RU103021U1 - SYSTEM OF ELECTRONIC PAYMENT FOR GOODS AND SERVICES - Google Patents

Abstract

 An electronic payment system for goods and services comprising a user’s mobile communication terminal, a mobile operator’s service center associated with the user's mobile terminal, electronic payment acceptance and payment terminals (POS terminals) connected to the electronic money issuer server, characterized in that the mobile the user communication terminal further comprises a security element for processing and storing data on available funds to the user, executed on a physical medium-chip, etc. emoperedatchik for rf interaction at short distances, with terminals for receiving and payment of electronic payments (POS-terminals) are additionally equipped with radio frequency transceiver for interaction at close distances compatible with the radio-frequency interaction transceivers of mobile terminals.

Description

The utility model relates to the field of payment for goods and the provision of various types of services using network technologies.

A known system for paying for various goods / services using a mobile phone, comprising a user’s mobile communication terminal, a mobile operator’s service center connected to a mobile communication terminal, a service providing server connected with its first input / output with a mobile operator’s service center, a processing server the center associated with the second input / output server providing services, and the mobile communication terminal of the user is configured to initiate the payment of goods / communication services through by sending SMS or USSD requests through the service center of the mobile operator to the server providing services (US 2003046236, G06F 17/60, published 06.03.2003)

The closest in technical essence and the achieved result is a system for paying for services of trade and service enterprises - gas stations using a mobile phone, which contains a gas station service payment terminal, a user’s mobile communication terminal, a mobile operator’s service center associated with the user’s mobile communication terminal , a gas station server connected by its first input / output to the service center of the mobile operator, and the second input / output - from the terminal om payment for services of a gas station, a processing center server associated with the third input / output of a gas station server, wherein the gas service payment terminal is configured to be activated by a user’s mobile communication terminal via SMS or USSD request through a service center of a cellular operator to a gas station server , selection of the variety and quantity of goods / services and the initiation of a transaction for the purchase of goods / services, the gas station server is configured to transfer receive messages on its third input / output to the server of the processing center to pay for goods / services, - transfer messages on its first input / output to the user's mobile terminal through the service center of the mobile operator, - send a message on its second input / output to the payment terminal for gas station stations for the provision of goods / services. (Utility Model No. 59294 of 12/10/2006)

The objective of the utility model is to develop a secure electronic payment system for goods and services using a mobile communication terminal with a local contactless interface.

The technical result is to provide convenience to the user of electronic payment for goods and services of trade and service enterprises.

The problem is solved and the technical result is achieved in that the electronic payment system for goods and services, comprising a user’s mobile communication terminal, a mobile operator’s service center associated with the user's mobile terminal, electronic payment acceptance and payment terminals connected to the electronic money issuer’s server is different the fact that the mobile communication terminal of the user further comprises a security element for processing and storing data on available cash environments devices, executed on a physical medium (microcircuit) and a transceiver for radio frequency interaction at close distances, equipped with a local contactless interface.

The terminals for receiving and paying electronic payments (POS-terminals) are additionally equipped with a transceiver for radio-frequency interaction at close distances, equipped with a local contactless interface.

The electronic cash balance in the mobile terminal is located in the security element. The user through the screen and keyboard of the mobile terminal has the ability to:

- find out the balance of electronic funds in the mobile terminal

- find out the list and data of completed financial transactions (payment for goods and services, balance replenishment)

- manage balance replenishment

- manage access to the security element (enable / disable transactions, establish a confirmation requirement for the transaction, etc.)

The electronic payment system for goods and services using a mobile communication terminal with a local contactless interface is intended for use in trade and service enterprises that have POS terminals equipped with a transceiver for radio frequency communication at short distances (contactless reader), preferably ISO 14443 standard.

Within the framework of the mentioned system, the following functions are implemented:

- automatic payment of goods and services through electronic money placed in the security element of the mobile terminal through radio frequency interaction at close distances (local contactless interaction)

- remote replenishment of electronic cash balance via SMS or GPRS interface.

Payment for goods and services is carried out by the interaction of the security element and the POS terminal (contactless reader connected to the POS terminal) through a transceiver, preferably according to ISO 14443, preferably using EMV specifications.

The electronic money balance in the mobile device is replenished through interaction via the network interfaces of the mobile terminal (SMS or GPRS) with the electronic money issuer’s server, through the service center of the mobile radio operator.

The security element can be implemented as a separate structural element on the board of a mobile terminal, can be implemented in the SIM card of a mobile terminal, in this case, a separate programmable chip is understood as a SIM card or as a separate removable element (like a memory card), access to the functionality of which is carried out by its hard connection to the mobile terminal.

Currently, such mobile terminals are produced on a commercial basis by the world's largest manufacturers of mobile phones, such as Nokia and Samsung. As specific models of such phones, you can specify Nokia 6131 NFC, Nokia 6212 Classic and Samsung S5230 NFC, Sagem My 700X Contactless, Sagem Cosyhpone.

The scheme for making a payment through a mobile communication terminal with a local contactless interface is shown in Fig. 1., where 1 is the mobile communication terminal of the user, 2 is the service center of the mobile operator associated with the mobile communication terminal of the user 1, 3 is the server of the issuer of electronic funds, 4 - security element of a mobile terminal for processing and storing data on available funds to the user made on a physical medium (microcircuit), 5 - transceiver for radio frequency interaction televisions at close distances with a local contactless interface, 6 - POS-terminals for receiving and paying electronic payments, 7 - transceiver (contactless reader) of a POS-terminal for radio-frequency interaction at close distances with a local contactless interface.

To pay for goods or services, the user brings his mobile terminal 1 to the seller’s POS terminal for receiving and paying electronic payments of seller 8, while the cost of the paid goods or services is deducted from the electronic money balance in security element 4 of the mobile terminal. The interaction of the security element 4 and the POS of terminal 6 is carried out by means of a transceiver 5 on the side of the mobile terminal and a transceiver 7 (contactless reader) connected to the POS terminal via a wired interface or rigidly mounted in a POS terminal. After authorization of the payment (on-line or off-line), the user receives an SMS message about the financial transaction made from the server of the electronic money issuer 3.

When making a payment for a product or service, a PIN code can be used to authorize a user:

a) to allow the security element to write off funds from the balance in the mobile terminal, in this case the PIN code is dialed on the keyboard of the mobile communication terminal,

b) to authorize the user by the seller, in this case, the PIN code is dialed on the keyboard of the POS terminal.

c) it is possible to combine the use of PIN codes according to a) and b).

To replenish the balance of electronic money in the mobile terminal, the user via the menu in the mobile terminal generates a request to the server of the issuer of electronic money 3, which is transmitted from the mobile terminal to the server via SMS or GPRS through the service center of the mobile radiotelephone operator 2. In this case, identification the user is carried out by the service center of the mobile radio operator by the number of the mobile terminal in the network of the communication operator. The mentioned service center 2 submits a balance replenishment request associated with the number of the user's mobile terminal in the network of the communication operator to the electronic money issuer 3. Then the issuer sends electronic money to the electronic money issuer 3 in the security element 4 of the mobile terminal 1 via SMS or GPRS .

Replenishment of a mobile wallet can be carried out:

a) from the funds in the personal account of the subscriber with the mobile radiotelephone operator,

b) from funds in the user's bank account,

c) from funds placed by the user in the payment system,

and is carried out by contacting the issuer of electronic funds to the appropriate source of funds.

Claims (1)

An electronic payment system for goods and services comprising a user’s mobile communication terminal, a mobile operator’s service center associated with the user's mobile terminal, electronic payment acceptance and payment terminals (POS terminals) connected to the electronic money issuer server, characterized in that the mobile the user communication terminal further comprises a security element for processing and storing data on available funds to the user, executed on a physical medium-chip, etc. emoperedatchik for rf interaction at short distances, with terminals for receiving and payment of electronic payments (POS-terminals) are additionally equipped with radio frequency transceiver for interaction at close distances compatible with the radio-frequency interaction transceivers of mobile terminals.