RU2642360C1 - Method of initializing bank transactions without using pos-terminals and system for its implementation - Google Patents

Abstract

FIELD: physics.

SUBSTANCE: system includes a smartphone of the "Buyer" with the function of receiving and transmitting SMS-messages, connected via the mobile communication channels with the issuing bank of the "Buyer" and banking acquirers of the banking system, the bank card of the "Buyer", the smartphone of the "Seller" with the function of receiving and transmitting SMS-messages, connected via the wireless Internet channels of mobile communication with the issuing bank of the "Seller" and the acquiring banks of the banking system. The functions of emulating the POS-terminal, the functions of implementing the contactless technology "EMV Contactless", and/or the functions of implementing the technology "E-Commerce" are implemented in the smartphone of the "Seller". The method describes the system operation.

EFFECT: extending the range of technical facilities.

2 cl, 4 dwg

Description

The invention relates to the field of technology relating to the implementation of cashless transactions, in particular to methods for providing remote transactions using mobile networks and Internet channels.

Payment cards (credit or debit) are used by millions of people around the world to enforce various types of business transactions. In a typical transaction involving the purchase of a product or service directly from a merchant, the card is presented at the point of sale terminal (POS terminal) located at that merchant. The POS terminal may be a card reader or similar device that can access data stored on the card, which may include, for example, identification or authentication data. The data read from the card is transferred to the merchant’s transaction processing system and then transmitted to the acquirer, which is usually a bank or other organization that manages the merchant’s account. Then, the data provided to the acquirer can be transferred to a payment processing system, which exchanges messages with processing centers that process data on transactions to make a decision on the possibility of allowing each operation to be performed, and participates in the implementation of actions on such an operation. The decision to authorize the operation and make settlements on this operation may also include providing communication and / or data exchange between the payment processing system and the bank or organization (issuer) that issued the payment device to the consumer.

In a typical payment transaction, data from the point of sale terminal is transmitted to the issuer to authenticate the consumer and obtain permission to perform the operation. As part of the authentication process or obtaining permission to perform the operation, other elements of the transaction processing system can access or process this data (for example, an acquirer of a trading company or a processing center that is part of a payment processing system). In some cases, permission to carry out the operation can be obtained without connecting to the issuer, in particular, the issuance of the permit can be determined by the risk management parameters set by the issuer in the payment application or in the payment device. If the intended transaction is permitted, the buyer may provide the seller with other information to complete the transaction. The issuer or processing center may also transfer data to the buyer. This data may include updating records of transactions for which the payment device was used, or the current account balance associated with the device. In the case of an operation in which a contactless component is used, the reader or terminal of the point of sale usually communicates with the contactless element for a short time, for example, the time required to recognize the component by the reader and to provide the data necessary to initiate or perform part of the operation.

At the same time, the issuer or another person who wants to transfer data related to the transaction to the buyer’s payment device may not be able to efficiently exchange information with the buyer using a reader or point of sale terminal. This can cause problems for the buyer who wants to use the payment device for the next transaction, since the balance of the prepaid card or the balance of the credit or debit card account may be incorrect and will affect the ability of the buyer to obtain permission to perform the next transaction. It can also make the buyer who wants to access the information of his account mistakenly believe that the account has more (or less) funds than it actually has at its disposal. At the same time, the initial costs for the purchase and configuration of POS-terminals, as well as their subsequent maintenance are borne by the acquirer, covering these costs from the tariffs for servicing retail outlets.

All this indicates that there is a need for a method and system for ensuring the initialization of bank transactions that ensure safe and convenient payment and refund procedures without using a specialized terminal device at the point of sale and without the above-described disadvantages of known technical solutions.

Embodiments of the invention provide a solution to these problems, as well as other problems, all or some of them.

A known method for performing payment transactions according to the patent RU 2552186 (mobile device, method and apparatus for performing payment transactions), including performing a payment operation, exchanging information as part of a payment transaction using a wireless means, receiving data using a cellular telephone network.

The disadvantage of this method is the low system for protecting information from unauthorized access.

Also known is the method according to patent RU 2273049 (electronic payment turnover using the short message service (SMS), which includes sending a payment request from a mobile terminal to a payment center, transferring the desired payment parameters from a mobile terminal to a payment center, assigning an individual code to each payment procedure transaction or authorization code and transmitting the assigned transaction code or authorization code to the mobile terminal and / or payment destination.

The disadvantage of this method is the need to use a payment terminal to implement the method.

Also known is a payment authorization method according to patent RU 2520392 (electronic payment system and method of payment authorization), adopted as a prototype and including payment authorization, in which the user selects the item to be purchased, and then using his mobile communication device, the hardware board of which is made with virtual payment a terminal and with a secure element with a protected area of a virtual payment terminal, selects a payment card for payment and transmits via the Internet an Internet request for payment, as well as Information about the selected card and payment for processing to a remote payment processing server to identify the online store and user accounts.

The disadvantage of this method is the placement of a virtual payment terminal on the buyer's phone. This leads to the need to equip the buyer’s phone with a number of devices necessary for reading data from the buyer's card, installing a POS terminal in the buyer’s phone, and, as a result, a sharp increase in prices for such mobile phones.

The technical task is to conduct a bank transfer from the client (buyer) card to the bank account (card) of the contractor (seller) without using a bank POS terminal to receive bank cards.

This invention solves the problem of cashless payments without using a specialized terminal for receiving bank cards.

The problem is solved as follows.

On the Seller’s smartphone with the function of sending and receiving SMS messages, a program is created that creates a virtual POS terminal with the possibility of using the EMV Contactless technology (wireless technology used in the case of an NFC chip in the Seller’s smartphone) and E-Commerce technology, with the ability to manually enter data from the Buyer's bank card and / or enter data from the Buyer's bank card by recognizing them through a video camera installed in the Seller’s smartphone and allowing to conduct a bank transaction from the Buyer's card and account (map) Vendor through protected Internet channels.

Reading bank card data to initiate a bank transfer can be done either using NFC wireless technology or by scanning data on the front side of a bank card using a smartphone camera, or data can be entered manually using the program interface.

The use of such a program is possible with a one-time registration at the seller's acquiring bank.

The initiation of a banking transaction is as follows.

The data on the bank transaction is entered, then the data on the bank card is entered into the program - in case of using NFC wireless technology, by presenting the Buyer's bank card with a chip to the Seller’s smartphone equipped with an NFC chip for reading data from the Buyer's bank card ”, And / or using the“ E-Commerce ”technology, while the data on the card is entered by scanning the data located on the front side of the Buyer's bank card, the video camera of the Seller’s smartphone, and / or through the ru Nogo data entry of credit card "Buyer" smartphone "Seller" with the program interface.

After that, the transaction is confirmed either through an SMS password sent to the Buyer's smartphone from the issuing bank of the Buyer, or by entering a PIN code through the program interface depending on the payment technology used (EMV Contactless or E-Commerce ") For each transaction.

Then, a bank transaction is carried out and SMS messages are sent by the Seller’s acquiring bank to the Seller’s smartphone about the transaction, SMS is sent by the Buyer’s issuing bank to the Buyer’s smartphone about the transaction. In FIG. 1 is a flowchart of a transaction initialization process by the claimed method.

Using the proposed method allows you to perform the entire list of operations available on the POS terminal:

прием платежа с банковской карты и печать чека (в случае подключения печатающего устройства) (Фиг. 1);

accepting payment from a credit card and printing a check (if a printing device is connected) (Fig. 1);

отмена платежа (Фиг. 4);

cancellation of payment (Fig. 4);

возврат платежа (по номеру чека или транзакции) (Фиг. 3);

refund of payment (by check or transaction number) (Fig. 3);

просмотр и печать списка операций (в случае подключения печатающего устройства).

viewing and printing the list of operations (if a printing device is connected).

A variant of the system that implements the inventive method relates to systems for conducting non-cash banking operations using mobile devices such as smartphones.

The system of initializing bank transactions without using POS-terminals includes the Buyer’s smartphone with the function of receiving and transmitting SMS messages connected via mobile communication channels to the Buying Bank issuing bank, the Buyer’s bank card, the Seller’s smartphone with the receiving- SMS messaging connected via secure wireless Internet and mobile communication channels to the issuing bank of the “Seller” and acquirer banks of the banking system.

A special program with the emulation function of the POS terminal is installed on the smartphone of the "Seller". Also, in the Seller’s smartphone, through the installed program, the functions of the EMV Contactless contactless technology (if an NFC chip is installed) are implemented, the functions of the E-Commerce technology, the function of scanning the image and video camera, the interface for data input. At the same time, e-issuers and Equaira banks are interconnected via secure Internet channels.

In FIG. 2 shows a block diagram of a system that implements the claimed method, where:

1 - settlement account of the "Seller";

2 - a bank serving the settlement account of the "Seller";

3 - smartphone "Seller";

4 - program;

5 - acquirer bank of the "Seller";

6 - payment systems VISA, MasterCard, American Express, etc .;

7 - bank card of the "Buyer";

8 - smartphone "Buyer";

9 - the issuing bank of the “Buyer”;

10 - settlement account of the "Buyer".

The system operates as follows.

1. Acceptance of payment

To accept payments from a credit card:

запустить программу;

run the program;

указать сумму оплаты за товар или услугу;

indicate the amount of payment for a product or service;

считать данные банковской карты при помощи:

read bank card details using:

беспроводной технологии NFC, для чего поднести карту к знаку, обозначающему место установки чипа NFC на смартфоне;

NFC wireless technology, for which bring the card to a sign indicating the installation location of the NFC chip on the smartphone;

если карта или смартфон не поддерживают технологию NFC, сканировать реквизиты на лицевой стороне банковской карты при помощи камеры смартфона, для чего поместить карту лицевой стороной перед объективом камеры смартфона;

if the card or smartphone does not support NFC technology, scan the details on the front side of the bank card with the smartphone’s camera, for which place the card with the front side in front of the smartphone’s camera lens;

если смартфон не оборудован камерой, либо по каким-то другим причинам не удается сканировать реквизиты при помощи камеры, то можно ввести запрашиваемые реквизиты карты вручную, используя интерфейс программы;

if the smartphone is not equipped with a camera, or for some other reason it is not possible to scan the details with the camera, you can enter the requested details of the card manually using the program interface;

при необходимости попросить клиента ввести ПИН код карты через интерфейс программы (только при считывании данных с помощью NFC); в случае правильного ввода ПИН кода провести операцию;

if necessary, ask the client to enter the PIN code of the card through the program interface (only when reading data using NFC); if the PIN code is entered correctly, carry out the operation;

при необходимости попросить клиента ввести полученный им SMS-пароль через интерфейс программы; в случае правильного ввода SMS-пароля провести операцию.

if necessary, ask the client to enter the SMS password received by him through the program interface; if the SMS password is entered correctly, carry out the operation.

2. Operation

программа проверяет наличие связи с банком-эквайером «Продавца»;

the program checks the availability of communication with the acquirer bank of the "Seller";

в случае наличия связи отправляет по защищенному каналу в банк-эквайер «Продавца» информацию по операции (данные карты, данные продавца, сумму операции);

if there is a connection, sends information on the transaction (card data, seller’s data, transaction amount) to the Seller’s acquirer bank via a secure channel;

банк-эквайер «Продавца» осуществляет проверку всех данных по транзакции;

the merchant bank of the “Seller” verifies all transaction data;

в случае, если банк подтверждает платеж, сделка считается проведенной, если отказывает - сделка не проведена.

in case the bank confirms the payment, the transaction is deemed completed; if it refuses, the transaction has not been completed.

при необходимости попросить «Покупателя» расписаться на чеке;

if necessary, ask the "Buyer" to sign on the check;

в случае несовпадения подписи на чеке и на карте - отменить операцию;

in case of signature mismatch on the check and on the card - cancel the operation;

информировать «Покупателя» об успешном или неудачном проведении операции;

inform the "Buyer" about the success or failure of the operation;

при необходимости распечатать чек (требуется наличие печатающего устройства).

if necessary, print a receipt (requires a printing device).

3. Cancel payment

Cancellation of the last payment occurs in case of refusal of the "Buyer", an erroneous input or in case of a mismatch of the signature of the "Buyer" and is made by selecting the appropriate menu item in the program.

4. Refund

The payment is returned by check number or bank transaction number, for this it is necessary:

выбрать пункт программы возврат платежа;

select a program item refund;

указать номер чека или номер банковской транзакции;

indicate the check number or bank transaction number;

при необходимости считать данные карты при помощи:

if necessary, read card data using:

беспроводной технологии NFC, для чего поднести карту к знаку, обозначающему место установки чипа NFC на смартфоне;

NFC wireless technology, for which bring the card to a sign indicating the installation location of the NFC chip on the smartphone;

если карта или смартфон не поддерживают технологию NFC, сканировать реквизиты на лицевой стороне банковской карты при помощи камеры смартфона, для чего поместить карту лицевой стороной перед объективом камеры смартфона;

if the card or smartphone does not support NFC technology, scan the details on the front side of the bank card with the smartphone’s camera, for which place the card with the front side in front of the smartphone’s camera lens;

если смартфон не оборудован камерой, либо по каким-то другим причинам не удается сканировать реквизиты при помощи камеры, то можно ввести запрашиваемые реквизиты карты вручную, используя интерфейс программы;.

if the smartphone is not equipped with a camera, or for some other reason it is not possible to scan the details with the camera, then you can enter the requested details of the card manually using the program interface ;.

программа проводит операцию отмены, для этого:

the program performs a cancellation operation, for this:

программа проверяет наличие связи с банком-эквайером «Продавца»;

the program checks the availability of communication with the acquirer bank of the "Seller";

в случае наличия связи отправляет по защищенному каналу в банк-эквайер информацию по операции (данные карты, данные продавца, сумму операции);

if there is a connection, sends information on the transaction (card data, seller data, transaction amount) via a secure channel to the acquirer bank;

банк-эквайер осуществляет проверку всех данных по транзакции;

the acquiring bank verifies all transaction data;

в случае, если банк подтверждает отмену платежа, возврат считается проведенным, если отказывает - возврат не проведен;

in the event that the bank confirms the cancellation of the payment, the refund is considered to be carried out, if it refuses, the refund is not made;

информировать клиента об успешном или неудачном проведении операции возврата;

inform the client about the success or failure of the return operation;

при необходимости распечатать чек (требуется наличие печатающего устройства).

if necessary, print a receipt (requires a printing device).

Thus, the claimed method and system for its implementation solve the claimed technical problem. The invention is industrially applicable.

The program was created by the applicant and passed the acceptance tests.

Testing of the program installed on the smartphone showed the possibility of implementing the functions necessary and sufficient for the implementation of the invention. The volume of the program is acceptable for placement in the smartphone’s memory, and the program itself does not conflict with other programs installed in the smartphone.

Claims (3)

1. A method of initializing bank transactions without using a POS terminal, including the use of a Seller’s smartphone connected via wireless Internet and mobile channels to a banking system, installing a program emulating a POS terminal in a Seller’s smartphone, one-time registration of an emulated POS-terminal in the issuing bank of the "Seller", using the EMV Contactless technology in the smartphone of the "Seller", while initiating a banking transaction using wireless t NFC technologies by bringing the Buyer's bank card with a chip to the Seller’s smartphone equipped with an NFC chip to read data from the Buyer's bank card, and / or using the E-Commerce technology, while initiating a bank transaction by scanning data located on the front side of the Buyer's bank card, using the camera of the Seller’s smartphone and / or by manually entering data on the Buyer's bank card into the Seller’s smartphone using the program interface emulating a POS terminal in the Seller’s smartphone, entering data on a bank transaction, confirming the transaction via an SMS password sent to the Buyer’s smartphone from the Buyer's issuing bank, conducting a banking transaction, sending SMS messages from the Seller’s issuing bank to the Seller’s smartphone »About the transaction, SMS transmission by the issuing bank of the Buyer to the Buyer's smartphone about the transaction. 2. The system of initializing bank transactions without using POS-terminals according to claim 1, including the Buyer's smartphone with the function of receiving and transmitting SMS messages, connected via mobile communication channels to the issuing bank of the Buyer and acquiring banks of the banking system, banking Buyer card, Seller’s smartphone  with the function of receiving and transmitting SMS messages, connected via wireless Internet and mobile communication channels to the issuing bank of the "Seller" and the acquiring banks of the banking system, with the function of emulating the POS terminal, with the implementation of the contactless technology "EMV Contactless" and / or with the function of implementing the E-Commerce technology, containing a built-in NFC chip, a camera with image scanning function, an interface for entering data, while issuing banks and acquiring banks are interconnected via Internet channels.

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