session is restarted by resuming the NFC session A transaction terminal system. 24. The method according to any one of claims 18 to 23,
And to prompt the user to identify a break in the NFC communication and to re-establish an interface between the mobile communication device and the transaction terminal system. A mobile communication device comprising a proximity field communication (NFC) interface module,
In response to interfacing of the mobile communication device with an NFC interface module of a transaction terminal system,
Wherein the information exchanged between the mobile application on the mobile communication device and the transaction terminal system,
Information held by the transaction terminal system indicating a terminal system call of the transaction terminal system, and
Information held on the mobile communication device indicative of a user call
To perform the exchange of the information;
In response to receiving a call selection subject offer from the transaction terminal system, displaying a call selection subject on the display of the mobile communication device; And
In response to a user selection of the user call, to send a user selection for a transaction to be performed in the user call to the transaction terminal system
≪ / RTI > 26. The method of claim 25,
Wherein the display of the mobile communication device is configured to allow a user to select a call selection offer, the transaction being performed in the user call in response to a user selection of a call selection subject using the display of the mobile communication device The mobile communication device comprising: 27. The method of claim 25 or 26,
And to perform the exchange of information in response to at least a first taps of the mobile communication device on the NFC interface module of the transaction terminal system. 28. The method according to any one of claims 25 to 27,
Wherein the terminal is configured to display an amount of transactions in at least one call that includes at least one of the terminal system call and the user call. 29. The method according to any one of claims 25 to 28,
And display at least one of a call conversion rate and a call conversion fee between the terminal system call and the user call and to display an amount of transactions in the at least one call that includes the user call. 30. The method according to any one of claims 25 to 29,
Wherein the mobile communication device is configured to enable the mobile application to be activated for the exchange of information in response to the mobile communication device being interfaced with the NFC interface module of the transaction terminal system. 31. The method according to any one of claims 25 to 30,
Wherein the session identifier is configured to identify a stage in the processing of the session so that when the session is interrupted by a break in the NFC communication, the session is restarted by resuming the NFC session A mobile communication device. 31. The method according to any one of claims 25 to 30,
And to prompt the user to identify a break in the NFC communication and to re-establish an interface between the mobile communication device and the transaction terminal system. 17. A mobile application for a mobile communication device comprising a proximity field communication (NFC) interface module,
Wherein the mobile communication device is configured to exchange information between the mobile communication device and the transaction terminal system in response to interfacing with an NFC interface module of the transaction terminal system, The information includes at least transaction information received from the transaction terminal system by the mobile application of the mobile communication device,
The mobile application comprising:
The mobile communication device,
To store user preference parameters for user call selection;
To determine conversion rates and amounts; And
In response to determining that the call offer meets the stored user call preference preference parameters, causing the display of the call selection subject on the display of the mobile communication device to < RTI ID = 0.0 > To be performed
A mobile application that is operational. 34. The method of claim 33,
The mobile communication device,
Displaying a record of the transaction on the display of the mobile communication device; And
Storing a record of the transaction in the storage of the mobile communication device
, ≪ / RTI > 35. The method according to claim 33 or 34,
The mobile communication device,
To determine that the mobile communication device is in a country other than the home of the mobile communication device;
To prompt the user to select user currency selection target preference parameters; And
To store the user-selected currency selection target preference parameters
A mobile application that is also operational.

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