SG10201707972TA - Payment terminal device and method - Google Patents

Payment terminal device and method

Info

Publication number
SG10201707972TA
SG10201707972TA SG10201707972TA SG10201707972TA SG10201707972TA SG 10201707972T A SG10201707972T A SG 10201707972TA SG 10201707972T A SG10201707972T A SG 10201707972TA SG 10201707972T A SG10201707972T A SG 10201707972TA SG 10201707972T A SG10201707972T A SG 10201707972TA
Authority
SG
Singapore
Prior art keywords
currency
terminal
transaction
cryptogram
payment
Prior art date
Application number
SG10201707972TA
Inventor
Hiang Tan Puay
Michael Ling James
Original Assignee
Global Blue Sa
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
Publication date
Application filed by Global Blue Sa filed Critical Global Blue Sa
Priority to SG10201707972TA priority Critical patent/SG10201707972TA/en
Priority to PCT/EP2018/075675 priority patent/WO2019063444A1/en
Priority to CA3111634A priority patent/CA3111634C/en
Priority to US16/648,471 priority patent/US20200219086A1/en
Priority to EP18779602.4A priority patent/EP3688709A1/en
Priority to AU2018340290A priority patent/AU2018340290A1/en
Priority to GB2003039.1A priority patent/GB2579746B/en
Priority to DE112018005524.8T priority patent/DE112018005524T5/en
Priority to JP2020512832A priority patent/JP7222594B2/en
Priority to ARP180102762A priority patent/AR113139A1/en
Publication of SG10201707972TA publication Critical patent/SG10201707972TA/en
Priority to JP2023013883A priority patent/JP2023078116A/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

Abstract

PAYMENT TERMINAL DEVICE AND METHOD A payment terminal device for offering currency conversion from a terminal currency to a foreign currency for a contactless payment, the terminal being associated with a terminal currency. The 5 payment terminal device comprising: a contactless payment carrier reader configured to communicate with a contactless payment carrier; a communication module configured to communicate messages with a remote location; and a controller. The controller is configured to: receive, from the contactless payment carrier reader, payment data from a contactless payment carrier for completing a transaction, the payment data comprising a cryptogram and the transaction being associated with a transaction 10 amount in the terminal currency; store the received payment data including the cryptogram; determine whether the transaction will be completed in a foreign currency or in the terminal currency, the foreign currency being a currency that differs from the terminal currency; if it is determined that the transaction will be completed in the foreign currency, generate an authorisation request message of a first type, wherein an authorisation request message of the first type includes a foreign currency indicator 15 identifying the foreign currency; a converted transaction amount, the converted transaction amount corresponding to the transaction amount converted to the foreign currency, a terminal currency indicator identifying the terminal currency, the transaction amount and the cryptogram; if it is determined that the transaction will be completed in the terminal currency, generate an authorisation request message of a second type, wherein an authorisation request message of the second type 20 includes the terminal currency indicator, the transaction amount and the cryptogram; and transmit, via the communication module, the generated authorisation request message to the remote location for completing the transaction. In either case, the cryptogram is same cryptogram generated by the contactless payment carrier using the terminal currency and transaction amount in terminal currency. 25 Figure 2
SG10201707972TA 2017-09-27 2017-09-27 Payment terminal device and method SG10201707972TA (en)

Priority Applications (11)

Application Number Priority Date Filing Date Title
SG10201707972TA SG10201707972TA (en) 2017-09-27 2017-09-27 Payment terminal device and method
AU2018340290A AU2018340290A1 (en) 2017-09-27 2018-09-21 Payment terminal device and method
CA3111634A CA3111634C (en) 2017-09-27 2018-09-21 Payment terminal device and method
US16/648,471 US20200219086A1 (en) 2017-09-27 2018-09-21 Payment terminal device and method
EP18779602.4A EP3688709A1 (en) 2017-09-27 2018-09-21 Payment terminal device and method
PCT/EP2018/075675 WO2019063444A1 (en) 2017-09-27 2018-09-21 Payment terminal device and method
GB2003039.1A GB2579746B (en) 2017-09-27 2018-09-21 Payment terminal device and method
DE112018005524.8T DE112018005524T5 (en) 2017-09-27 2018-09-21 PAYMENT TERMINAL DEVICE AND METHOD
JP2020512832A JP7222594B2 (en) 2017-09-27 2018-09-21 Payment terminal device and method
ARP180102762A AR113139A1 (en) 2017-09-27 2018-09-26 PAYMENT TERMINAL DEVICES AND METHODS
JP2023013883A JP2023078116A (en) 2017-09-27 2023-02-01 Payment terminal device and method

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201707972TA SG10201707972TA (en) 2017-09-27 2017-09-27 Payment terminal device and method

Publications (1)

Publication Number Publication Date
SG10201707972TA true SG10201707972TA (en) 2019-04-29

Family

ID=63713843

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201707972TA SG10201707972TA (en) 2017-09-27 2017-09-27 Payment terminal device and method

Country Status (10)

Country Link
US (1) US20200219086A1 (en)
EP (1) EP3688709A1 (en)
JP (2) JP7222594B2 (en)
AR (1) AR113139A1 (en)
AU (1) AU2018340290A1 (en)
CA (1) CA3111634C (en)
DE (1) DE112018005524T5 (en)
GB (1) GB2579746B (en)
SG (1) SG10201707972TA (en)
WO (1) WO2019063444A1 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113852627B (en) * 2021-09-23 2023-09-26 中国银行股份有限公司 Extensible payment message processing method and device and electronic equipment

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2003295415B2 (en) * 2002-11-07 2010-12-09 Planet Payment, Inc. Time-of-transaction foreign currency conversion
AU2009223984B8 (en) * 2008-03-10 2015-06-11 Global Blue Sa Dynamic currency conversion system and method
US20100036741A1 (en) * 2008-08-04 2010-02-11 Marc Cleven Application currency code for dynamic currency conversion transactions with contactless consumer transaction payment device
US9547861B2 (en) * 2011-05-11 2017-01-17 Mark Itwaru System and method for wireless communication with an IC chip for submission of pin data
WO2016072934A1 (en) * 2014-11-06 2016-05-12 Mastercard Asia/Pacific Pte.Ltd Method, server and system for dynamic currency conversion
SG10201501048XA (en) * 2015-02-11 2016-09-29 Global Blue Sa System and method for conducting a transaction

Also Published As

Publication number Publication date
WO2019063444A1 (en) 2019-04-04
JP2023078116A (en) 2023-06-06
EP3688709A1 (en) 2020-08-05
JP7222594B2 (en) 2023-02-15
GB202003039D0 (en) 2020-04-15
GB2579746B (en) 2023-04-05
CA3111634A1 (en) 2019-04-04
US20200219086A1 (en) 2020-07-09
JP2020535500A (en) 2020-12-03
DE112018005524T5 (en) 2020-08-06
AR113139A1 (en) 2020-01-29
AU2018340290A1 (en) 2020-05-14
CA3111634C (en) 2023-12-19
GB2579746A (en) 2020-07-01

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