NL1010552C2 - Method of providing proof of payment for a service to be provided, and system of checking proofs of payment. - Google Patents

Method of providing proof of payment for a service to be provided, and system of checking proofs of payment. Download PDF

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Publication number
NL1010552C2
NL1010552C2 NL1010552A NL1010552A NL1010552C2 NL 1010552 C2 NL1010552 C2 NL 1010552C2 NL 1010552 A NL1010552 A NL 1010552A NL 1010552 A NL1010552 A NL 1010552A NL 1010552 C2 NL1010552 C2 NL 1010552C2
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NL
Netherlands
Prior art keywords
payment
transaction
characterized
code
proof
Prior art date
Application number
NL1010552A
Other languages
Dutch (nl)
Inventor
Rob Pieterse
Niels Alexander Van Golden
Johannes Francis Gerlofs
Rudi Schramp
Original Assignee
Koninkl Kpn Nv
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
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Family has litigation
Application filed by Koninkl Kpn Nv filed Critical Koninkl Kpn Nv
Priority to NL1010552A priority Critical patent/NL1010552C2/en
Priority to NL1010552 priority
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Publication of NL1010552C2 publication Critical patent/NL1010552C2/en
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=19768137&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=NL1010552(C2) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.

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Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342Cards defining paid or billed services or quantities
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F17/00Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Description

Title: Method for providing proof of payment for a service to be provided, as well as proof of payment verification system.

The invention relates to a method for providing a proof of payment for a service to be provided, comprising carrying out a payment transaction using an electronic payment card and a payment station, which payment station 5 is arranged to produce a transaction code representing the transaction and an authentication code related to the transaction code. Such a method is known in practice.

Electronic payment cards, ie cards provided with an electronic circuit for carrying out payment transactions, are increasingly being used in practice. During a payment transaction, the electronic payment card works together with a payment station or terminal, such as a cash register equipped with a card reader. During the transaction, data is exchanged between the electronic payment card and the payment station. An example of such an exchange of data is described in European patent application EP 0.637.004.

Some of this data, namely data that characterize the transaction in question, is stored by the payment station as a transaction code or "transaction record". This transaction code, which includes the amount of the payment transaction, among other things, serves to settle the payment transaction with one or more financial institutions (for example banks) afterwards. The payment station adds an authentication code to the transaction code in order to guarantee the authenticity of the transaction code.

25 Electronic payment cards are used to purchase receipts for services to be provided, such as public transport tickets (bus and train tickets), theater, cinema and museum admission tickets, and the like. The electronic payment card serves for the execution of the payment transaction, after which a paper payment receipt (ticket, admission ticket, etc.) is issued. The payment receipt generally also includes identification data identifying the service to be provided, such as a date, a time, a destination and / or a seat.

Dutch patent application NL 93.01902 discloses a 1010552 2 method for paying with an electronic payment card for a service to be provided, wherein the proof of payment is stored on the payment card. When purchasing the service (for example, gaining access to a theater), the receipt is electronically read by an access terminal and subsequently deleted. The proof of payment for this served method consists of an access code, possibly supplemented with an identification code of the payment card. However, this known method is susceptible to fraud, since no provisions have been made to secure the access code. It is therefore relatively easy for fraudsters to affix an access code to the card themselves, or to change an access code once affixed.

Anti-fraud techniques for storing payment certificates in a payment card in electronic form are described in European patent applications EP 0.823.694 and EP 0.829.828. However, this concerns specific data structures for storing and using payment certificates in electronic form. No provision is made for paper payment receipts.

The object of the invention is to eliminate the above and other drawbacks of the prior art and to indicate a method for providing a proof of payment for a service to be provided, which makes it possible to generate a secure payment proof in a very simple manner.

Another object of the invention is to provide a method for providing a proof of payment for a service to be provided, making as much use as possible of available means and data.

According to the invention, a method of the type mentioned in the opening paragraph is for this purpose characterized by adding identification data identifying the service to be supplied to the transaction code in order to form an extended transaction code, and printing the extended transaction code and the authentication code on a substrate. to provide proof of payment.

By printing the combination of the transaction code and the authentication code 35 on a substrate, a proof of payment is easily obtained in which the data characteristic of the transaction are included. This uses data that has already been generated by the payment station, namely the 1010552 3 transaction code and the associated authentication code.

By adding identification data identifying the service to be provided to the transaction code, a further specification of the proof of payment is provided if necessary. The identification data 5 can, for example, indicate a time, a destination or a seat. Optionally, however, the identification data can also have a zero value, that is to say, be "empty", as a result of which, in fact, this is not added, depending on the service to be provided.

The substrate on which the proof of payment is printed may be, for example, a piece of paper, cardboard or plastic, or a combination thereof.

In principle, it is possible to add the identification data to the transaction code after the authentication code has been formed. Preferably, however, the method according to the invention is characterized by producing the authentication code after adding the identification data to the transaction code. In this way, the authentication code also guarantees the authenticity of the identification data, whereby the identification data are also protected against fraud. Preferably, the authentication code is therefore produced cryptographically, so that this code cannot be forged.

In the cryptographic production of the authentication code, the method according to the invention makes use of the fact that the cryptographic means required for this are already present in the payment card and the payment station. It is therefore not necessary to provide and manage additional cryptographic resources. The cryptographic resources to be used can therefore be supplied and managed by an external party, such as a financial institution.

It should be noted that from European patent application EP

0,294,397 a system is known where printing postage codes containing postage codes on envelopes. The system uses a physically secured printing unit. In addition, the franking code includes an encoded marker printed with invisible ink. These measures make the known system relatively complicated and expensive.

In the method according to the invention, a non-secure printing unit can be used and printing with only 1 0 1 5 5 3 2 4 visible ink can be carried out, since the authentication code offers sufficient protection against fraud (making changes). Moreover, the method according to the invention is not primarily aimed at postal applications, but at admission tickets for (public) transport, theaters, etc.

Advantageously, the method according to the invention is characterized by printing the transaction code in human-readable form. This allows the proof of payment to be easily read by a human inspector. Preferably, however, the authentication code 10 is printed in machine-readable form, for example as a so-called barcode ("barcode").

An embodiment of the method according to the invention is characterized by storing the proof of payment in the payment card. This makes it possible, firstly, to print the proof of payment only later on a suitable substrate, that is to say, not during the transaction in which the service to be provided has been paid for. This also provides the option of completely omitting the printing of the payment receipt. The proof of payment may be presented in electronic form 20 in the event of a possible check.

The invention further provides a device for providing a proof of payment for a service to be provided, which device comprises means for executing a payment transaction with an electronic payment card, which means are arranged for producing a transaction code representing the transaction and a transaction code the transaction code-related authentication code, which according to the invention is characterized in that the means are further arranged for adding to the transaction code identification data identifying the service to be supplied in order to form an extended transaction code, and printing the extended transaction code on a substrate. and the authentication code to form a receipt. The invention also provides a system for checking payment receipts, characterized by at least one local checking device, which comprises input means, processor means and communication means, a central checking device, which comprises a checking module, and a telecommunication connection, which is connected to the local checking The device and the central control device are coupled to 1010552, cryptographic keys required for checking are only present in the central control device.

Preferably, such a system is characterized by a data file for registering payment receipts stored in the central control device, the central control device being arranged for issuing an error message if a payment certificate presented to the data file has already been registered. This provides additional protection against fraud since detecting the same receipt more than once is detected.

Such a system is advantageously characterized by registering in the database only a part of each proof of payment, preferably the extended transaction code. As a result, the required storage capacity of the data file is reduced, while the search speed of the registered payment receipts is increased.

The invention will be explained in more detail below with reference to the figures.

FIG. 1 schematically shows a system for providing a proof of payment in which the invention can be applied.

Fig. 2 schematically shows a receipt according to the invention.

Fig. 3 schematically shows a payment station for providing a payment receipt according to the invention.

The system for providing a proof of payment which is shown only schematically and by way of example in figure 1 comprises an electronic payment card 1 and a payment station 2. The electronic payment card 1 comprises, for example, a substrate 10, 30 in which an integrated circuit (IC) 11 is accommodated. . The integrated circuit 11 is arranged for, among other things, carrying out payment transactions. Although a card-shaped substrate 10 is shown in Figure 1, it will be clear that the shape or even the presence of the substrate 10 is not essential to the invention.

The payment station 2 is, for example, an electronic cash register which is equipped with a card reader 12. The payment station 2 preferably also comprises a so-called 'security module' 13, in which balances, cryptographic keys, etc. stored securely. A safety module can be formed by a single special integrated circuit. An example of a security module, referred to as a security application module ("Secure Application Module", SAM), is described in International Patent Application WO 98/02854.

During a payment transaction, an exchange of 10 messages takes place between the payment card 1 and (the security module 13 of) the payment station 2. In the course of the transaction, (the security module 13 of) the payment station 2 records a number of transaction data, which together form the transaction code 4 (see figure 2). The transaction code 4 can for instance comprise: - date and time of the transaction; 15 - identification of the payment station; - amount of the transaction; - identification of the safety module; - identification of the payment card.

For example, one or more of the following 20 identification data to be provided for the service to be provided may be added to this transaction code: - date and time of the service; - identification of the service provider; - nature of the service.

According to the invention, the identification data is added to the transaction code 4. The combination of (original) transaction code 4 and identification data 6 forms the extended transaction code 4 '.

At the end of the transaction, the security module 13 of the payment station 2 determines an authentication code on the basis of the transaction code 4 (extended with the identification data 6), a cryptographic algorithm and a cryptographic key. The payment receipt thus formed can then be printed on a substrate using a suitable printing unit. In addition, a non-secure printing unit can be used and visible ink can be used. The security of the proof of payment is provided by the authentication code, which makes it impossible to imperceptibly change the extended transaction code.

1 0 1 ö 5 5 2 7

It should be noted that the transaction code is itself created by default by a security module in a transaction. Such a transaction code, also known as a "transaction record" or "transaction log", allows the subsequent payment to be settled with a financial institution. The invention uses the fact that a transaction code plus authentication code are generated for each transaction to provide a proof of payment in a simple manner. The invention further makes use of the fact that the (cryptographic) means for producing the authentication code are already present in the payment card and the payment station.

The invention is therefore based on the insight that the combination of transaction code and authentication code, optionally supplemented with the identification data service characteristic, can be used as proof of payment. The invention is also based on the further insight that existing cryptographic means (keys, payment cards and payment stations) can be used for securing payment certificates, so that it is not necessary to provide a separate cryptographic security for this purpose.

The receipt 3 shown in figure 2 is printed on a substrate 7. This substrate 7 is preferably a piece of paper, but it can also be formed by a piece of plastic or cardboard. Printing on paper can be performed using an ordinary, non-secure, printer ("printer").

The receipt 3 of figure 2 consists of an (extended) transaction code 4 'and an authentication code 5. The transaction code 4' is printed in a human-readable form comprising letters and 30 digits, as well as in a machine-readable form, such as a barcode. The authentication code 5 is printed in a machine-readable form and in the example shown is also formed by a barcode. It is, of course, also possible to print the authentication code 5 in a human-readable form. In that case too, the authentication code 5 can possibly be read by a machine, but a more expensive machine is required.

For checking payment receipts provided in accordance with the invention, a local checking device 30 may be provided with a barcode reader 31 known on 1 0 1 0 5 5 2 8, as shown in Fig. 3. Optionally, the reader 31 can be replaced or supplemented by a keyboard for manually entering the transaction and / or authentication code.

The reader 31 reads the authentication code 5 and, if the transaction code 4 is also printed in the form of a barcode, also the transaction code 4 including the identification data 6 of the proof of payment 3. Then the processor 32 of the device 30 carries the authentication code 5 and the (extended) transaction code 4 'over 10 to a central control device 35, which is connected, for example, via a telephone line 34 to the local device 30. To this end, the device 30 is provided with a suitable coupling circuit 33, such as a modem, which is connected between the processor 32 and the telephone line 34.

The central device 35 is provided with a module 36 (so-called.

"host security module") which can check the authentication code 5. The module 36, which is coupled to the telephone line 34 by means of a suitable coupling circuit 38, contains a suitable cryptographic process with associated keys for checking. In the event that the authentication code and the (extended) transaction code do not match, the proof of payment will not be accepted. For this purpose, a suitable message ("not accepted") is issued to the local control device 30. The proof of payment may possibly be re-read a limited number of times.

In case the calculated authentication code corresponds to the read authentication code, the transaction code is passed on to a central data file 37, which can also be accommodated in the central control device 35. On the basis of the data file 37 it is checked whether the relevant proof of payment has been previously registered. If this is the case, the relevant proof of payment has apparently already been used and a corresponding message (eg "not accepted") is issued to the local establishment 30. If the proof of payment has not yet been registered, this is now done for the purpose of a possible later check and, if necessary, a corresponding notification (eg "accepted") is issued to the local establishment 30. Such double check offers additional fraud protection.

The invention can equally be applied to payment cards ï (J 1 0 5 5 2 9 which have to be introduced into a card reader during operation as with so-called contactless payment cards. Furthermore, the party providing the payment certificates (supplier of payment certificates) and the party providing the payment payment cards and payment stations (supplier of 5 payment methods) supplies two different parties, but are also one and the same party.

It will therefore be clear to those skilled in the art that the invention is not limited to the embodiments shown and that many modifications and additions are possible without departing from the scope of the invention.

i? 0 552

Claims (17)

  1. Method for providing a proof of payment (3) for a service to be provided, comprising carrying out a payment transaction using an electronic payment card (1) and a payment station (2), which payment station is arranged to produce a the transaction representing transaction code (4) and an authentication code (5) related to the transaction code (5), characterized by adding to the transaction code (4) 10 identification data (6) identifying the service to be supplied in order to provide an extended transaction code 4 ' and printing the extended transaction code (4 ') and the authentication code (5) on a substrate (7) to form a receipt (3).
  2. Method according to claim 1, characterized by producing the authentication code (5) after adding the identification data (6) to the transaction code (4).
  3. Method according to claim 1 or 2, characterized by cryptically producing the authentication code (5).
  4. Method according to claim 1, 2 or 3, characterized by printing the transaction code (4, 4 ') in human readable form.
  5. Method according to any of the preceding claims, characterized by printing the authentication code (5) in machine-readable form.
  6. Method according to one of the preceding claims, characterized by storing the proof of payment (3) in the payment card (1).
  7. Method according to claim 6, characterized by securing the payment receipt (3) stored in the payment card (1) against overwriting.
  8. Method according to one of the preceding claims, characterized by the use, inter alia, of a date and time of the service to be provided as identification data (6).
  9. Method according to any of the preceding claims, characterized by using the amount and time of the transaction to form the transaction code (4).
  10. Method according to any one of the preceding claims, characterized by checking the proof of payment (3) on both the transaction code (4) and identification data (6) and the authentication code (5) when purchasing the service to be provided. ). 1 0 1 5 5 2
  11. Method according to claim 10, characterized by reading the proof of payment (3), then reproducing the authentication code (5) and comparing the reproduced and read authentication codes (5).
  12. Method according to claims 10 or 11, characterized by keeping checked payment receipts (3) in a central system (35).
  13. 13. Device (2) for providing a proof of payment (3) for a service to be provided, which device comprises means (12, 13) for carrying out a payment transaction with an electronic payment card (1), which means are arranged for producing a transaction code (4) representing the transaction and an authentication code (5) related to the transaction code (5), characterized in that the means (12, 13) are further arranged for adding to the transaction code (4) of identification data (6) identifying the service to be provided to form an extended transaction code (4 '), and printing the extended transaction code (4') and the authentication code (5) on a substrate (7) in order to provide a proof of payment (3 ) to shape.
  14. System for checking payment receipts, characterized by - at least one local checking device (30), which comprises input means (31), processor means (32) and communication means (33), - a central checking device (35), which a control module (36) 25, and - a telecommunication connection (34) coupled to the local control device (30) and the central control device (35), cryptographic keys required for checking only in the central control device (35) are present.
  15. System according to claim 14, characterized by a database (37) for recording payment receipts (3) housed in the central control device (35), the central control device (35) being arranged for issuing an error message if a proof of payment (3) 35 presented to the database (37) has already been registered.
  16. System according to claim 15, characterized by registering in the database (37) only part of each proof of payment (3), preferably the extended transaction code (4 '). 0552
  17. Central control device (35) for use in a system according to any one of claims 14-16. u 1 0 5 5 2
NL1010552A 1998-11-13 1998-11-13 Method of providing proof of payment for a service to be provided, and system of checking proofs of payment. NL1010552C2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
NL1010552A NL1010552C2 (en) 1998-11-13 1998-11-13 Method of providing proof of payment for a service to be provided, and system of checking proofs of payment.
NL1010552 1998-11-13

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
NL1010552A NL1010552C2 (en) 1998-11-13 1998-11-13 Method of providing proof of payment for a service to be provided, and system of checking proofs of payment.
EP19990952642 EP1129434A1 (en) 1998-11-13 1999-11-02 Method of providing a voucher for a service to be rendered, as well as a system for checking vouchers
PCT/EP1999/008318 WO2000030045A1 (en) 1998-11-13 1999-11-02 Method of providing a voucher for a service to be rendered, as well as a system for checking vouchers
AU64763/99A AU6476399A (en) 1998-11-13 1999-11-02 Method of providing a voucher for a service to be rendered, as well as a system for checking vouchers

Publications (1)

Publication Number Publication Date
NL1010552C2 true NL1010552C2 (en) 2000-05-16

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ID=19768137

Family Applications (1)

Application Number Title Priority Date Filing Date
NL1010552A NL1010552C2 (en) 1998-11-13 1998-11-13 Method of providing proof of payment for a service to be provided, and system of checking proofs of payment.

Country Status (4)

Country Link
EP (1) EP1129434A1 (en)
AU (1) AU6476399A (en)
NL (1) NL1010552C2 (en)
WO (1) WO2000030045A1 (en)

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EP1315129B1 (en) * 2001-11-23 2010-02-24 SCHEIDT & BACHMANN GMBH Method for the use of automatic systems
WO2008062386A2 (en) * 2006-11-24 2008-05-29 Churchill Elmarie Monitoring of tickets
EP2026267A1 (en) 2007-07-31 2009-02-18 Nederlandse Organisatie voor toegepast- natuurwetenschappelijk onderzoek TNO Issuing electronic vouchers
US8312033B1 (en) 2008-06-26 2012-11-13 Experian Marketing Solutions, Inc. Systems and methods for providing an integrated identifier
US8931058B2 (en) 2010-07-01 2015-01-06 Experian Information Solutions, Inc. Systems and methods for permission arbitrated transaction services
US9147042B1 (en) 2010-11-22 2015-09-29 Experian Information Solutions, Inc. Systems and methods for data verification
US9607336B1 (en) 2011-06-16 2017-03-28 Consumerinfo.Com, Inc. Providing credit inquiry alerts
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Publication number Publication date
AU6476399A (en) 2000-06-05
EP1129434A1 (en) 2001-09-05
WO2000030045A1 (en) 2000-05-25

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